ABR First Capital, LLC pays accredited investors 10–11% APR monthly from short-term government contract receivables — backed 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 both the contractor and the contracting government agency direct payment of those invoices to us under binding assignment agreements.
The income we pay investors is driven by the contractual payment obligations of federal, state, and local government agencies rather than by stock or bond market performance. Government agencies are among the most creditworthy payors available, though every investment carries risk.
Every contractor is rigorously vetted before we advance a single dollar against their invoices.
Interest is paid on the 1st of each month by check or ACH — simple, predictable income with 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. Across 30+ years of continuous operation, government agencies have honored the invoice payments assigned to us. That track record is the foundation of our security model, though past collections do not guarantee future payment.
Every invoice in our portfolio is payable by a US federal, state, or local government agency — among the most creditworthy counterparties available. Across more than 30 years, these agencies have honored 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 support repayment of every invoice we finance.
Operating since 1995, InvestABR has delivered consistent monthly payments to investors through multiple economic cycles — including recessions, market crashes, and global uncertainty.
Interest arrives every month — not at the end of a multi-year lock-up. And your rate never steps up or ramps: unlike note programs built on escalating schedules, where the headline rate only arrives in the final year, you earn your full contractual rate from the very first payment through maturity.
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 comments below were posted publicly by investors on our Facebook page and are quoted with their permission, in their own words. Some are excerpts; nothing has been reworded. They describe those individuals' own experiences and are not necessarily representative of any other investor's. They were not solicited or paid for. Past payment history is not a guarantee of future payments. The notes are general unsecured obligations of ABR First Capital, LLC; the stated 10–11% figures are contractual note terms, not projected or guaranteed returns. All investments involve risk, including loss of principal.
Frank is very knowledgeable and professional. I had numerous questions regarding the note, return, and the funding arrangement. He took the time to answer all questions and explain all details.
Been with Frank and ABR for over 4 years. They are a great organization providing financing for government approved projects and helping small minority or female based businesses do business with the Federal Govt. I have always received my interest income monthly with never an interruption. He always responds when I have a question very quickly.
My experience with ABR over the past 2 years has been wonderful, and it has been an excellent investment providing solid and consistent returns and a reliable source for passive income. Frank is great to work with and always there if you have any questions.
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.
Ron co-founded Capital Active Funding, Inc. and was appointed Vice-President in 1995. He brought over 40 years of leadership in marketing operations, beginning his career with Philip Morris and later serving as Vice-President of Sales, Central Division at Dole Corporation. A respected company turnaround specialist, Ron worked independently for 25 years. He holds a BS from Kent State University and served two years in the U.S. Army.
Lee's mortgage finance career began in 1970, including serving as Administrator for Patriot Mortgage Co. of El Paso, with a deep background in real estate and underwriting. He founded ABR Capital Funding, Inc. and has served as its CEO since inception. Lee holds a Degree in Finance from Stanford University (1969) and an Associate Degree from the School of Mortgage Banking at Northwestern University.
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.
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 backed by ABR's portfolio of legally assigned government invoices. Both the contractor and the government agency legally assign their payment rights to ABR for each transaction. The notes themselves are general obligations of ABR First Capital, LLC. 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.
Because we legally own the invoice — not just a claim on it — and because the government contracting authority has assigned payment directly to ABR under the Assignment of Claims Act, the government's payment obligation runs to ABR and is designed to continue regardless of the contractor's financial status. This structure is intended to keep ABR outside the contractor's bankruptcy estate. 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. Legal outcomes in any specific insolvency depend on the facts and applicable law.
In 30+ years of operation, no investor funds have been garnished by the IRS. At the client (contractor) level, there was one IRS garnishment instance in that time, and 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 and wind down exposure early. Past experience does not guarantee future outcomes.
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.
Ready to invest? The fastest path is the application — it takes two minutes, and your Private Briefing is delivered the moment you submit.
6044 Gateway Blvd E, Suite 544, El Paso TX 79905 fmb@investabr.com 1-833-845-4644 (toll-free) (915) 772-6333