ABR First Capital, LLC pays accredited investors 10–11% APR monthly from short-term government contract receivables — secured by legally assigned invoices payable by federal, state, and local agencies. Contractual cash flows, not market performance.
Stated rates are contractual note terms, not guaranteed returns. Investing involves risk, including possible loss of principal. See Risk Disclosures.
ABR First Capital, LLC specializes in short-term accounts receivable financing for 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 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.
Rate schedule, note terms, return projections, the full Offering Memorandum, and the investment interest form are available below. This offering is open to accredited investors only — we verify accredited status before any investment is accepted.
Fixed annual rate tiers based on investment level. Locked for the full note term.
Full promissory note terms, security structure, and legal framework documentation.
Interactive calculator showing projected income over your investment horizon.
Express your investment interest and receive our full investor package within 24 hours.
This offering is made to accredited investors under Regulation D, Rule 506(c). Accredited investor status is verified before investment is accepted.
From a contractor's completed work to the monthly payment you receive — here is how InvestABR finances government contract invoices, the agencies behind them, and the legal structure that secures every dollar.
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 agencies are the ultimate obligors on these invoices, among the most creditworthy payors available.
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 can default, our receivables are legally assigned invoices payable by government agencies — among the most creditworthy counterparties in existence. In 30+ years of continuous operation, government agencies have never failed to honor the invoice payments assigned to us. That track record is the foundation of our security model.
Every invoice in our portfolio is payable by a US federal, state, or local government agency — among the most creditworthy counterparties available. In over 30 years, these agencies have not once failed to honor the assigned payment obligations we hold. Our payor is a government entity, not a private borrower.
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 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.
The testimonials below reflect individual investor experiences and may not represent all investor experiences. Past investor experience does not guarantee future results. These testimonials are uncompensated. All investments involve risk of loss, including loss of principal.
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 to a private company. That's a receivable legally assigned from a government agency. 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.
Frank co-founded Capital Active Funding, Inc. in 1995 and was appointed President in 1998. He brings nearly 20 years of banking experience including VP of Commercial Lending and Bank Compliance Officer roles at InterFirst Bank and First City Bancorporation. Recognized as "Financial Business Advocate of the Year" by the U.S. Small Business Administration in 1992. Holds a Graduate Degree in Finance from SMU's Southwestern Graduate School of Banking.
Terri brings over 44 years of finance industry experience including 15 years in banking (El Paso National Bank, Bank Operations Officer, Bank Security Officer) and 24 years in asset-based lending. She serves as ABR's primary underwriter and oversees all day-to-day operations. Terri graduated from the University of New Mexico Credit Banking School.
Priscilla has been a key member of the ABR operations team for over 23 years and is the primary point of contact for investors. She has extensive knowledge and experience managing and implementing ABR's operations, including its investor relations program — from onboarding through monthly interest payment coordination.
Gonz served as ABR's business development lead in Arizona, helping asset-based lending clients compete for and successfully complete government contracts. He brought national recognition to the Arizona DOT by having its DBE Support Services program named USDOT Pilot Supportive Services Program of the Year (2004). A retired U.S. Army veteran with 20+ years of service, Gonz held a degree in Business Management.
Michael drives the expansion and modernization of ABR's operational infrastructure — leading marketing initiatives, AI development and integration, staff training programs, and the advancement of all technical systems and resources. He is focused on scaling ABR's capabilities and ensuring the organization remains at the forefront of technology-enabled government contract financing.
ABR First Capital, LLC is supported by nationally recognized securities counsel and independent legal advisors with deep expertise in private placements, government contracts, construction law, and creditors' rights.
Sara is a corporate and securities attorney with CrowdCheck, Inc., which provides due-diligence and securities-law compliance services for Regulation D and other exempt offerings. CrowdCheck supports the offering's compliance under Rule 506(c).
Jill is a securities attorney with CrowdCheck, Inc., supporting securities-law review and compliance for the offering under SEC Regulation D, Rule 506(c).
A partner of ScottHulse Law Firm for more than 40 years, Stuart is a commercial litigation and creditors' rights attorney. He serves as lead Editor of the three-volume Texas Collections Manual published by the State Bar of Texas and is one of only three attorneys in the State of Texas board certified in Creditors' Rights by the American Board of Certification.
Trial attorney, arbitrator, and mediator with more than 30 years in construction-related disputes. For over 25 years he has practiced as a civil trial lawyer before the Arizona Registrar of Contractors and the Arizona Superior and Federal District Courts — in construction, engineering, surety law, and government and public-works contract law. He has been involved in more than 2,000 construction-related disputes and claims, some exceeding $15,000,000, representing owners, general and specialty contractors, subcontractors, engineers, architects, and sureties.
Managing partner of Neel, Hooper & Banes, P.C. since 2006 and a retired JAG officer. Chambers USA recognized him as a leading lawyer in labor and employment law with an emphasis in government contracts, and he is rated AV Preeminent by Martindale-Hubbell. He has extensive expertise in matters arising out of government contracts — teaming, performance and workforce issues, compliance, audits and investigations, and litigation — and has briefed and argued numerous times before U.S. and state courts of appeal.
Questions about rates, terms, and the investment process are answered in detail on our Offering Details page, accessible to accredited investors.
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 a US government agency — federal, state, or local — contractually obligated to pay invoices for services already delivered and accepted. No stock market exposure. No real estate collateral risk. No private borrower credit risk. The primary risks include government payment delays or disputes, contractor default, and operational risks of the Company. See Risk Disclosures.
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.
ABR is not drawn into bankruptcy proceedings. Because we legally own the invoice — not just a claim on it — and because the government contracting authority has assigned payment directly to ABR via the Assignment of Claims Act, the government is still legally required to pay us 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 to ABR 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.
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 ABR; (2) UCC-1 Financing Statement — we file a first-lien position 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 ABR directly via ACH; (4) SAM/CCR Registration — we are registered in the federal System for Award Management, ensuring all federal payments route to us 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.
Yes. Foreign investors may invest in the same promissory notes, with interest paid monthly by international wire transfer. A foreign investor cannot be a U.S. citizen or hold equity ownership in our company. U.S. tax withholding and reporting may apply to foreign investor payments; we recommend consulting a cross-border tax advisor about your obligations in your home country and any U.S. withholding requirements.
Have a general question about our business, the invoice financing model, or how we work? Reach out — every message is handled personally by a member of our team.
Accredited investors seeking offering details — including rate schedule, note terms, and the investment interest form — should use the link below.
6044 Gateway Blvd E, Suite 544, El Paso TX 79905 fmb@investabr.com 1-833-845-4644 (toll-free) (915) 772-6333