Having government contracts means steady work — but carrying the cash flow for 60–90 days, or longer, limits how much work a company can actually take on, and can damage its balance sheet and future prospects. As members, Vendors First solves this two ways: digital settlement systems so both the vendor and everyone they pay settle faster, and invoice acceleration from 60–90 days down to 72 hours from an approved invoice.

Invoice acceleration takes payment from 60–90 days down to 72 hours from an approved invoice, for a simple flat fee — with staggered payments and credit checks built in.

Membership and Smart Working Capital are not based upon credit checks or ratings, and we don't require them.

Unlike other resources, we don't add junk fees for processing, special services, or participation in our programs. Smart Working Capital operates on a 5% flat-fee basis that is far less expensive than other lending or cash flow options for government vendors. There is no cost for pre-qualification.

Vendors First's Smart Working Capital charges a flat 5% fee with no compounding interest or hidden fees, unlike traditional credit lines or factoring, which often carry variable interest rates, tiered discount fees, and additional charges that grow the longer an invoice sits unpaid. That flat-fee simplicity gives businesses a predictable, upfront cost of capital instead of the uncertainty of accruing finance charges over time. 

You can be prequalified by simply completing a form and meeting briefly with our team. Once pre-qualified, you bring us any invoice or contract, and we'll quickly qualify you for payment.  There are no credit checks and no nuisance fees or creeping finance charges.