EARLY PAY
PROGRAM

Early Pay Program shortens your payment cycle, improves your cash flow and reduces your costs – all without incurring debt or giving up equity.

Try the calculator to check how much money you can get in advance with our Early Pay Program →

Funding in as little as 48 hours

See How Much You Can Get Paid Early

(days)
75%
$43,071 Within 48 Hours
(Includes fee of $ 1,929)
$5,000 in 60 Days
Apply Now

+Advanced rate of 75% based on standard Constrafor terms.
Invoice rate starting at 1.07% and varies based on application criteria.

How Early Pay Program
Factoring Works for Subcontractors

Start an Early Pay Program
Request
Create an account to start an early pay request. It’s easy and free to get started and you can cancel at any time.
e-Sign the Early Pay Program
Contract
We will review your request and provide you details of all costs upfront in our EPP contract - no hidden fees, no long term interest, no monthly payments.
Get Paid Within
48 Hours
Once the contract is signed, we’ll send the funds to your bank account within 48 hours via direct deposit.
Get Started

Who can benefit from Early Pay Program?

Early Pay Program is made for subcontractors or specialty contractors who want to strengthen their company’s cash flow to:
→ Take on more projects
→ Finance mobilization costs for new projects
→ Purchase material and equipment
→ Pay bills & cover payroll
→ Pay down high-interest debt

How does Early Pay Program compare to other financing options?

EPP combines the best of credit lines and bank loans: easy to access, no lengthy approval process, only pay for what you use, and does not have any monthly payments.

The Only Construction-first
Financing Solution for Subcontractors

Free up cash without debt
Free up working capital to grow your business without adding debt or giving up equity.
Get paid quickly and easily
Apply in minutes, choose which invoices to finance, and get paid within 48 hours via direct deposit.
Control your cash position
You know what you pay up front – no hidden fees, no long-term interest, and no monthly payments.
Minimize your cost and risk
Minimize your rate and get paid reliably and securely – every time.
Talk To An Expert
Plans and pricing

Subscribe and Save

Switch to annual subscription to save 20% off
Blue $0 $0 /per month

0.5% weekly EPP fee.

Ideal for Early Pay customers with funding needs up to $100K.

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Gold $1,000 $9,600 /per month

0.4% weekly EPP fee.

Ideal for Early Pay customers with funding needs up to $250K.

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Platinum $3,000 $28,800 /per month

0.3% weekly EPP fee.

Ideal for Early Pay customers with funding needs up to $500K.

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Black $7,500 $72,000 /per month

0.25% weekly EPP fee.

Ideal for Early Pay customers with funding needs up to $2M.

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Learn More About Our Early Pay Program

The GC’s Expanding Role in these Challenging Times 
Read More
Factoring vs. Debt: How to Choose the Right Financing Option for Your Business
Read More

Frequently Asked Questions

No! EPP is flexible – you can enroll all or just one of your invoices.
Constrafor will work with your GC, so you never have to worry about chasing payments.
Only GC-approved invoices on active jobs are eligible for EPP.