InvestABR pays accredited investors 10–11% APR, monthly, from short-term invoices on government contracts — secured by the payment obligation of federal, state, and local agencies, not market performance.
ABR Capital Funding is the industry-leading provider of short-term accounts receivable financing to service and commercial contractors performing under US government contracts. For over 25 years, we have delivered consistent monthly income to accredited investors by financing the gap between when government contractors complete work and when agencies pay.
Our investor funds serve as working capital for our asset-based lending program. We advance capital against verified government contract invoices — and because both the contractor and the contracting government agency assign payment of those invoices directly to us, collection is a legal obligation, not a credit bet.
While stock markets gyrate on tariff news, geopolitical flashpoints, and economic data, our returns flow from a different engine entirely: the payment obligations of federal, state, and local government agencies — the most creditworthy counterparties available.
Every contractor is rigorously vetted before we advance a single dollar against their invoices.
Interest is paid on the 1st of every month — no portals, no delays, no reinvestment lock-in.
Both the contractor and the government agency legally assign payment to us — creating double-layered security on every advance.
InvestABR's 10–11% APR is competitive with leading alternative platforms — but while they rely on private borrowers, property markets, and economic cycles, our returns are secured by US government payment obligations.
Tariff announcements move equity indices 4% in a single session. Ongoing geopolitical conflicts spike energy and commodity prices without warning. Sticky inflation has quietly eroded the real yield on fixed-income positions for years. In this environment, any return tied to stock market sentiment carries risks that are genuinely difficult to model — let alone sleep through.
InvestABR's returns come from a structurally different source: short-duration, contract-backed commercial obligations on established businesses. Payment is a legal obligation, not a function of market mood. Whether indices rally, crash, or stagnate on the next tariff headline, our cashflows remain legally due.
Targeting 10–12%, these platforms carry borrower default risk that correlates directly with economic downturns — the very moments you need stability most.
Commercial real estate returns of 11–13% depend on property valuations, occupancy cycles, and financing costs — all sensitive to the interest rate environment driving today's volatility.
Comparable returns to leading platforms — but secured by US government payment obligations, not private borrower credit. The government does not default on its contractors.
Every dollar we advance is against a verified invoice on an awarded government contract. Both the contractor and the agency have legally assigned payment to us. When the invoice is due, the government pays — not because they chose to, but because they are legally obligated to. That is a fundamentally different risk profile than lending to a private individual or investing in a property fund subject to vacancy rates and interest cycles.
Each sector is selected for structural tailwinds, defensible returns, and alignment with long-term economic trajectories in the markets we serve.
A qualified contractor is awarded a government services or construction contract. They need working capital to begin performance before the government pays. InvestABR advances funds against the verified invoice — and because payment is legally assigned, the government pays us directly.
We finance contractors performing awarded work for federal agencies — including the Department of Defense, GSA, VA, and other federal bodies. Federal invoices carry the full faith and credit of the US government as the ultimate payor.
Beyond federal work, we finance contractors performing services and construction for state agencies, municipal governments, school districts, and public utilities — all government counterparties with established payment processes and strong collection certainty.
Accredited investors participate through a straightforward promissory note — a fixed-term, fixed-rate instrument with monthly interest payments by check. No stock market exposure, no variable rates, no reinvestment complexity.
Unlike P2P lending or private credit where the borrower may default, our receivables are secured by government payment obligations. The US government does not default on its payment obligations to contractors. That distinction is the foundation of our security model.
Adjust the sliders to see what your capital could become — comparing InvestABR's contract-backed returns against leading alternative investment platforms.
Your investment is backed by the payment obligation of US federal, state, and local government agencies — not a private borrower. The government does not default on its contractors.
Both the contractor and the government agency legally assign each invoice payment to InvestABR. Two binding layers of legal obligation protect every dollar you invest.
Operating since 1999, InvestABR has delivered consistent monthly payments to investors through multiple economic cycles — including recessions, market crashes, and global uncertainty.
Receive your interest every month — not at the end of a multi-year lock-up. Predictable, regular income from the first payment to the last.
We only advance capital against invoices for services already delivered and accepted by the government agency. There is no construction risk and no future performance risk in our model.
We serve a deliberately limited group of accredited investors. Smaller roster means deeper relationships, personal service, and direct access to our team throughout your investment term.
I've been getting a monthly check for four years now. The rate hasn't wavered and neither has the communication. While my equity portfolio went through two corrections, this just kept paying — like clockwork.
What convinced me was the structure — both the contractor and the government agency have to assign the payment to InvestABR. That's not a loan. That's a guaranteed receivable. My advisor walked me through every detail before I wired a dollar.
After 25 years in finance I'm skeptical of everything. InvestABR sent me their full documentation — the legal note structure, the invoice assignment framework, the contractor vetting process. It held up to everything I threw at it. Two years in, no surprises.
A Texas-based team with over 25 years of experience in government contract financing — vetting contractors, verifying invoices, and delivering monthly payments to investors since 1999.
Over 25 years building and refining a government contract financing model that has delivered consistent returns through multiple economic cycles.
Every contractor is vetted before placement. Every invoice is independently verified against the awarded government contract before any capital is deployed.
A named relationship manager handles every investor account — from onboarding through monthly reporting to final repayment. You will always know who to call.
Our operations team manages the full cycle from invoice submission through government collection — ensuring payments arrive on schedule and interest checks go out every month.
The minimum investment is $25,000. Investors at the $25,000–$99,999 level earn 10% APR. Investors committing $100,000 or more earn 11% APR. Both tiers receive monthly interest payments throughout the term of the note.
Interest is paid monthly — every month, without exception. Payments are issued via check or wire transfer to the account you designate at onboarding. At maturity, your full principal is returned. There are no exit fees.
Your investment is structured as a promissory note secured by the assignment of specific government invoices. Both the contractor and the government agency legally assign their payment rights to InvestABR for each transaction. The underlying payor is the US government — federal, state, or local — which is legally obligated to pay invoices for services already delivered and accepted. No market exposure. No real estate risk. No private borrower credit risk.
InvestABR is open exclusively to accredited investors as defined by the SEC under Rule 501 of Regulation D. Generally, this means individuals with net worth exceeding $1 million (excluding primary residence), or annual income exceeding $200,000 ($300,000 jointly). Our team will confirm your eligibility during the onboarding process.
Notes are typically structured with 2–3 year terms. During that period you receive monthly interest. At maturity, 100% of your principal is returned. The short-duration nature of the underlying invoices (typically 30–90 days) means the portfolio continuously rolls over, maintaining liquidity at the fund level while your note remains in its fixed term.
Within one business day, your dedicated relationship manager will reach out to introduce themselves and schedule a call. You'll receive our full investor package — note structure documentation, a sample invoice assignment agreement, and historical payment performance — before any commitment is requested. There is no obligation at this stage.
Complete the form and we'll send you our full investor package — including our current deal book, historical performance data, legal structures, and a personal introduction call with your dedicated advisor.