01
Payment lag
Match the term to certified applications, expected payment dates and any history of deductions or disputes.
Construction
Capital that keeps the project moving.
Funding for contractors, subcontractors and the wider trades. Built for the cash-flow gap between certified work and receivable, the deposit on materials, the next phase payroll.
£5k – £5M
Funding range
3 – 24 mo
Repayment terms
File dependent
Review timing
Before choosing funding
Bridge certified work without hiding project risk
A useful facility should follow the commercial cycle it is paying for. These are the details worth testing before comparing offers.
02
Retention
Treat retention as later cash, not working capital available to repay a short facility today.
03
Contract concentration
Show how the business performs if one principal contractor delays or reduces the next payment.
What to prepare
Having these ready makes the first review more useful and reduces avoidable follow-up.
- Applications for payment and certificates
- Current order book
- Aged debtor and creditor lists
- Project-level cost-to-complete schedule
Questions worth asking
Use these to compare the repayment structure with the way your business earns cash.
- 01Is the work certified or only forecast?
- 02Who bears material-price changes?
- 03What other facilities are repaid from the same contract receipts?
Construction cash flow is a sequence of staged receivables, retentions and supplier deposits. A facility matched to certified work, supplier timing and the order book can help keep a programme moving.
We work with main contractors, subcontractors, civils and trades across the UK. Underwriting reads the order book, retention release schedule and applications for payment, not just historic accounts.
Typical use cases
- Materials deposit and supplier orders
- Bridging certified applications for payment
- Plant and machinery hire deposits
- Subcontractor payroll between draws
- Mobilisation costs on new contracts
- Bonding and retention release
Useful reading
Go deeper before you decide.
Practical guide4 min read
Working capital loans in the UK: the operator's guide
Working capital finance covers the gap between money going out and money coming in. Here's how UK operators use it well.
Practical guide7 min read
Invoice finance UK: factoring vs discounting explained
How factoring and invoice discounting actually work in the UK, cost shapes, eligibility, and when each is the right structure.
File based
Review timing
£5k–£5M
Facility size
Explained
Search process
Clear
Written terms
Funding most suited to construction
Merchant cash advance
Advance against future card receipts. Repay as a small share of daily settlements.
Learn moreRevenue based financing
Repayments calibrated to top-line cash receipts. Eases in quieter months.
Learn moreTerm business loan
Fixed monthly repayments over 3 to 24 months for planned investment.
Learn moreFrequently asked
Do you fund subcontractors as well as main contractors?
Yes. We work across the tier, main contractors, subcontractors, civils and trades.
Can you bridge a certified application?
Yes. Short-dated bridging against certified work is a common use for term and unsecured facilities.
What about CIS sole traders?
We primarily fund UK limited companies and LLPs. Sole trader CIS contractors will need to discuss directly.
Will retention schedules count toward eligibility?
Forward receivables, including released retention, are factored into the underwriting view.
When the bank says no, we take a closer look.
Start with a short initial enquiry. If a credit search is needed later, it will be explained first.
Check eligibility