Bridging net 60 and net 90+ government receivables
Cover payroll and operating costs while waiting on government payment cycles to clear.
The Contract Is Won. The Payment Is 90 Days Out. The Payroll Is Friday.
A working capital line of credit up to $1.5M built for the realities of government payment cycles. Bridge net 90+ receivables without slowing execution.
Capital for the government payment cycle.
Defense contracting is one of the most capital-intensive small business sectors in the country. You win a contract, mobilize, deliver, invoice, and then wait. Government payment cycles routinely run 60 to 90 days or longer. Meanwhile, payroll, security clearance maintenance, bonding requirements, and specialized equipment costs hit on schedule. Subcontractor relationships, GSA schedule compliance, and the constant need to invest in capability development make defense contracting a working capital intensive business.
Commercial Capital Connect provides defense contractors a working capital line of credit up to $1.5 million with interest-only options. Bridge the receivable. Cover payroll. Fund mobilization. Maintain bonding capacity. Same-day approvals and the flexibility to draw and repay on the rhythm of government invoicing, not on a daily debit schedule.
Contract mobilization and ramp costs
Fund the upfront staffing, equipment, and material costs required to mobilize on a new contract.
Engineering and cleared personnel payroll
Maintain payroll for engineers and cleared personnel through gaps between contract awards and invoice payments.
Bonding capacity and surety support
Support working capital requirements that strengthen your bonding capacity for larger bid opportunities.
GSA schedule compliance and bid preparation
Fund the documentation, certifications, and proposal preparation costs that win larger awards.
Basic line of credit review criteria
These are baseline review items, not an approval, offer, or commitment to lend.
- Estimated Equifax score of 575 or higher
- Operating at least 30 days
- About $17,000+ in average monthly revenue
- Active commercial business location
- 0 to 2 active cash advances preferred
Why Commercial Capital Connect
CCC is a business finance marketplace, not a direct lender. One application can help compare potential options through a network of 75+ lending partners.
Government receivables are an asset
Long-cycle receivables from creditworthy government counterparties strengthen, not weaken, the underwriting picture.
No daily debits
Government payment cycles do not align with daily MCA debits. The line repays on your invoicing rhythm.
Interest-only payment options
Keep monthly costs low during contract execution and pay down principal when invoices clear.
Refinance restrictive financing
Pay off up to two existing cash advances or short-term loans as part of structuring the line.
Defense Contractors funding FAQ
Do I need to be on a GSA schedule to qualify?
No. GSA schedule presence is helpful but not required. We underwrite based on revenue, time in business, and credit profile.
Can the line support bonding capacity?
Yes. Working capital from the line strengthens your balance sheet, which can support increased bonding capacity through your surety provider.
What if I am a subcontractor rather than a prime?
Subcontractors qualify on the same baseline criteria. Strong prime contractor receivables are a positive underwriting signal.
How does the line handle gaps between contracts?
Interest-only payment options minimize monthly costs during gap periods. Trailing average revenue drives approval.
Can I use the line for proposal preparation costs?
Yes. Proposal preparation, certifications, and bid and proposal labor are valid working capital uses.