Best Invoice Factoring Companies for Building Materials Manufacturing

The building materials manufacturing sector faces acute cash flow challenges that demand specialized financial solutions. With late payments affecting nearly half of B2B invoices across North America and payment cycles often stretching 60–120+ days from raw material purchase through production to final customer payment, manufacturers struggle to maintain operations while waiting for receivables. For companies seeking to streamline their financial operations while offering flexible payment terms to customers, Resolve's B2B Net Terms platform provides a comprehensive alternative that addresses these specific industry challenges through non-recourse financing and embedded payments.

Key Takeaways

• Building materials manufacturers need factoring solutions that handle high advance rates, extended payment terms, and seasonal demand fluctuations
• Non-recourse financing eliminates credit risk while providing rapid funding, addressing the industry's extended payment cycles and material cost pressures
• Specialized providers offer manufacturing-specific features like purchase order financing, supply chain finance, and material-specific funding models
• Technology integration with ERP systems (QuickBooks, NetSuite, SAP) is increasingly important for mid-size and large manufacturers
• Modern alternatives like Resolve Pay offer embedded credit and payment solutions that streamline the entire credit-to-cash lifecycle while eliminating traditional factoring complexities
• AI-powered automation platforms reduce manual overhead while accelerating cash flow through intelligent workflow management

1. Resolve Pay

Resolve Pay offers building materials manufacturers a comprehensive alternative to traditional factoring through non-recourse financing and embedded payment solutions. Unlike conventional factoring companies, Resolve's platform addresses the entire credit-to-cash lifecycle with AI-powered automation, seamless ERP integration, and white-label customer experiences that maintain direct manufacturer relationships while eliminating credit risk.

Best For

Building materials manufacturers seek to eliminate credit risk while maintaining healthy cash flow and customer relationships through a comprehensive platform that handles credit, payments, and accounts receivable automation.

Key Features

• Non-recourse financing with advances up to 90% of invoice value within 24 hours
• All cash advances are non-recourse so what you get is always yours to keep, eliminating default risk completely
• Credit team expertise with specialists formerly from Amazon, PayPal, and Fortune 500 firms delivering deeper credit insights
• Complete workflow automation through the Accounts Receivable with AI-Powered Automation platform managing the entire credit-to-cash lifecycle
• Seamless integration with leading ERP, accounting, and commerce platforms including QuickBooks, Oracle, Shopify, and BigCommerce
• White-label experience maintaining direct customer relationships through branded payment portals
• AI-powered instant credit approvals accelerating order-to-cash cycles from days to seconds
• Resolve’s platform delivers faster credit decisions, faster access to funds, and meaningful reductions in manual receivables work

Building Materials Relevance

Resolve helps building materials manufacturers bridge long cash-flow gaps by enabling them to offer Net 30, 45, 60, or 90 terms while receiving funds within 24 hours. This is especially useful during peak construction seasons when raw material prices rise and inventory requirements intensify.

Because the financing is non-recourse, manufacturers can extend credit to contractors and distributors without bearing default risk. Resolve absorbs credit losses and uses AI-driven credit models that analyze thousands of buyer data points to set dynamic limits based on real-time risk, rather than relying only on static bureau scores.

Resolve also protects customer relationships through a white-label payment experience, keeping the manufacturer’s brand front-and-center instead of inserting a factoring intermediary. On the operations side, its AR automation can cut administrative workload by up to 50% by streamlining invoicing, payment reminders, collections, and reconciliation, with integrations designed to fit existing ERP workflows.

Technology Integration

Resolve offers built-in integrations with leading ERP, accounting, and commerce platforms commonly used in building materials manufacturing, including QuickBooks, Oracle, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. These integrations enable automated invoice synchronization, real-time payment updates, and seamless financial reconciliation without manual data entry.

2. 1st Commercial Credit

1st Commercial Credit provides building materials manufacturers with a dedicated manufacturing program and comprehensive supply chain financing solutions. With over 20 years in business and funding across numerous clients, they understand the cash flow challenges of the building materials sector. Their platform combines traditional invoice factoring with purchase order financing and trade payable solutions.

Established building materials manufacturers with complex supply chains requiring comprehensive financing solutions beyond basic invoice factoring.

Key Features

• Advance rates for manufacturers reaching competitive industry levels
• Dedicated manufacturing program with tailored solutions
• Purchase order financing to secure raw materials upfront
• Supply chain finance solutions addressing the full production cycle
• Flexible contracts with no minimum volume requirements
• Facility range accommodating various business sizes

1st Commercial Credit's comprehensive approach addresses the building materials manufacturer's cash flow cycle: raw material purchasing, production periods, shipping, and customer payment. Their purchase order financing enables manufacturers to secure lumber, concrete, steel, and other materials that represent significant portions of total production costs without tying up working capital. This is particularly valuable during peak construction seasons when material costs escalate and inventory demands increase.

3. FundThrough

FundThrough offers building materials manufacturers high advance rates combined with technology integration. Their platform leverages AI-powered automation to provide same-day funding after the initial setup, with transparent pricing.

Tech-savvy building materials manufacturers using QuickBooks or other accounting software who need high advance rates with minimal manual processes.

Key Features

• High advance rates in the industry
• Same-day funding after first funding cycle
• QuickBooks and OpenInvoice integration for seamless data flow
• AI-powered automated funding offers
• No long-term contracts required
• Funding to SMBs across multiple industries including building materials

FundThrough's high advance rate is particularly valuable for building materials manufacturers who face high raw material costs and extended payment terms from contractors and distributors. The technology integration eliminates manual invoice entry and reconciliation, reducing administrative overhead while accelerating cash flow. For manufacturers managing seasonal demand fluctuations, the ability to access substantial invoice value immediately provides crucial working capital flexibility.

4. altLINE

altLINE, a division of The Southern Bank Company (founded in 1936), provides building materials manufacturers with institutional credibility and competitive rates. Their bank affiliation adds institutional stability that many independent factoring companies can’t offer.

Building materials manufacturers prioritizing institutional stability and working with startups or businesses with challenging credit profiles.

Key Features

• Bank backing with FDIC insurance provides institutional credibility
• Competitive starting rates in the industry
• Typical advance rates in standard ranges
• Same-day funding available
• Works with startups and businesses with poor credit
• Funding range suitable for most building materials manufacturers

The building materials manufacturing sector includes many family-owned businesses and startups that may not have extensive credit histories but serve creditworthy customers. altLINE's focus on customer creditworthiness rather than the manufacturer's financial strength enables these businesses to access financing based on their customers' payment capacity. This is particularly valuable for newer manufacturers trying to establish themselves in the competitive building materials market.

5. Riviera Finance

Riviera Finance brings over 55 years of family-owned continuity and manufacturing expertise to building materials manufacturers. Operating since 1969 and maintaining profitability consistently, they offer a dedicated manufacturing factoring program with competitive advance rates and non-recourse options.

Building materials manufacturers valuing long-term relationships, personalized service, and manufacturing-specific expertise from a proven, stable provider.

Key Features

• Over 55 years in business with family ownership continuity
• Dedicated manufacturing factoring program
• Competitive advance rates with rapid funding
• Non-recourse factoring available to eliminate default risk
• Competitive factoring rates for relationship-focused service
• Has been praised for customer service

Riviera Finance's dedicated manufacturing program demonstrates understanding of building materials cash flow cycles, seasonal patterns, and customer payment behaviors. Their non-recourse option is particularly valuable when working with contractors who may face payment delays from general contractors or project completion issues. The family-owned structure ensures consistent service relationships and strategic planning support beyond basic financing.

6. Porter Capital

Porter Capital offers building materials manufacturers competitive rates combined with dedicated human account managers rather than automated systems. Their personalized approach provides genuine points of contact for handling complex situations, with competitive advance rates and non-recourse options available.

Building materials manufacturers seeking competitive rates while maintaining personalized, human-focused service relationships.

Key Features

• Competitive starting rates in the industry
• Dedicated human account managers vs. automated systems
• Competitive advance rates with standard funding timelines
• Non-recourse factoring available to eliminate credit risk
• Manufacturing and distribution industry expertise
• Flexible contracts accommodating various business needs

Porter Capital's combination of competitive rates and human account management addresses the building materials manufacturer's need for both cost efficiency and personalized support. Complex situations involving project delays, material specification changes, or customer disputes benefit from human expertise rather than automated systems. The competitive rates help preserve margins in an industry with tight profit margins and significant cost pressures.

7. eCapital

eCapital provides building materials manufacturers with rapid same-day funding and substantial single-invoice capacity. With significant funding across multiple industries and robust proprietary account management software, they serve manufacturers with substantial financing needs and complex operational requirements.

Large building materials manufacturers with high invoice volumes, substantial single-invoice values, and need for rapid funding turnaround.

Key Features

• Same-day funding for early submissions
• Substantial single-invoice capacity
• Competitive factoring fees with strong advance rates
• Non-recourse factoring available to eliminate credit risk
• Proprietary account management software for self-service
• Significant funding across multiple industries demonstrates scale and reliability

Large building materials manufacturers often handle substantial single orders for major construction projects, commercial developments, or infrastructure work. eCapital's substantial single-invoice capacity accommodates these high-value transactions, while their same-day funding ensures rapid cash flow for ongoing operations. The proprietary software platform enables efficient self-service management of high invoice volumes without increasing administrative overhead.

8. Triumph Business Capital

Triumph Business Capital offers building materials manufacturers flexibility with competitive advance rates, no long-term contracts required, and robust technology platforms. Originally focused on trucking but expanded to manufacturing, oil & gas, and telecom, they provide same-day funding with no minimum volume commitments.

Building materials manufacturers seek high advance rates with complete contract flexibility and no long-term commitments.

Key Features

• Competitive advance rates in the industry
• No long-term contracts required - complete flexibility
• Same-day funding available
• Robust online portal and mobile app for invoice management
• Expanded from transportation to serve manufacturing sector
• Educational resources to support financial literacy

Triumph's no-contract model provides building materials manufacturers with flexibility to adapt to seasonal demand fluctuations, project-based sales cycles, and changing market conditions. The competitive advance rate ensures working capital availability for raw material purchases and production costs, while the technology platform enables efficient management of diverse customer portfolios including contractors, distributors, and direct customers.

Choosing the Right Solution for Your Building Materials Business

Building materials manufacturers operate under tough cash-flow dynamics: extended customer payment cycles (often 60–150 days), seasonal demand swings, and high raw-material outlays that can account for 40–60% of production costs. To stay competitive, manufacturers frequently need to offer contractors and distributors flexible terms (Net 30–90) while still funding purchasing, production, and day-to-day operations.

Resolve Pay is presented as a modern, non-recourse financing alternative to traditional factoring. It can advance up to 90% of an invoice within 24 hours and assumes the credit risk, helping manufacturers preserve liquidity without relying on recourse agreements or navigating complex, layered fee structures. This supports offering competitive payment terms without weakening the balance sheet.

Beyond financing, Resolve emphasizes speed and operational leverage. AI-driven instant credit decisions shorten the order-to-cash cycle, enabling faster responses to orders and bids. AR automation can reduce time spent on credit checks, reminders, and collections by up to 50%, and ERP integrations (e.g., QuickBooks, Oracle, NetSuite) aim to simplify adoption and scaling. A white-label customer portal keeps the manufacturer’s brand front-and-center while Resolve manages risk, collections, and payments behind the scenes.

Frequently Asked Questions

How can Resolve's platform benefit building materials manufacturers compared to traditional factoring companies?

Resolve's solution eliminates the complexities of traditional factoring through non-recourse financing that advances up to 90% on invoices. Unlike factoring companies that may require recourse agreements and charge additional fees, Resolve assumes all credit risk while providing transparent pricing. The platform also includes comprehensive AR automation, credit management, and seamless ERP integration that traditional factoring companies don't offer, reducing administrative overhead while accelerating cash flow.

What are the eligibility requirements for a building materials manufacturing company to use Resolve's services?

Building materials manufacturing companies must have at least USD 1M annual B2B revenue to qualify for Resolve's services. The platform is designed for established B2B businesses that can benefit from embedded credit expertise and comprehensive payment automation. Resolve's experts evaluate each customer's specific needs to ensure the platform aligns with their operational requirements and growth objectives.

Can Resolve help my building materials business offer net terms to customers without increased risk?

Yes, Resolve enables building materials manufacturers to offer net terms without taking on additional credit risk. Resolve takes on the credit assessment, credit decision, and majority risk of late payments or defaults, allowing businesses to offer terms while protecting cash flow. The platform's proprietary AI models evaluate thousands of buyer data points to generate dynamic, scalable credit decisions, ensuring appropriate credit limits for each customer.

How quickly can building material manufacturers receive payment for approved invoices with Resolve?

Resolve advances payment on approved invoices within 24 hours, providing immediate cash flow while customers maintain their standard payment terms. This rapid funding cycle addresses the building materials manufacturer's need for working capital to secure raw materials, manage production costs, and maintain operations during extended customer payment cycles.

What accounting and e-commerce platforms does Resolve integrate with, common in the building materials industry?

Resolve offers built-in integrations with leading ERP, accounting, and commerce platforms commonly used in building materials manufacturing, including QuickBooks, Oracle, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. These integrations enable automated invoice synchronization, real-time payment updates, and seamless financial reconciliation without manual data entry.

This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.