{"id":1019,"date":"2024-03-16T20:38:26","date_gmt":"2024-03-16T20:38:26","guid":{"rendered":"https:\/\/dms-factoringagent.com\/SA-12\/?p=1019"},"modified":"2024-04-24T14:54:17","modified_gmt":"2024-04-24T14:54:17","slug":"the-power-of-factoring-for-the-construction-industry","status":"publish","type":"post","link":"https:\/\/dms-factoringagent.com\/SA-12\/the-power-of-factoring-for-the-construction-industry\/","title":{"rendered":"The Power of Factoring for the Construction Industry"},"content":{"rendered":"<p>The factoring of construction related receivables is certainly one of the more difficult niche areas of factoring from the transactional standpoint, but one our company that has become very well acquainted with.\u00a0 Why you say?\u00a0 Because the need for financing in this segment is so great that many industry brokers and commercial finance consultants can actually focus 100% of their marketing efforts on construction factoring for general contractors and sub-contractors alike.\u00a0 While many factors and lenders shy away from this industry, we have become experst in all aspects of this important niche area and welcome clients from all areas of construction and engineering.<\/p>\n<h2><em>Why is Construction So Difficult to Finance?<\/em><\/h2>\n<p>First, you need to know that construction factoring provides services to several different categories of prospective clients.\u00a0 And when factors finance in this sector, one size does not fit all.\u00a0 From a product knowledge standpoint, there is quite a bit for commercial finance consultants to learn.<\/p>\n<p>In the construction sector, we will have three possible types of clients or prospect groups for financing .\u00a0 They are:<\/p>\n<ul>\n<li><b>SUB-CONTRACTORS:\u00a0<\/b>Those actually performing the work on a job site and being paid for that work by a General Contractor<\/li>\n<li><b>GENERAL CONTRACTORS:\u00a0<\/b>Seeking to get advances on progress payments made to them by project owners or banks<\/li>\n<li><b>SUPPLIERS:\u00a0<\/b>Businesses that supply materials to the job site.\u00a0 This is everything from lumber and trusses to bulk hardware.<\/li>\n<\/ul>\n<p>Of the three groups, sub-contractors tend to be our largest market for financing and the easiest to actually interact with.\u00a0 The second most promising group will be suppliers.\u00a0 The general contractors themselves are the smallest group and by far the most difficult to finance.<\/p>\n<h2><em><b>Factoring<\/b> Sub-Contractors<\/em><\/h2>\n<p>The factoring of sub-contractor receivables is the most common in this niche.\u00a0 Here, the invoices being factored are those payable by a general contractor to the sub-contractor for its work on the job.\u00a0 What makes this area difficult?\u00a0\u00a0 Here are a few risks not typically associated with \u201cplain vanilla\u201d factoring.<\/p>\n<ul>\n<li><b>RETAINAGE:\u00a0<\/b>Most sub-contractor invoice payments are subject to something called\u00a0<i>retainage<\/i>.\u00a0 Retainage (usually 10% of the invoice face amount) is a holdback the general contractor retains for (sometimes up to a year) to offset poor craftsmanship that may show up well after the sub-contractor has left the jobsite.\u00a0 Because of retainage, all sub-contractor invoices factored are subject to having additional reserve held of 10%.\u00a0 A normal 80% initial advance becomes a 70% or even 65% advance.<\/li>\n<li><b>SETOFFS:\u00a0<\/b>General contractors most often enjoy something called\u00a0<i>rights to setoff<\/i>.\u00a0 This means that an invoice payment for a current job performed may be reduced or \u201csetoff\u201d by a chargeback on a job performed months prior.<\/li>\n<li><b>VERIFICATION:\u00a0<\/b>While the verification process is usually very straightforward in most everyday factoring transaction, it can be problematic in construction.\u00a0 This is because the invoice verifier, in the normal chain of command in a construction deal, is the project manager who will typically be on the job site and difficult to access.<\/li>\n<li><b>CONDITIONAL LIEN RELEASE:\u00a0<\/b>Prior to paying an invoice, the general contractor will require a conditional\u00a0<i>mechanic\u2019s lien release\u00a0<\/i>which protects it from the sub-contractor filing a lien against the job after being paid.\u00a0 This creates some additional paperwork for factors and it can also create a logistical problem since the general contractor will not pay without the release and the release must often be signed in person at the general contractor\u2019s offices.<\/li>\n<\/ul>\n<h2><em>An Important Client Niche<\/em><\/h2>\n<p>As commercial finance consultants, becoming an expert in the niche area of construction receivables factoring has always been one of our priorities since inception and we recognize this industry represents a very robust opportunity in most markets.\u00a0 Factoring is perfect for this industry.\u00a0 It is famous for the slow payment of invoices from general contractors to sub-contractors, often due to causes such as inclement weather delaying overall construction on the job (and the \u201cprogress payments\u201d from the banks financing the job) as well as simply paying subs slowly to conserve capital during the construction process.\u00a0 In the construction trade, \u201cpaid-as-paid\u201d is common and it means that the sub-contractor gets paid when the general gets paid it\u2019s progress payment.\u00a0 It is not uncommon for sub-contractors performing their services early in any given progress phase of a construction job to wait 60 days or longer for their invoice payment and especially if the weather doesn\u2019t cooperate.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The factoring of construction related receivables is certainly one of the more difficult niche areas of factoring from the transactional standpoint, but one our company that has become very well acquainted with.\u00a0 Why you say?\u00a0 Because the need for financing in this segment is so great that many industry brokers and commercial finance consultants can [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1211,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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