Primepay

Small prime contractors and subcontractors can deliver against government work while waiting for invoice approval and payment. The supplied research confirms active factoring providers for government contractors and a free federal award-data interface, but finds no reviewed decision-support product that connects contract timing, company cash flow and transparent financing comparisons. It also explicitly flags financial-advice risk.

Primepay imports authorized contract, invoice and ledger exports. It records agency, prime or subcontract position, deliverable, acceptance status, invoice date, disputed amount and historical payment observations, then builds cash scenarios under user-approved assumptions. Historical agency data can inform a range; it cannot predict this invoice's payment date.

If a user requests financing options, the service presents verified provider terms in a common disclosure format: advance, fees, recourse, reserve, notice, minimums, covenants, collection control, effective cost and referral compensation. It does not label a provider non-predatory, recommend a transaction, submit an application, share records or move money without separate informed authorization.

The first release should use file imports rather than claiming native accounting connections the supplied record did not verify. It should cover one contractor and one contract, keep scenario, professional advice, provider quote, signed agreement, funding, repayment and project outcome separate, and route high-stakes choices to a qualified financial or legal adviser.

Owner or finance lead at a small federal prime contractor or subcontractor managing a specific invoice-timing cash gap