Which structure fits the award in front of me?
Factoring, asset-based lending, and contract financing side by side on advance rate, cost, speed to funding, and what each asks of your Assignment of Claims process. Structures, not providers.
Financing Solution Matrix
Which structures fit your industry?
Pick your industry to see the financing structures that tend to fit best — ranked, with how the market actually funds itself.
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- ABL — Asset-Based Lending
- A revolving line secured by your assets (receivables, inventory, equipment). You draw as needed and pay interest only on what you use.
- Invoice Factoring vs. A/R Financing
- With factoring you sell your invoices and the lender collects from your customers. With A/R financing you borrow against the invoices and keep collecting yourself.
- Mobilization Funding
- Upfront capital advanced at contract award to fund start-up and mobilization costs — staffing, equipment, materials — before you can bill any work.
- Retainage Financing
- Advances the portion of each payment (typically 5-10%) the customer withholds until the contract is complete, so the cash is not tied up for months after the work is done.
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Sanctorum Capital executes Assignment of Claims as routine
Financing against a federal award under FAR Subpart 32.8, with the notice to the contracting officer and the disbursing officer handled as process rather than as a three-month education project. The credit question is the award, not the balance sheet.