Key Takeaways
- Bridge the gap between completing work and receiving client payment
- Construction, cleaning, transportation, and consulting businesses all qualify
- Invoice factoring and working capital lines both available
- No green card or SBA eligibility required
- 48-hour decisions — protect your business from the invoice gap
Cash flow is the silent killer of TPS businesses. A construction subcontractor completes $80,000 of framing work and submits an invoice to the general contractor. The GC pays on net-45. Meanwhile, the subcontractor's crew needs to be paid every Friday, the lumber supplier expects payment by month-end, and the truck insurance premium hits next week. The business is profitable on paper but cash-constrained in practice. This is the exact problem Bankable's cash flow bridge products solve.
This problem is not unique to construction — cleaning companies wait 30 days for commercial client checks, transportation companies wait 15-45 days for broker payment, consulting firms invoice monthly and collect inconsistently. Every B2B TPS business that extends credit to its clients faces this challenge.
Cash Flow Bridge Products
- Invoice factoring: Sell your outstanding invoices to Bankable for immediate cash — 80-95% of the invoice value, with the remainder paid when your client pays
- Working capital line of credit: A revolving credit line you draw on when needed and repay as client payments arrive
- Short-term business advance: A lump sum advance repaid over 3-12 months from daily deposits
For a deeper explanation of how these products work for TPS businesses, see our TPS working capital line guide.
Frequently Asked Questions
Yes. Bankable provides invoice factoring and working capital to TPS businesses experiencing invoice-to-payment gaps. No green card required.
Invoice factoring sells your outstanding client invoices to Bankable for immediate cash. You receive 80-95% of the invoice immediately. Bankable collects from your client and pays you the remainder minus a small fee.
Factoring is not a loan — it is the sale of a receivable. You receive cash now by selling the right to collect from your client later. There is no debt on your balance sheet.
Business-to-business invoices to creditworthy clients. Government invoices are ideal. Consumer invoices typically do not qualify for factoring.
Factoring fees typically range from 1-4% of invoice value per 30 days. A $50,000 invoice factored for 45 days might cost $750-$3,000.
Yes. Construction subcontractor invoices to general contractors are commonly factored. AIA pay applications can often be factored as well.
Within 24-48 hours of invoice verification. This is significantly faster than waiting for your client's payment cycle.
Yes. Invoice factoring is available to TPS businesses of all sizes. Minimum factoring amounts are typically $10,000 per invoice.