Turn carrier and prime contractor invoices into working capital within 4 hours, so crews get paid on your schedule instead of theirs.
AmeriFactors Financial Group provides invoice factoring to telecom and tower contractors across the United States, converting unpaid invoices from carriers, tower owners, and prime contractors into working capital. Tower construction and maintenance firms commonly wait 60 to 90 days for payment while carrying weekly crew payroll, per diem, fuel, and equipment costs. Factoring advances an average 80% of each invoice within 4 hours of submission, so field operations are funded on the crew's schedule rather than the carrier's.
Tower and wireless contractors carry their largest costs before the first invoice is even issued, and then wait 60 to 90 days to be paid. Crews, per diem, fuel, equipment, and certifications are weekly or immediate obligations. Carrier and prime contractor payment cycles are not.
The gap widens exactly when the business is winning. A new build or maintenance award requires mobilizing crews to a site, often across state lines, before any work can be billed. Contractors are frequently selected on how fast they can mobilize, which means the ability to fund a crew ahead of payment is not a finance problem, it is a competitive one.
Two structural features of this work make the gap worse than it looks. Work is progress billed, so payment arrives in stages tied to milestones and inspections rather than on completion. And a portion is commonly held as retainage until the project closes out, which can be months after the crew has demobilized and been paid.
Invoice factoring is underwritten primarily on the creditworthiness of the customer being invoiced, not the business submitting the invoice. Tower and wireless contractors invoice some of the strongest counterparties in the economy: national carriers, tower owners, equipment manufacturers, and large prime contractors.
That inverts the usual financing problem. A five-year-old tower crew with limited credit history and no real estate to pledge will often struggle to secure a bank line sized to its growth. But the invoice it is holding is an obligation of a national carrier. Factoring lets the contractor draw on the strength of that counterparty rather than its own balance sheet.
It also scales with the work. A factoring facility grows as invoicing grows, so a contractor that wins a larger award does not need a new credit approval to fund it. A fixed bank line, set at last year's revenue, is precisely the wrong instrument for a business whose constraint is mobilization capacity.
AmeriFactors funds contractors and service firms across wireless infrastructure and telecom, including companies whose customers are carriers, tower owners, OEMs, and prime contractors.
Qualification rests on the invoices and the customers behind them. A tower contractor needs completed, documented work invoiced to a business customer on 30 to 90 day terms, with no competing lien on the receivable. Company age, profitability, and pledged collateral are not the primary tests.
Documentation matters more in this trade than in most. Because tower work is progress billed and milestone verified, the invoice is only as fundable as the approval behind it. Contractors with disciplined closeout documentation move through verification materially faster.
A contractor completes a phase of work, issues the invoice to the carrier, tower owner, or prime contractor, and submits it to AmeriFactors. AmeriFactors advances an average of 80% of the invoice value within 4 hours. The customer pays AmeriFactors on the original terms, and the balance is released minus the factoring fee.
In practice this means crew payroll, per diem, and fuel are funded by the invoice as soon as it is issued, rather than waiting on a 60 to 90 day carrier cycle.
Yes. Invoices to national carriers, tower owners, equipment manufacturers, and established prime contractors are among the strongest receivables a factor can purchase, because factoring is underwritten primarily on the customer's creditworthiness rather than the contractor's.
This is why a smaller or younger tower company invoicing a national carrier can often qualify for factoring when it would be declined for a conventional bank line.
Factoring advances against approved progress billings, so each verified milestone can be funded as it is invoiced rather than waiting for project completion. Retainage is generally treated separately, because it is not payable until the project closes out and therefore is not an invoice due on terms.
The practical implication is that factoring solves the largest part of the tower cash flow problem, the milestone-to-payment gap, while retainage remains on its contractual schedule. Contractors should plan for retainage as a separate line rather than assuming it is advanced.
Within 4 hours of invoice submission, once the account is established. Initial setup requires an application with supporting documentation, approval, and a signed agreement, after which invoices can be submitted and funded on an ongoing basis.
Arrangements vary. Some cover the full receivables ledger while others allow specific invoices or specific customers to be factored.
Contractors running both carrier programs and smaller private work often want to fund only the long-dated carrier invoices, and leave faster-paying local work outside the facility.
AmeriFactors' fees start as low as 2% per invoice, calculated on the contracted collection period rather than as an annual rate. On a $1,000 invoice at a 2% fee and an 80% advance rate, the contractor receives $800 immediately, $180 once the customer pays, and a fee of $20.
Because the fee tracks how long an invoice is outstanding, contractors invoicing customers who pay closer to 30 days than 90 pay proportionally less. See the full cost breakdown →
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