Government Contract Financing
Accounts-receivable financing that keeps payroll and materials moving while the government's payment cycle runs.
Working Capital for Government Contractors
We arrange accounts-receivable financing for government contractors, so a 30-day government payment cycle never stands between your team and the next payroll, materials order, or mobilization.
Financing built around:
Government contracts are some of the strongest receivables in the market. The challenge is timing: the work is performed and invoiced today, but payment arrives on the government's schedule. Contract financing closes that gap.
Structures for Every Tier of the Contract
Federal Prime Contracts
For contractors billing the government directly. The account debtor is a U.S. government agency on standard 30-day payment terms.
Federal Subcontracts
For subcontractors one tier down. The account debtor is an approved prime contractor to a U.S. government agency, on 30-day terms.
True Lease Structures
For contracts that call for equipment rather than invoices, true lease structures finance the asset behind the award.
How It Works
- 1
Get Qualified
- 2
Consultation
- 3
Documents
- 4
Review
- 5
Term Sheet
- 6
Underwriting
- 7
Conditions
- 8
Closing
The Denali Standard
Every transaction receives individual review and hands-on attention from the Denali team.
Common Questions
How does this solve payroll timing on a government contract?
Once your invoice is approved, you receive an advance against it instead of waiting the full payment cycle. Payroll, materials, and subcontractors get paid now; the facility settles when the agency or prime pays.
Do I have to be the prime contractor?
No. We finance receivables on both federal prime contracts, where the account debtor is a U.S. government agency, and federal subcontracts, where the account debtor is an approved prime contractor to a U.S. agency.
What if my contract requires equipment rather than invoiced labor?
True lease structures finance the equipment needed to perform the contract, with payments aligned to the contract's revenue instead of a lump-sum purchase.
Can the facility grow with new awards?
Yes. Because the financing is underwritten against the receivables themselves, the facility scales as you add contracts — which is exactly when most contractors feel the cash squeeze.
Explore other programs
Reach out to us to learn more!