Construction is one of the most cash flow critical industries there is. You're paying for labour, materials and plant before a project is anywhere near finished, while your customer might not settle an application for payment for 60, 90 or even 120 days.
Invoice finance for construction releases cash against your certified and uncertified applications for payment, so contractors and subcontractors can keep projects, payroll and suppliers moving without waiting on the client.
Wages for direct staff, subcontractors and labour-only gangs need to be paid weekly, long before your customer settles the invoice.
Materials, plant hire and site costs keep increasing, putting pressure on already tight margins.
Winning new contracts is good news, but funding the labour and materials for a bigger project before you've been paid for the last one can stretch a business thin.
Main contractors and clients often push payment terms out further than agreed, especially on retentions and final accounts.
Plant and equipment breakdowns can stop a job dead, and repairs rarely wait for convenient cash flow.
We work across the whole invoice finance market, including specialist construction finance providers who understand staged billing, certified and uncertified applications for payment, and retentions, so you get a facility that actually fits how construction contracts work.
We arrange your construction finance for you, so you can stay on site and on programme.
We place you with the right funder first time, one who understands construction contracts, not just standard invoices.
We negotiate rates across our funder panel that are typically better than going direct to a single lender.
Funds can be released the same day against applications for payment, keeping wages and suppliers paid on time.
Often better value than an overdraft, especially once you factor in the value of never missing a payroll run.
Easy to use online systems mean you can submit applications and draw funds without complicated paperwork.
Your facility scales as your contract book grows, so winning bigger projects doesn't mean a cash flow crisis.
Please contact us if you cannot find an answer to your question.
Yes. Specialist construction invoice finance goes further than standard facilities, releasing cash against both certified and uncertified applications for payment, reflecting how staged construction contracts actually work.
Confidential facilities exist specifically so your client relationships are protected, with collections handled in a way that's invisible to your customer.
It's often more cost effective once you weigh up the flexibility, the speed of funding and the fact that your facility grows with your turnover, rather than being capped like an overdraft.
Specialist construction funders understand retentions and staged billing and can structure a facility around them, rather than applying a one-size-fits-all approach designed for simple invoices.
Whether you're a main contractor or a subcontractor, and no matter how long you've been trading or which trade you work in, if you're raising applications for payment or invoices and waiting weeks to be paid, invoice finance can give your business fast, flexible and secure access to the cash it needs.
Get in touch for a free, no obligation comparison of construction invoice finance options tailored to your contracts.
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Simply Invoice Finance is a trading style of Goodman Corporate Consultancy Limited, an independent commercial finance broker, not a lender. As such, we can introduce you to a wide range of finance providers depending on your requirements and individual circumstances. We are not independent financial advisors and are unable to provide independent financial advice. We typically receive payment or other benefits from the finance provider if you decide to enter into an agreement with them.
Goodman Corporate Consultancy Ltd is authorised and regulated by the Financial Conduct Authority, No. 733340.