Government Contract Financing
Cash Flow Solutions for Contractors
Working Capital for Government Projects
Government Contract Financing
Government Contract Financing provides businesses with the working capital they need to successfully complete government contracts. Since payments from federal, state, or local agencies can take time, this financing bridges cash flow gaps, allowing companies to pay employees, cover material costs, and manage operations while waiting for government disbursements. Funding is typically secured by accounts receivable from government contracts, making it a reliable option for businesses serving government entities.
Competitive Interest Rates
6% – 15%
Flexible Terms
6 months – 3 years
Varying Funding Amounts
$250,000 – $5,000,000
How Government Contract Financing works!
Loan Amount: $250,000 – $5,000,000
Terms: 6 months – 3 years
Rates: 6% – 15%
Collateral: Typically accounts receivables from contracts
Qualifications: To qualify, most lenders will require the following:
- Credit score: Minimum of 650
- Must have a government contract
- Stable business financials
- Owner creditworthiness
Faster Funding’s
Government Contract Financing: Working Capital Loans for Contractors
With Government Contract Financing, you can confidently take on government projects without worrying about cash flow delays. Secure the capital you need to deliver on time, grow your business, and win more contracts.
The Benefits of Government Contract Financing
Government contract financing provides businesses with the working capital needed to take on and complete lucrative federal, state, or local contracts. Instead of waiting for lengthy payment cycles, companies can access funds upfront to cover payroll, materials, and operating costs. This type of financing helps improve cash flow, support growth, and ensure timely project delivery—empowering businesses to confidently pursue larger government opportunities without financial strain.
- Access fast working capital to fulfill government contracts
- Bridge cash flow gaps while awaiting payment
- Use accounts receivable as collateral, minimizing risk
- Available for federal, state, and local government contracts
- Supports payroll, materials, and operational expenses
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To qualify for Government Contract Financing, applicants generally need to meet the following:
- Minimum 650 credit score
- Must have a secured government contract in place
- Collateral requirements vary by lender and loan size (typically AR from contracts)
- Lenders (e.g., Live Oak Bank) will assess:
- Financial condition of the business
- Creditworthiness of owners/guarantors
- Strength of the government contract
How It Works
- Apply with details of your secured government contract(s)
- Submit financials and collateral documentation (if required)
- Receive approval and draw working capital based on contract receivables
- Complete the project while maintaining steady cash flow
- Repay the loan as payments from the government contract are received
How We Work. Our Mission & Values
At Faster Funding, we’re committed to helping businesses of all sizes succeed. Our Government Contract Financing program is just one of the many ways we’re working to make that happen.
To learn more about our Government Contract Loans or to apply for other types of funding, please contact us. Our team of experts is standing by to help you find the perfect lending solution for your business.
Faster Funding is Here to Help
Frequently Asked Questions
We understand you are probably wondering how this all works. Here are some key topics to help you make informed decisions to unlock your business’s growth opportunities.
Do I need collateral for every loan?
Not always. Loans under $25,000 may not require collateral, but larger loans typically require receivables or other business assets.
Can I get financing for state and local government contracts, or just federal?
Yes. Financing is available for federal, state, and local contracts.
How quickly can I access funds?
Once approved, funds can typically be accessed within days, depending on the lender and contract details.
What expenses can this financing cover?
Payroll, materials, subcontractors, and other operating costs related to fulfilling the contract.
Get Started
Contact us to learn more about our government contract financing programs. Our team of experts is standing by to help you find the perfect financial solution for your business.
