Accounts Receivable Financing for Government Contractors

Our accounts receivable financing for government contractors unlocks the liquidity held inside your accounts receivable, providing access to the essential working capital you require. With competitive pricing¹ and access to Pre-Award Financial Commitment Letters, you can submit your proposal with a competitive edge and stay mission-ready for any upcoming contract expansion. United Capital Funding is the direct source of funding (a factor) and therefore, we are not a broker or third-party intermediary.

Accounts receivable financing for government contractors through United Capital Funding can help you accelerate your growth by taking advantage of your contract opportunities.

United Capital Funding is a wholly owned subsidiary of Gulf Coast Bank & Trust, an FDIC-insured bank, and is honored to provide working capital support for government contractors across the Continental U.S. (CONUS), including Alaska and Hawaii. 

Connect with United Capital

To date, we’ve successfully financed over 1,000 emerging businesses across the Continental U.S. (CONUS), including Alaska and Hawaii, and are committed to delivering the best customer service.

Schedule a call today to see how United Capital can help you with financing government contracts.

Our Clients Work With Top Federal Agencies

U.S. Department of Veterans Affairs
U.S. Department of Defense
U.S. Department of Homeland Security
U.S. Postal Service
U.S. Department of State

Our Solution:

Accounts Receivable Financing

As a government contractor, you know how critical it is to be prepared to execute on newly awarded government contracts; invoice factoring government contracts ensures your capability to expand on an existing contract and lastly, respond to various RFPs.

Our firm is a wholly owned subsidiary of Gulf Coast Bank & Trust, an FDIC-insured bank (view our updated corporate financials here). Through our holding company, we offer multiple products through our fellow subsidiaries to support your financial needs:

Asset-Based Lending

Through a fellow bank subsidiary, we provide credit facilities secured by inventory, equipment and real estate.

Equipment Leasing & Financing

Through a fellow bank subsidiary, we support leasing and financing capital equipment assets for government contractors located nationwide.

How Does Government Factoring Work?

Click through the steps below to learn how government accounts receivable financing benefits your small business²

Step 1 of 5
Once fully approved as a United Capital Funding customer, the first step of financing government contracts is to send multiple copies of the Instrument and Notices of Assignment in accordance with the Assignment of Claims Act of 1940. The contracting officer is required to acknowledge receipt of the Assignment of Claims and provide the appropriate copies to the agency’s disbursement office and to United Capital Funding demonstrating perfection of our assignment.
Step 2 of 5
You continue to invoice according to your agency customer's current procedure and therefore, upload your invoice into Wide Area Work Flow (WAWF), IPP, AFWORX, or other online portals accordingly.
Step 3 of 5
Once United Capital Funding verifies the invoice has been processed and approved for payment within the online portal, UCF then makes available up to an initial 85% to 90%² of the invoice amount to your account.
Step 4 of 5
The government agency then pays the invoice amount via EFT, or by check, to United Capital Funding’s secured account/lock box facility
Step 5 of 5
Upon receipt of payment, United Capital Funding then releases the 10-15%² reserve balance, less any accrued fees.
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Benefits of Our Solution

Mobilize on Professional Service Contracts

We can provide advances against Earned but unbilled Accounts Receivable to support new rebadging contracts or contracts that require substantial new onboarding of FTE’s and increased payroll costs.

Startups Welcome

When it comes to financing for government contractors, there’s no need to worry about presenting a limited financial history. As a new small business, we work with you as soon as you’re awarded your first contract.

Keep Your Banking Relationship

Don’t worry about switching banks if you factor with United Capital Funding. Maintain your existing banking relationship throughout your partnership with us.

Better Prepared for JV Opportunities

We support joint ventures (JVs) when a client is awarded a new contract.

Simple Contract Review

Contract diversification is not an issue for financing government contracts when you work with United Capital Funding. Clients can have 100% concentration in one contract. 

Experts on Your Side

Since 1997, our management team has advised numerous clients in the defense contracting and commercial services sector and therefore, we recognize the requirement for you to be mission ready when your customer needs your company’s product or service. With a GovCon team composed of seasoned industry veterans with decades of experience financing government contractors; we’re excited to unveil our GovCon group to better service government contractors.

Nicholas J. Pittas

Leading the firm’s government finance efforts, Pittas brings over 30 years of experience in commercial finance and banking; of which, over 15 years have been dedicated to serving the needs of small and middle market government contractors.

woman with black shirt

Renée Tyack

From a military family, Tyack handles cash flow solutions from the heart of Columbus, Ohio near Wright-Patterson Air Force Base.

Tyack actively supports Motts Military Museum and specializes in financing for government contracts.

woman wearing black and white blouse

Neisha Pereira

Active in California’s Aerospace industry, Pereira, is responsible for structuring commercial credit facilities for government contractors that are  experiencing rapid growth and early-stage life cycles.

man wearing blue suit

Ivan Baker

Baker founded United Capital Funding alongside Jerry Curley in 1997. 

He continues to operate the firm as CEO, focusing on a service-oriented strategy from its headquarters in St. Petersburg, FL.

factoring for government contractors

Department of Defense Contractor Boosts Contract Growth Potential with Short Term Capital

This Alabama–based engineering firm specializes in aerospace manufacturing, mechanical structures, and electrical components, which support aerospace and ground defense used by the Department of Defense. Despite its longstanding history, the firm projected significant growth in 2024, and as such, planned to pursue larger contracts with the Department of Defense. In order to prepare for contract expansion and significant growth, while also ensuring sufficient cash flow for increased manufacturing cost and volume, the company recognized the need to optimize its positioning.


Streamline Contract Expansion by Factoring Government Contracts

Exciting times lie ahead for your company when it’s awarded a government contract. However, the challenge of carrying costs prior to receiving your first invoice payment can dampen the enthusiasm. Fortunately, there’s a financial solution to this challenge. Factoring your receivables through United Capital Funding opens doors to increased growth opportunities that surpass the limitations of waiting. But how does it all work? Where do you begin? At United Capital Funding, we specialize in financing government contractors, enabling your small business to thrive. Embrace the power of accounts receivable factoring and propel your success to new heights. 


Leave factoring government contracts to the professionals!

Proven Results From Real Clients

Client references are also available upon request. If you’d like to view references, please request a copy from your representative.

Gregory Marholin
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Our companies are experiencing explosive growth. We have been self-funding and our growth constrained by cash flow issues. We have been approached by tens and tens of companies in the factoring and lending space. They have promised the world, had us jump through hoops, only to find out they did not even know their own underwriting guidelines and/or came back with what felt like "loan shark" rates and fees. This was NOT the case with United Capital Funding! The level of professionalism, expertise, and partnership were World-Class. They listened, learned about our business and brought solutions even when it involved an outside partner. The team work on their side is what created such an amazing result. We highly recommend United Capital Funding.
Caleb Schoonover
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We are only a few months into our relationship with United Capital and I can say the customer service offered by UCF has been top notch. We work with Raymond on a weekly basis with a large volume of invoices and he has been fantastic in communicating and keeping us on track with funding. This relationship has been great for our business and we are looking forward to long relationship with UCF. Thanks Raymond and Donata!
Government Contractor, Virginia
Government Contractor, Virginia
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Nothing but great things to say about your customer service and help guiding my company throughout the process. Gives us confidence to go after more work opportunities and grow our business.
Service Company, Tennessee
Service Company, Tennessee
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You guys do an outstanding job in terms of service and support for your clients. By merely requesting the opinion of your clients continues to speak volumes of you level of satisfaction. Thanks you for all the support you and your team have given to our organization.
Service Company, Minnesota
Service Company, Minnesota
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I am always amazed at the response and great customer service that UCF has provided over the years. I was recently very impressed that while Ivan Baker was in London on business for UCF, he responded to a need and question. That’s great service! Keep up the good work guys!

Frequently Asked Questions (FAQs)

United Capital Funding actively works with government contractors whose contract details are classified. We understand the sensitivity and therefore we actively put in place a structure that ensures contract compliance.

United Capital funding provides accounts receivable factoring to government contractors using its government receivables as collateral. A government contractor can also submit commercial accounts for consideration, but this is reviewed and evaluated seperately.

You are still eligible for our services. We are well-versed in working with government contracting companies operating under a sub to prime relationship (i.e. Lockheed Martin, Booz Allen Hamilton, and Raytheon). These are considered commercial accounts and are typically reviewed and considered under different guidelines.  We invite you to learn more about our financial solution by scheduling a call with our experts.

United Capital Funding keeps strict compliance and operations procedures as it is a wholly owned subsidiary of Gulf Coast Bank & Trust, an FDIC-insured bank. This means all of our procedures are reviewed regularly to ensure full compliance. Our firm is also a long term member of the International Factoring Association (IFA), having kept an active membership since 2003 and consistently adhering to its code of ethics. Since our founding in 1997, we’ve helped over 1,000 small businesses across the United States.

Please click here to schedule a call or call our office at (877) 894-8232.

Our single source of capital is through our parent company, Gulf Coast Bank & Trust Company, an FDIC-insured bank headquartered in New Orleans, Louisiana. Gulf Coast Bank & Trust is one of the largest community banks in Southeast Louisiana with over $3 billion in assets and ranked #14 by the American Bankers Association for community banks under $10 billion in assets.

We also provide updated financial information published by our company.

United Capital Funding is a funding source (factor). A factor is a funding source that uses its own capital to purchase accounts receivables from its clients. A broker does not provide funding. Instead, the broker works as a middleman, connecting businesses with lenders for a fee.

Please fill out the form below and a representative will be in touch with you. 

By providing your contact information you are authorizing United Capital Funding, or its affiliates including Gulf Coast Bank & Trust, Amerifactors, Gulf Coast Business Credit, KLC Financial, Phoenix Capital Group, Seven Oaks Capital Associates, and Spectrum Commercial Services to contact you. Authorization includes the use of text messaging and automated telephone dialing systems in connection with calls made to the number you provide. Please contact us at anytime to change your preferences. Additional data rates may apply. 

By submitting this form, you acknowledge you are over the age of 13 and approve submission of the above information.

¹Compared to data presented by the 2023 Private Capital Markets Report, Pepperdine University. Everett, Craig R.,”2023 Private Capital Markets Report” (2023). Pepperdine Graziadio Business School.

²Percentage amount paid based on business type, volume, financial quality of customers, diversification of customers, etc.

About United Capital Funding

To date, we’ve successfully financed over 1,000 emerging businesses across the Continental U.S. (CONUS) and are committed to delivering the best customer service; while providing flexible, tailored funding solutions to meet the needs of each business. We recognize that every client is unique, so we take the time to understand each individual business and develop a customized approach to ensure the best possible outcome to provide working capital.

At the end of the day, our goal is to make sure all clients have access to the short-term working capital necessary to successfully execute on new or expanding contracts. With our GovCon team, we will help you navigate this challenging terrain to become mission-ready and prepare for contract expansion.