Sell Construction Receivables
For contractors, subcontractors, and suppliers sitting on unpaid invoices they would rather turn into cash now. RecoverMax evaluates construction receivables and bids on them, so you can stop carrying the balance.
- Free 20-minute call to review the account and the paperwork
- Clear read on what's likely recoverable
- No obligation, no scripted dialer
Prefer the phone? 763-373-0600
RecoverMax is a member of the Commercial Receivers Association. We work to the standards of the commercial receivables industry, not just our own policy, with accountability on conduct, compliance, and how every account gets handled.
Minnesota collection agency license #40996825
“RecoverMax stepped in and handled the matter with a high degree of professionalism, consistency, and integrity.”
“They integrated seamlessly with our team and helped us stabilize cash flow during a tough quarter.”
“Trustworthy partners in a sensitive distressed portfolio. They brought structure and clear communication.”
Who calls us in.
- General contractors
- Subcontractors and specialty trades
- Material and equipment suppliers
- Construction CFOs and owners
How construction receivables sale engagements actually work.
Every engagement starts with a real conversation about your portfolio. No automated triage, no template responses.
Some construction balances are worth chasing and some are not. A GC that went quiet, a project that closed out with retainage still held, a customer that went out of business with your invoices open: every month those accounts sit on the books, your team spends time on them and your lender asks about them.
A sale takes them off your plate. We review the invoices, contracts, change orders, and payment history behind each account, tell you what we think the receivables are worth, and make a bid. You get a known amount now instead of an unknown amount later, and the accounts stop being your problem.
A sale is not always the right call. If the documentation is strong and the debtor can pay, collecting the full balance usually beats selling at a discount, and we will say so. That is why we look at both options before recommending either one.
When construction receivables sale is the right call.
A few signals that suggest this engagement model fits. If most of these are true, we should talk.
- 01
You have a group of aged construction invoices you want off the books
- 02
A customer closed or went quiet with balances still open
- 03
Retainage or final payments from finished projects were never paid
- 04
Cash now matters more than the full balance later
From stuck to cash in four moves.
Diagnose
We review your aging, account documentation, and prior efforts to identify where recoverability is genuinely at risk.
Stabilize
Structured outreach replaces stalled internal follow-up. Accounts start moving again under disciplined cadence.
Resolve
Negotiated settlements, payment plans, or escalation paths, chosen to protect customer relationships where possible.
Report
Transparent updates on what recovered, what is still in motion, and what we recommend doing differently next time.
Common questions about construction receivables sale.
Pulled straight from the conversations we have with finance leaders most weeks. If your question isn't here, reach out and we'll answer it directly.
Yes. Unpaid construction invoices, retainage, and supplier accounts are receivables, and receivables can be sold. The buyer pays you an agreed amount up front and takes over collecting the balance.
Buyers include receivables purchasers like RecoverMax, factoring companies, and debt buyers. Factoring usually buys current invoices from customers who are paying. Aged or disputed construction receivables are a different market, and that is the one we work in.
We look at how old the accounts are, the paperwork behind them (contracts, change orders, lien waivers, delivery records), whether the debtor is still operating, and any disputes on file. Better documentation means a stronger offer.
Lien and bond rights are legal remedies with strict deadlines that vary by state, and we are not a law firm. Talk to your attorney about how a sale affects those rights before you close. If a lien deadline is still open, that can change whether a sale or a collection makes more sense.
It depends on the accounts. Collections recovers more of the balance over time; a sale gets you less, but now and with certainty. We evaluate both and tell you which one we would pick for your situation.
Yes. You do not have to sell everything. Many sales are a specific group of accounts, like everything from one customer or everything over a year old.
Often paired with this work.
Portfolio Purchase
When a direct sale offers a practical path to resolution, RecoverMax helps organizations sell accounts receivable and distressed receivables portfolios.
Learn more →Third Party Recovery
A commercial debt collection partner for businesses with overdue B2B accounts. We help companies recover aging commercial receivables, improve cash flow, and move stalled accounts toward resolution without burning customer relationships.
Learn more →Pre-Collection
Resolve unpaid invoices earlier with commercial collections support that improves cash flow and acts before accounts need formal recovery.
Learn more →Move forward on construction receivables sale.
Tell us what's stuck. We'll give you a realistic read on what's recoverable, what isn't, and the right next step.