Business Funding in Washington, DC
Small Business Funding & Government Contract Capital in Washington, DC
Revenue-based funding and factoring for DC businesses and federal, state, and prime contractors.
Washington, DC is the capital of the country and the largest government-contracting market in the United States, with a deep professional-services, hospitality, healthcare, and construction economy layered on top of the federal government. DC businesses and contractors face a defining cash-flow challenge: agencies and primes are rock-solid customers that pay slowly, while payroll and costs are immediate. Y Millennial Funding provides revenue-based business funding and factoring for DC businesses doing $25,000 or more in monthly revenue, approved on revenue and receivables rather than credit.
The District of Columbia Economy
The District's economy is anchored by the federal government and the enormous contracting ecosystem around it — professional and business services, IT and cybersecurity, base and facility support, staffing, construction, and security and janitorial services — alongside a major hospitality, tourism, healthcare, and education sector.
Why District of Columbia Businesses Choose Revenue-Based Funding
DC businesses and contractors use funding to bridge slow agency and client payment against immediate payroll, to mobilize on newly awarded contracts, to cover materials and equipment, and to grow. Government contract factoring is especially relevant here: approval rides on the government's or prime's credit, so it is available even to newer set-aside, 8(a), and small-business firms.
The District of Columbia Funding Landscape
Options range from government contract factoring and invoice factoring (paid on approved invoices) to revenue-based merchant cash advances (a lump sum against future deposits). Factoring is the purchase of receivables, not a loan; an MCA is the purchase of future receivables, not a loan. Not all applicants qualify.
Key Industries We Fund in District of Columbia
Federal government and contracting, professional and business services, IT and cybersecurity, healthcare, hospitality and tourism, education, construction, security and janitorial services
Metros We Fund Across District of Columbia
Washington–Arlington–Alexandria metro (6.3M)
District of Columbia Cities We Serve
Local business funding across District of Columbia's major markets.
District of Columbia Industries We Fund
Industry-specific funding for District of Columbia businesses across all major sectors.
ABA Therapy & Autism Services
ABA therapy business funding and loan alternatives for autism services, ABA clinics, and behavioral health providers. Clinic build-out, hiring, bridging insurance reimbursement. Revenue-based, same-day decisions for eligible applications.
Learn moreAccounting & Bookkeeping Firms
Revenue-based funding from $25,000 for accounting and bookkeeping firms. Carry the off-season and fund growth. Approved on revenue, not credit.
Learn moreAddiction Treatment & Recovery Centers
Addiction treatment center loan alternatives and rehab facility funding for treatment centers, IOP, PHP, and detox facilities. Facility build-out, licensing, payroll, expansion. Revenue-based, same-day decisions for eligible applications.
Learn moreAgriculture & Farming
Revenue-based funding for farms and agribusiness — seed, feed, equipment, labor, and seasonal working capital. A merchant cash advance, not a loan; approved on deposits.
Learn moreAI & Technology Services
Business loan alternatives and revenue-based funding for AI consulting firms, automation agencies, IT services, MSPs, and software companies. Payroll, compute costs, and growth capital between client invoices. Same-day decisions for eligible applications.
Learn moreAuto Dealers & Used Car Lots
Revenue-based funding for used car dealers and auto lots — inventory, auctions, reconditioning, and floor-plan gaps. A merchant cash advance, not a loan; approved on deposits.
Learn moreAuto Repair & Auto Body
Auto repair financing and auto body shop loan alternatives for independent shops, collision centers, and specialty repair. Diagnostic equipment, lifts, ADAS tooling, bay expansion. Revenue-based, same-day decisions for eligible applications.
Learn moreBars & Nightclubs
Revenue-based funding for bars, nightclubs, and lounges — liquor inventory, equipment, renovations, and payroll. A merchant cash advance, not a loan; approved on card volume.
Learn moreBusiness Funding for Bad Credit
Direct funder offering business funding for bad credit. We underwrite on revenue, not credit score — businesses with $25K+ monthly revenue can qualify despite past credit issues. Same-day decisions for eligible applications.
Learn moreBusiness Vehicle Financing
Business vehicle financing and work vehicle loan alternatives for service businesses, contractors, delivery operations, and fleets. Vans, trucks, fleet expansion, upfit. Revenue-based, same-day decisions for eligible applications.
Learn moreCannabis & CBD Businesses
Cannabis business loan alternatives and dispensary financing for cultivators, processors, dispensaries, and CBD businesses. Licensing, equipment, build-out, expansion. Revenue-based funding for eligible applications.
Learn moreCar Washes
Revenue-based funding for car washes — tunnel and pump equipment, site upgrades, and working capital. A merchant cash advance, not a loan; approved on card volume, not credit.
Learn moreCatering Companies
Revenue-based funding for catering companies — food, rentals, staffing, equipment, and event-season scaling. A merchant cash advance, not a loan; approved on deposits.
Learn moreCleaning & Janitorial Services
Cleaning business loan alternatives and janitorial funding for commercial cleaning, residential cleaning, and specialty cleaning operators. Equipment, vehicles, payroll, contract growth. Revenue-based, same-day decisions for eligible applications.
Learn moreConstruction & Contractors
Contractor financing and construction business loan alternatives for general contractors, subcontractors, and specialty trades. Materials, equipment, mobilization, payroll between progress payments. Revenue-based, same-day decisions for eligible applications.
Learn moreConstruction Factoring & Contractor Receivables Funding
Construction factoring for subs and GCs — advance against approved pay applications instead of waiting 45-90 days on progress payments. Retainage-aware programs; revenue-based advances also available directly. Not all applicants qualify.
Learn moreDaycare & Childcare Centers
Daycare business loan alternatives and childcare funding for daycare centers, preschools, and childcare providers. Build-out, payroll, equipment, expansion. Revenue-based, same-day decisions for eligible applications.
Learn moreDental Practices
Dental practice loan alternatives and financing for general, specialty, and group practices. Equipment, technology, operatory build-out, practice acquisition, bridging insurance reimbursement. Revenue-based, same-day decisions for eligible applications.
Learn moreE-commerce & Online Retail
Ecommerce business loan alternatives and funding for Amazon FBA sellers, Shopify stores, Walmart Marketplace, and DTC brands. Inventory, ad spend scale, marketplace payout gap. Revenue-based, same-day decisions for eligible applications.
Learn moreElectrical Contractors
Revenue-based funding for electrical contractors — wire, panels, materials, payroll, and project mobilization. A merchant cash advance, not a loan; approved on deposits.
Learn moreFilm & Entertainment Services
Film production loan alternatives and entertainment industry funding for production companies, post-production, talent agencies, and entertainment services. Project funding, equipment, working capital. Revenue-based, same-day decisions for eligible applications.
Learn moreFood Trucks & Mobile Food
Food truck financing and loan alternatives for owner-operators, catering trucks, and small fleets with $50K+ annual revenue. Equipment, build-out, second-truck expansion, working capital. Revenue-based, same-day decisions for eligible applications.
Learn moreFranchise Businesses
Revenue-based funding for established franchisees — remodels, equipment, working capital, and additional units. A merchant cash advance, not a loan; approved on deposits.
Learn moreFreight Factoring for Trucking Companies
Freight factoring for owner-operators, small fleets and brokers - advances typically 90-97% at delivery instead of waiting 30-90 days. Not all applicants qualify.
Learn moreGas Stations & Convenience Stores
Revenue-based funding for gas stations and convenience stores — fuel, inventory, pumps, and tank compliance. A merchant cash advance, not a loan; approved on deposits, not credit.
Learn moreGovernment Contract Factoring
Factoring for government contractors — federal, state, and local. Advances of typically 85-90% on accepted invoices instead of waiting 30-90 days; Assignment of Claims handled. New awardees and set-aside firms welcome. Not all applicants qualify.
Learn moreGyms & Fitness Studios
Gym business loan alternatives and fitness studio financing for gyms, CrossFit boxes, yoga studios, and fitness operators. Equipment, build-out, expansion, working capital through slow seasons. Revenue-based, same-day decisions for eligible applications.
Learn moreHealthcare & Medical Practices
Medical practice loan alternatives and healthcare business funding for physician practices, specialty clinics, urgent care, and medical offices. Bridge insurance reimbursement, equipment, expansion. Revenue-based, same-day decisions for eligible applications.
Learn moreHome Health Care Agencies
Revenue-based funding for home health and home-care agencies — caregiver payroll, recruiting, and the Medicaid/insurance reimbursement gap. A merchant cash advance, not a loan; approved on deposits.
Learn moreHotels & Hospitality
Hotel financing and hospitality business loan alternatives for hotels, motels, boutique properties, and hospitality operators. PIP renovations, FF&E, working capital through low season. Revenue-based, same-day decisions for eligible applications.
Learn moreHVAC Contractors
Revenue-based funding for HVAC contractors — units, parts inventory, payroll, and trucks through peak and slow seasons. A merchant cash advance, not a loan; approved on deposits.
Learn moreIndependent Pharmacies
Revenue-based funding for independent pharmacies — drug inventory, the reimbursement gap, technology, and acquisition. A merchant cash advance, not a loan; approved on deposits.
Learn moreInventory Financing
Inventory financing and business inventory loan alternatives for retailers, e-commerce sellers, wholesalers, and product businesses. Fund seasonal buys, supplier minimums, restocking. Revenue-based, same-day decisions for eligible applications.
Learn moreInvoice Factoring & Receivables Funding
Invoice factoring and receivables funding for B2B businesses on net-30 to net-90 terms - staffing, freight, distribution. Not all applicants qualify.
Learn moreJanitorial & Commercial Cleaning Factoring
A cleaning factoring company for janitorial, commercial and carpet cleaning contractors. Advances of 85-90% on invoices so crew payroll never waits on net-60 clients.
Learn moreLandscaping & Lawn Care
Landscaping business loan alternatives and equipment financing for landscapers, lawn care, hardscaping, and irrigation contractors. Equipment, vehicles, seasonal working capital. Revenue-based, same-day decisions for eligible applications.
Learn moreLaundromats & Coin Laundry
Laundromat financing and loan alternatives for coin laundries, card-system laundromats, and multi-location operators. Equipment replacement, acquisition, modernization, card-system conversion. Revenue-based, same-day decisions for eligible applications.
Learn moreLaw Firms & Attorneys
Revenue-based working capital from $25,000 for law firms and attorneys. Cover payroll and case costs between settlements. Approved on revenue, not credit.
Learn moreLiquor Stores & Package Stores
Liquor store financing and business loan alternatives for package stores, wine and spirits shops, and beverage retailers. Inventory, seasonal stock-ups, renovation, acquisition. Revenue-based, same-day decisions for eligible applications.
Learn moreManufacturing
Manufacturing business loan alternatives and equipment financing for small and mid-sized manufacturers. Production equipment, raw materials, working capital, expansion. Revenue-based, same-day decisions for eligible applications.
Learn moreManufacturing Factoring & Receivables Funding
Invoice factoring for manufacturers, fabricators, and distributors. Advances of typically 80-90% at shipment instead of waiting on net-60/90 terms; PO funding available for pre-production costs. Not all applicants qualify.
Learn moreMarketing & Creative Agencies
Revenue-based funding from $25,000 for marketing and creative agencies. Front payroll and ad spend on net-term clients. Approved on revenue, not credit.
Learn moreMed Spas & Aesthetic Practices
Med spa financing and aesthetic practice loan alternatives for medical spas, aesthetic practices, and laser clinics. Devices, treatment rooms, injectables inventory, expansion. Revenue-based, same-day decisions for eligible applications.
Learn moreMedical Factoring & Healthcare Receivables Funding
Medical receivables factoring for practices, home health, therapy clinics, labs, and medical staffing. Advance against net collectible claim value instead of waiting 30-120 days on insurance, Medicare, and Medicaid. Not all applicants qualify.
Learn moreMoving Companies
Revenue-based funding for moving companies — trucks, crews, fuel, and peak-season scaling. A merchant cash advance, not a loan; approved on deposits.
Learn moreNursing Homes & Senior Care Facilities
Nursing home loan alternatives and senior care financing for skilled nursing, assisted living, memory care, and senior care operators. Bridge Medicare and Medicaid reimbursement, facility upgrades, expansion. Revenue-based, same-day decisions for eligible applications.
Learn moreOilfield Factoring & Energy Services Funding
Factoring for oilfield service companies — water haulers, sand haulers, roustabout crews, wireline, rentals. Advances of typically 85-95% on ticket-backed invoices instead of waiting 45-90 days on operators. Not all applicants qualify.
Learn morePest Control Companies
Revenue-based funding for pest control companies — chemicals, equipment, trucks, hiring, and route acquisition. A merchant cash advance, not a loan; approved on deposits.
Learn morePhysical Therapy Clinics
Revenue-based funding for physical therapy clinics — payroll, equipment, build-outs, and the reimbursement gap. A merchant cash advance, not a loan; approved on deposits.
Learn morePlumbing Contractors
Revenue-based funding for plumbing contractors — materials, fixtures, payroll, trucks, and equipment. A merchant cash advance, not a loan; approved on deposits.
Learn moreReal Estate Agents & Brokerages
Revenue-based funding from $25,000 for real estate agents and brokerages. Bridge between closings and fund marketing and growth. Approved on revenue, not credit.
Learn moreRestaurants & Food Service
Restaurant business loan alternatives and funding for restaurants, bars, cafes, and food service operators. Equipment, renovation, working capital through slow seasons, new locations. Revenue-based, same-day decisions for eligible applications.
Learn moreRetail
Retail business loan alternatives and retail capital for stores, boutiques, and small chains. Inventory, seasonal buys, store build-out, expansion, working capital. Revenue-based, same-day decisions for eligible applications.
Learn moreRoofing Companies & Contractors
Revenue-based funding for roofing companies and contractors — materials, payroll, equipment, and storm-restoration scaling. A merchant cash advance, not a loan; approved on deposits.
Learn moreSalons & Beauty Businesses
Salon business loan alternatives and financing for hair salons, nail salons, barbershops, spas, and beauty businesses. Build-out, equipment, expansion, working capital. Revenue-based, same-day decisions for eligible applications.
Learn moreSecurity Guard Company Factoring
Invoice factoring for security guard companies. Advances of typically 85-92% on posted-hours billing so weekly guard payroll never waits on net-60 clients. Not all applicants qualify.
Learn moreSolar Installers & Renewable Energy
Revenue-based funding from $25,000 for solar installers and renewable-energy contractors. Buy panels and cover crews before payout. Approved on revenue, not credit.
Learn moreStaffing & Recruiting Agencies
Funding for staffing companies and payroll financing while you wait 30-60 days on client invoices, including healthcare staffing. Not all applicants qualify.
Learn moreStaffing Agency Factoring & Payroll Funding
Payroll funding and invoice factoring for staffing agencies. Advances of typically 90-95% on timesheet-backed invoices so weekly payroll never waits on net-30 clients. New agencies welcome — approval rides on your clients' credit. Not all applicants qualify.
Learn moreTowing Companies
Revenue-based funding for towing companies — trucks and wreckers, fuel, payroll, and fleet expansion. A merchant cash advance, not a loan; approved on deposits.
Learn moreTrucking & Transportation
How to get funding for your trucking business — for owner-operators, small fleets, and trucking companies with $25K+ monthly revenue. Fuel, semi-truck repairs and down payments, payroll, fleet expansion, and working capital between broker payments. Revenue-based, approved on revenue not credit. Same-day decisions for eligible applications.
Learn moreVeterinary Practices & Animal Hospitals
Revenue-based funding for veterinary clinics and animal hospitals — equipment, staffing, build-outs, and supplies. A merchant cash advance, not a loan; approved on deposits.
Learn moreWarehousing, 3PL & Logistics
Revenue-based funding from $25,000 for warehouses, fulfillment, and 3PL companies. Cover payroll and space on net-term contracts. Approved on revenue, not credit.
Learn moreWholesale & Distribution Factoring
Invoice factoring for wholesalers, importers, and distributors. Advances of typically 80-90% at shipment instead of waiting on net-30/90 retail terms; PO funding available for supplier payments. Not all applicants qualify.
Learn moreFeatured: City + Industry Funding Pages
Targeted funding resources for specific industries in District of Columbia's top markets.
Towing Companies
Washington, DC
HVAC Contractors
Washington, DC
Roofing Companies & Contractors
Washington, DC
Electrical Contractors
Washington, DC
Browse all locations or industries we fund.
District of Columbia Funding Resources
District of Columbia Business Funding: Common Questions
All funding is subject to underwriting review. Information below is general guidance.
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