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Sector Brief · Defense & Government Contracting

Defense & Government ContractingFinancing

Capital for Fort Liberty-adjacent operators.

North Carolina hosts Fort Liberty, Camp Lejeune, Seymour Johnson AFB and a deep base of MRO, defense IT, cleared services and federal-contractor operators. Quincy finances cleared and veteran-owned operators with SBA Express, equipment and government-contract working capital.

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Sector Memo

Defense & Government Contracting financing for Raleigh businesses

North Carolina is one of the most defense-dense states in the country - Fort Liberty (formerly Fort Bragg) outside Fayetteville, Camp Lejeune on the coast, Seymour Johnson AFB in Goldsboro, Cherry Point MCAS, and a deep base of cleared services, defense IT, MRO and veteran-owned operators concentrated between the Triangle and Fayetteville. Defense and government financing here has its own toolkit because the receivables behave differently than commercial AR.

AR financing against federal and prime-contractor receivables works cleanly with lenders comfortable with FAR-billed invoices. Contract mobilization working capital covers the gap between contract award and first invoice clearing. SBA Express for veteran-owned businesses offers reduced fees and 36-hour SBA turnaround - meaningful for cleared operators bidding on time-sensitive task orders out of Fort Liberty and the Triangle.

Quincy pre-screens for veteran-friendly and defense-savvy lenders within the SBA Preferred bench and the broader AR-financing market. Translating clearance, contract vehicle and prime-relationship strength into underwriting language is most of the work on these files.

Programs · Defense & Government Contracting

The programs we route most for defense & government contracting

Every option starts with a soft credit pull. Pre-screen takes 60 seconds.

  • 01

    SBA Express for Veterans

    Fast-track funding for veteran owners

    Expedited SBA Express loans for veteran-owned businesses with reduced fees and 36-hour SBA turnaround.

    • Up to $500K
    • Reduced SBA fees for veterans
    • 36-hour SBA turnaround
    Veteran-friendly
  • 02

    Govt Contract AR Financing

    Borrow against federal receivables

    A revolving line secured by federal and prime-contractor receivables. Lender comfort with FAR-billed AR.

    • Up to 90% AR advance
    • FAR-billing friendly
    • Lines $250K-$20M
    Revolving
  • 03

    Contract Mobilization Capital

    Stand up the contract before the first invoice clears

    Working capital to mobilize crews, buy materials and staff up before the first government payment hits.

    • $10K-$2M
    • Daily, weekly or monthly payments
    • No collateral options
    Funded in 24 hrs
  • 04

    SBA 7(a) for Defense Contractors

    Long-term capital for cleared firms

    Use SBA 7(a) for acquisition, expansion or real estate - popular among Fort Liberty-adjacent operators.

    • Up to $5M
    • 10-year working capital terms
    • Real estate up to 25 years
    From 8.25% APR
Ready to fund · Defense & Government Contracting

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