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 30 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 our affiliated funding company, 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 our affiliated funding company — creating double-layered security on every advance.
CDs, money markets, and Treasuries are considered the safest places to park capital — and InvestABR still pays 2–3× their current rates, while backed by the same ultimate guarantor: the US government.
Money market funds and CDs are yielding 4–5% today because interest rates are elevated. When the Fed cuts — and cuts have already begun — your CD rolls over at a dramatically lower rate, your money market yield shrinks overnight, and your purchasing power against inflation quietly erodes. You don't control when the rate changes. You just absorb it.
InvestABR's promissory notes lock in your rate for the full 2–3 year term. No reinvestment risk. No rate surprises. Meanwhile, tariff shocks are squeezing equity portfolios, and geopolitical uncertainty has made bond duration management a full-time job. Our returns come from a structurally different engine: short-duration US government invoice obligations that have nothing to do with market sentiment — and everything to do with a legal payment obligation.
Today's 4–5% rates look attractive — but they're variable or short-term. When the Fed cuts rates, your yield drops automatically. You're locked into the rate environment, not a fixed return.
US Treasuries offer safety but capped upside. High-yield savings accounts are variable and not structured as investments. Both leave accredited capital significantly underworking.
Fixed rate locked for the full 2–3 year note term, secured by US government payment obligations — more than double the yield of the safest traditional alternatives, with no market exposure.
Both Treasury bills and InvestABR ultimately draw on US government creditworthiness. A T-bill is a direct government debt. An InvestABR note is secured by an invoice the government is legally obligated to pay. The difference is yield: 4.3% vs 10–11%. Both are contractually backed. Only one of them puts your capital to serious work.
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. We advance funds against the verified invoice — and because payment is legally assigned to our affiliated funding company, the government pays 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 our affiliated funding company — two binding layers of legal obligation protect every dollar you invest.
Operating since 1995, 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 their affiliated funding company. 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 30 years of experience in government contract financing — vetting contractors, verifying invoices, and delivering monthly payments to investors since 1995.
Co-founder of the firm in 1995, appointed President in 1998. Nearly 20 years as Vice-President of Commercial Lending and Bank Compliance Officer. Former U.S. Small Business Administration Advisory Board member and recipient of the SBA "Financial Business Advocate of the Year" award (1992). Graduate degrees in Finance from SMU and Political Science from UTEP.
Mortgage finance career beginning in 1970. CEO of ABR Capital Funding, LLC. Finance degree from Stanford University (1969) and an Associate's degree from the School of Mortgage Banking at Northwestern University (1972). Manages the company's treasury and overall financial governance.
Leads marketing, technology, and innovation for ABR's growth initiatives — driving business development, AI-powered systems, and investor communications across multi-state markets.
Co-founded the firm in 1995 with over 40 years in marketing and operations leadership. Former Vice-President of Sales (Central Division) at Philip Morris and Dole Corporation. Known company-wide as a turnaround specialist, with 25 years as an independent contractor. BS from Kent State; U.S. Army veteran.
Over 44 years in the finance industry — 5 years mortgage, 15 years banking, and 24 years in asset-based lending. Primary underwriter and head of day-to-day operations. Every contractor file, every invoice, and every UCC-1 filing passes through her review before capital is deployed. Graduate of the University of New Mexico Credit Banking School.
A key member of the ABR team for over 23 years. Manages all investor relations and oversees ABR operations implementation — from new investor onboarding and monthly interest check coordination to account servicing throughout the full term of every note.
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 our affiliated funding company 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.
No. Your interest rate is fixed for the full term of your promissory note — it does not fluctuate with the market, Fed rate decisions, or any other external factor. The rate you sign at is the rate you receive every month until maturity. When you renew at maturity, your rate remains the same as when you started.
U.S. investors receive monthly interest by check drawn on our account at PNC Bank, mailed on the 1st of every month. If you bank with PNC, we can deposit directly into your account for immediate credit. Foreign investors receive quarterly debenture interest payments via wire transfer to their designated bank account.
We are not drawn into bankruptcy proceedings. Because our affiliated funding company legally owns the invoice — not just a claim on it — and because the government contracting authority has assigned payment directly to our affiliated funding company via the Assignment of Claims Act, the government is still legally required to pay regardless of the contractor's financial status. The same protection applies if the IRS pursues a contractor for back taxes: the IRS has historically subordinated its collection so the contractor can continue operating and servicing their debt.
Never — not once in 30+ years of operation. For clients (contractors), there was one IRS garnishment instance in that time, but the funds were returned to ABR in full. We file an IRS Form 8821 Tax Information Authorization for every client, which gives us advance notice of any IRS collection issue so we can stop advancing or wind down exposure before there is any risk to investor funds.
Yes. You can increase your note at any time in increments of $25,000 or more, and your interest rate will remain the same as your original note. Many of our investors start with a smaller commitment to experience how the program works and then increase once they've received their first several monthly checks.
Multiple layers of legal protection are in place: (1) Assignment of Claims Act — the government contract is legally modified so all invoice payments are legally required to go directly to our affiliated funding company; (2) UCC-1 Financing Statement — a first-lien position is filed on the contractor's receivables with the Secretary of State in every state they operate; (3) Federal Acquisitions Regulation (FAR) — legally requires government contracting officers to honor the assignment and pay our affiliated funding company directly via ACH; (4) SAM/CCR Registration — our affiliated funding company is registered in the federal System for Award Management, ensuring all federal payments route electronically; (5) Retired JAG Officer Advisors — two Judge Advocate General officers are on call for any federal contract dispute.
Yes. We can only discuss your account with you or with a person you have explicitly authorized in writing addressed to our President. We rigorously protect investor confidentiality and observe all applicable privacy laws. Your investment information is never shared with third parties for marketing or any other non-operational purpose.
For new investors, we prefer no higher than $500,000 for an initial commitment. We deliberately avoid high investment concentrations — spreading the investor pool across multiple notes makes it far easier to respond to extraordinary circumstances (such as a principal's passing) and return funds before maturity if needed. You can always increase your note over time as you experience the program firsthand.
Yes. Your rate is based on both your investment amount and timing. The standard tiers are 10% APR ($25K–$99,999) and 11% APR ($100,000+). Contact our team to discuss your specific situation — larger commitments or longer-term notes may qualify for enhanced terms.
Yes. We issue Debentures to foreign investors, with quarterly interest paid by international wire transfer. A foreign investor cannot be a U.S. citizen or hold equity ownership in our company. We do not withhold taxes from foreign investor payments, and 1099s are not issued for foreign investors. We recommend consulting with a cross-border tax advisor about your obligations in your home country.
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.
