FEMA and government contractor A/R funding. Fund the work while the agency processes the invoice.
Government contractor A/R funding turns the invoices you bill to federal agencies, states, counties and cities, including FEMA-funded recovery work, into working capital, so payroll and operating costs are covered while your invoice moves through the agency’s payment process.
To qualify for same day funding, complete paperwork must be submitted by the 1:00 p.m. CT cutoff time M-F. All funding is subject to initial application approval.
The work is accepted. The payment runs on the agency’s process.
Government contractor A/R funding, also called invoice factoring, is the sale of an approved invoice owed by a public agency in exchange for an immediate cash advance. You receive a large portion of the invoice up front, and the remainder (less one fee) when the agency pays. A/R funding isn’t a loan.
Public agencies are usually strong credits, but their payments follow approvals, documentation and, after a disaster, reimbursement from FEMA to the state or local government. Federal contract payments can be assigned to a financing institution under the Assignment of Claims rules, and state and local contracts are reviewed one by one. A/R funding turns those receivables into working capital.
Strong credit. Slow paperwork.
After a disaster, local governments generally pay their contractors first and are reimbursed by FEMA once costs are documented, with a federal share of at least 75% of eligible costs according to North Carolina Emergency Management guidance. When reimbursement slows, so can the checks to vendors.
Meanwhile payroll, subcontractors, equipment and supplies come due on your schedule. Integra advances on the invoices you have already earned, so a strong public customer does not have to mean a long wait for cash.
See how the process works →Government contractors we fund.
If you do the work, from tree and debris crews to logistics and base camps, and bill a public agency, or a prime contractor on a public project, on their terms, Integra can fund it. We review each contract’s assignment and payment terms at setup.
Federal agency contracts
Contracts with federal agencies, including FEMA, where payments can be assigned under the Assignment of Claims rules.
- FAR 32.8 assignments
- Notice of assignment
- Task & delivery orders
- Federal recovery work
State agency contracts
Contracts with state emergency management, transportation and other agencies.
- State emergency management
- DOT & road work
- Commodity distribution
- State-funded recovery
Counties & cities
Debris, staffing, facilities and services contracts with counties, cities and towns.
- County contracts
- City & town contracts
- Pre-positioned contracts
- FEMA-reimbursed work
Special districts & authorities
Contracts with school districts, utility authorities, ports and other public bodies.
- School districts
- Water & utility authorities
- Ports & airports
- Housing authorities
Primes on public projects
Subcontractors billing a prime contractor that holds the government contract.
- Prime-contractor invoices
- Pay-when-paid terms
- Flow-down clauses
- Joint check arrangements
FEMA-funded recovery work
Contractors whose public customer will seek FEMA Public Assistance reimbursement.
- Debris removal
- Emergency protective measures
- Temporary facilities
- Logistics & supply
We do not fund invoices paid by insurance carriers or homeowners.
From invoice to funded, same day.
A/R funding is not a loan. You are advancing cash on invoices you have already earned — not borrowing against them.
Apply and get approved
Submit the short form. Approval depends primarily on your customers’ credit: the prime, agency, county or utility you bill. Free credit checks confirm your customers before you commit.
Onboarding and setup
You provide standard documents and sign the agreement. For federal contracts, written notice of the assignment and a true copy of the assignment instrument go to the contracting officer, any surety and the disbursing office, as FAR 32.802 requires. State and local notices follow each contract’s terms.
Submit invoices, get paid
Upload approved invoices through the portal. We verify and advance the funds the same business day when submitted before the cutoff. The agency pays Integra on its own terms; you receive the remainder less one fee.
A bank division that understands public-sector payment.
Federal assignment, handled correctly
Federal rules allow contract payments to be assigned to a bank, trust company or other financing institution when the contract totals $1,000 or more and does not prohibit assignment. We prepare the notice package with you so the agency pays without confusion.
Integra is a division of a federally chartered bank.
Backed by bank capital, not an outside line
Your facility is backed by bank capital, not an outside credit line that tightens when a contract winds down.
Federal regulatory oversight and bank-examination standards are not typical of an independent A/R funding company.
Set up before the season, funded when you invoice
The best time to open a facility is before the next disaster declaration. Setup is a one-time step, so when a task order arrives you are invoicing into an account that is already in place.
No volume minimums, and you choose which invoices to fund.
Real people. A specialist who knows utility work.
Utility vegetation management accounts are handled by Mark Dubs, Executive Vice President, who has spent more than 20 years funding contractors and the brokers who refer them. No call center, no bots, no phone queue. Behind him sits a dedicated credit and back-office team that runs underwriting, notices of assignment and collections on every funded account.
Mark Dubs
Backed by a dedicated credit, underwriting, and back-office team on every funded account. Main line: (866) 552-8536 · M-F, 9 AM to 5 PM CT.
Answers to your government contractor A/R funding questions.
The questions we hear most from government contractors. If yours is not here, call Mark directly.
Can I fund invoices on a federal government contract?
Yes, when the contract allows it. Under FAR 32.802, payments can be assigned to a bank, trust company or other financing institution if the contract provides for payments of $1,000 or more and does not prohibit assignment. Assignment is generally to one party.
What notice does a federal assignment require?
Written notice plus a true copy of the assignment instrument, sent to the contracting officer or agency head, any surety on a bond, and the disbursing officer designated to make payment. We prepare this package with you at setup.
Can you fund invoices to a state, county or city?
Yes, in most cases. Approval depends primarily on your customer’s credit, and public agencies are often strong credits. We review each contract’s assignment and payment terms at setup and run a free credit check before you commit.
What if my county customer is waiting on FEMA reimbursement?
That is a common reason to use A/R funding. Local governments generally pay contractors first and are reimbursed by FEMA after costs are documented. A/R funding lets you receive cash on your approved invoice instead of waiting on that cycle.
I am a subcontractor to the prime. Can I still use A/R funding?
Often, yes. We look at the prime’s credit and the payment terms in your subcontract, including any pay-when-paid language, before setting up the facility.
How much does government contractor A/R funding cost?
Pricing is a custom quote. It depends mainly on who your customers are, how long they take to pay and your invoice volume. Reach out with a few details and have your A/R aging and customer list handy; that is everything a custom quote needs. No obligation.
Ready before the next declaration?
Tell us who you invoice and roughly how much. Custom quote. No obligation.
Get a custom quote
A few details about the business and who you invoice is enough to start.
Start hereTalk to Mark
A utility and government-contract funding specialist who works these accounts every day, on the line. No phone tree, no script, no call center.
(817) 945-5323 Speak with a real person