Get paid on your valuations, not 60 days later.
Labour and materials go out every week while main contractors pay on 30 to 60 day terms, hold retentions and query valuations. Specialist construction funders understand applications for payment, so you’re not stuck waiting.
- Specialists who understand applications, retentions and CIS
- For subcontractors working for main contractors
- Can grow with each new contract
Good contracts, and still waiting for your money.
Specialist funders can release cash from valuations while you wait.
Funding against applications for payment covers labour without stretching your overdraft.
Most standard funders don’t either. That’s why construction needs a specialist.
How invoice finance works for construction
Submit your application
Valuation or invoice to the main contractor as normal.
Share it with the funder
Specialists work from applications, certificates and invoices.
Cash released
Advance rates are usually lower than in other sectors, reflecting construction risk.
Contractor pays
You receive the balance, minus fees.
Why construction needs a specialist
Applications for payment
Many funders only fund final invoices. Construction specialists can work with valuations and certificates.
Retentions
Money held back until practical completion or the defects period. Some funders can fund it once it is due for release.
CIS and contra charges
Deductions and set-offs change what you actually receive, and specialists allow for them.
Business customers
Work for main contractors and commercial clients. Work for homeowners can’t be funded this way.
Is invoice finance right for your business?
Usually a good fit
- Subcontractors and specialist trades working for main contractors
- Commercial or public sector projects
- JCT, NEC or clear written contracts
- Limited company, ideally 12 months or more trading
Harder to fund
- Mainly work for homeowners
- Lots of disputed valuations or contra charges
- Very new businesses with no completed contracts
Not sure? That's what the call is for. If it isn't the right fit, your specialist will tell you and suggest what might work instead.
What happens after you enquire
Two minutes online
A few questions. We find your company on Companies House as you type.
A text from us
Straight away, with the name of the specialist who'll call you.
A short call
Usually within a working day. About 15 minutes on how your business trades.
Options in plain English
What is available, the full cost in pounds, and what they would need.
You decide
No obligation. Saying "not right now" is fine.
Questions from construction businesses
Some specialist construction funders can. Many general funders can’t, which is why we match you to a specialist.
Get paid for work you’ve already done.
Two minutes. Free. No hard credit check. One specialist, not ten calls.