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.

Who is Constrafor’s Early Pay Program for?

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 EPP 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.

How Early Pay Program Works

Start an Early Pay Program Request
Start a new early pay request below. It’s easy and free to get started and you can cancel at any time.
e-Sign the EPP 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 Early – Within 48 Hours
Once the contract is signed, we’ll send the funds to your bank account within 48 hours via direct deposit.

Get Your EPP Estimate

Check how much money you can get in advance with our Early Pay Program

1. Enter the value of the invoice you would like to finance.
2. Indicate your GC payment terms.
3. Get your EPP advance quote.
EARLY PAY PROGRAM CALCULATOR
Estimate Your Early Pay Program Fees Now
$

For a $50,000 invoice with 60 day payment terms, you’ll receive:

$43,071 Within 48 Hours
(Includes fee of $ 1,929)
Get paid $5,000 in 60 Days

+Advanced rate of 90% based on standard Constrafor terms.
*The fee amount is based on a 0.5% rate.
*These calculations are estimates and rates vary based on application.

Learn More About Our Early Pay Program

Taking the Uncertainty Out of Accounts Receivables
Read More
4 Invoice Financing Red Flags You Need to Know
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.