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Gov’t Contract
Financing.

Structured financing for businesses with awarded federal and state contracts — closing the capital gap between contract award and first payment so you can perform without waiting.

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25K+
Verified contractors registered on BMRegistry — the primary pipeline for contract financing
30–90
Days — the average federal payment delay that leaves contractors undercapitalized after award
$50B+
In facilitated transaction volume through the yieldOS capital pipeline
The Capital Gap Problem
Thousands of small businesses win federal contracts every year and then struggle to perform because the government pays 30 to 90 days after delivery — not before it. The contract is won. The capital is not there yet.
Traditional Lenders Fall Short
Banks are slow, collateral-heavy, and unfamiliar with government receivables. By the time a traditional lender approves financing, the contract performance window has already passed — or the opportunity is gone entirely.
The Baron Meddy Solution
We provide structured financing against awarded contract receivables — embedded through BMRegistry and deployed through the yieldOS capital pipeline — so contractors can move from award to execution without waiting for payment.
How It Works

From contract award
to capital in hand.

Win government contracts on BMRegistry
Step 01 — BMRegistry
25,000+ Verified Contractors
Step 01

Win and verify your
government contract.

The process begins on BMRegistry — our government procurement intelligence platform. Contractors use BMRegistry to identify federal and state contract opportunities, prepare competitive bids, and track contract award status. Once a contract is awarded, it is verified and registered within the BMRegistry system, creating the documented receivable that forms the basis for financing.

  • Federal and state contracts across all major procurement categories
  • Contract award verification and documentation within BMRegistry
  • 25,000+ verified contractors already registered and active
Visit BMRegistry
yieldOS KYC and underwriting
Step 02 — yieldOS
Step 02

KYC intake and
credit underwriting.

Once your contract is verified, your financing application enters the yieldOS pipeline. Our team conducts KYC verification, reviews the contract terms and receivable structure, and performs credit underwriting to assess the strength of the receivable and the contractor’s performance capacity. This is institutional underwriting — structured, documented, and thorough — not a quick approval based on a credit score alone.

  • KYC verification and business entity review
  • Contract receivable assessment and risk structuring
  • Financing terms structured around your specific contract profile
Learn about yieldOS
Capital deployed to contractor
Step 03 — Capital Deployment
Step 03

Capital deployed.
Contract executed.

Once underwriting is complete and financing terms are agreed, capital is deployed through our institutional partner network. You receive the working capital needed to mobilize your team, purchase materials, and begin contract performance — without waiting 30 to 90 days for the government to pay. When payment arrives from the contracting agency, repayment of the financing facility is processed through the yieldOS repayment infrastructure.

  • Capital deployed against the awarded contract receivable
  • Repayment structured around government payment cycle
  • Managed through yieldOS — full transparency throughout
Start your application
Who Qualifies

Built for contractors
who have already won.

Government contract financing through Baron Meddy Financial is available to businesses that have been awarded a federal or state contract and need working capital to perform. The contract is the asset — not your balance sheet.

Federal Contract Awardees

Businesses with awarded contracts from federal agencies — including DoD, GSA, HHS, DHS, and other major contracting authorities. Contract must be fully executed with a defined scope, value, and payment schedule.

Eligible
State & Municipal Contractors

Businesses holding awarded contracts from state governments, county agencies, or municipal authorities. State-backed receivables are accepted through the yieldOS underwriting pipeline.

Eligible
Subcontractors on Prime Awards

Subcontractors operating under a prime contractor with a verified federal or state award. Financing is structured against the subcontract receivable with appropriate documentation of the prime award.

Case-by-case review
8(a), WOSB & SDVOSB Firms

Small businesses operating under SBA-certified set-aside programs — including 8(a) Business Development, Women-Owned Small Business, and Service-Disabled Veteran-Owned Small Business — are eligible for financing against qualifying contract awards.

Eligible
Multi-Contract & Repeat Performers

Contractors managing multiple simultaneous contract awards or recurring task orders who require a revolving financing facility rather than a single-contract advance. Structured across your full contract portfolio.

Portfolio structures available
Not Yet Eligible?

If you do not yet have an awarded contract, start with BMRegistry to identify opportunities and ScoreStride to build the business credit profile that strengthens your financing application when the award comes.

Build your pathway first
“The government doesn’t pay you when you win the contract. It pays you when you finish it. Baron Meddy bridges that gap.”
Baron Meddy Financial — Gov’t Contract Financing
30–90
Day average delay between contract delivery and federal payment
25K+
Verified contractors on BMRegistry eligible for embedded financing
100%
Contract-backed — every financing facility is structured against a verified, awarded receivable
Platform Integration

Powered by two platforms.
Delivered as one.

Government contract financing at Baron Meddy Financial is not a standalone product. It is delivered through the intersection of two purpose-built platforms — BMRegistry for contract intelligence and verification, and yieldOS for structured capital deployment. Together, they form a seamless pipeline from contract award to funded execution.

BMRegistry
Platform 01
BMRegistry
Government procurement intelligence & contract verification
yieldOS
Platform 02
yieldOS
Capital markets infrastructure & structured financing deployment
01
Contract Originates on BMRegistry
The contractor identifies, bids, and wins a federal or state contract through BMRegistry. The award is verified and documented within the platform, creating the receivable that underpins the financing facility.
02
Receivable Enters the yieldOS Pipeline
The verified contract receivable is submitted into yieldOS for KYC review and credit underwriting. Institutional capital partners review qualified receivables through the yieldOS marketplace for potential financing.
03
Capital Deployed. Repayment Managed.
Once financing is approved, yieldOS manages the full capital lifecycle — disbursement to the contractor, ongoing monitoring during contract performance, and structured repayment when the government pays.
04
Yield Distributed to Capital Partners
On the institutional side, accredited investors and qualified capital partners receive structured yield on the government-backed receivables they fund — making this a two-sided marketplace with institutional infrastructure on both ends.
Get Started

You’ve won the contract.
We’ll fund the execution.

Tell us about your awarded contract — agency, value, timeline, and what you need to perform. Our team will review your situation and respond within one business day.

Apply for financing Visit BMRegistry