The US government has pledged nearly $30 billion to restore America's highways, bridges, schools, federal buildings and sewer systems. This presents the construction factor with a unique opportunity. There are several tools that mitigate risk. The factor must begin the process by tuning up its backroom and reviewing its policies and procedures. The five Cs of credit (Character, Capacity, Capital, Collateral and Conditions) have always been important in evaluating potential clients. In the contractor-factoring arena there are actually six Cs, the sixth being Controls. Due to the sheer volume of money available for construction projects, the highest-quality firms may be at capacity, which might lower the number of available contractors with an acceptable credit score. The contractor's capacity to perform the work is also very important in deciding whether to commit to factoring the project. Determining the amount of credit issued to a contractor is a very important step in the process.