Plant and equipment
Equipment finance may suit an excavator, access equipment or workshop machinery. Include transport, maintenance and attachments in the budget.
Explore this option →FINANCE FOR YOUR SECTOR
Construction Finance
Labour, materials and plant often need paying before a construction project produces cash. Explore finance around your actual payment schedule, rather than the headline value of the order book.
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Fund the job without overlooking the payment chain
A new contract can increase turnover while putting pressure on cash. Mobilisation, subcontractor payments and supplier deposits may arrive before the first certified payment. Keep retentions and disputed variations separate from money you can confidently expect to collect. A project forecast should sit alongside other live jobs and existing finance commitments.
Accepted business invoices
Invoice finance may help with eligible debts after work is completed. Applications for payment, uncertified amounts, set-off rights and retentions need separate assessment.
Explore this option →Contract mobilisation
Working capital borrowing may support defined upfront costs. Show which project receipts will support repayments if certification or payment is delayed.
Explore this option →Information to prepare
Prepare signed contracts, a project-by-project cash forecast, certified valuations, debtor ageing and plant quotations. Explain dependence on a main contractor and any contractual restrictions on assigning invoices. Funding approval does not replace checks on contract terms.
Compare the full cost against the contract margin
For borrowing, compare interest, arrangement fees, repayment dates and any security or personal guarantee requirements. For invoice finance, ask about service fees, funding charges, minimum fees and which debts are excluded. For equipment finance, check the deposit, total repayments and any final payment.
Test the forecast against delayed certification or a late main-contractor payment. A facility should leave enough room for wages, suppliers and other live projects; its headline advance alone does not show whether the contract remains profitable.
Your questions answered
Can construction retentions be financed?
They should not be treated as ordinary eligible invoices. Their release conditions and timing need specific assessment, and a provider may exclude them from the available facility.
Discuss your construction funding requirement
Tell us what you need to fund, when you need it and how you plan to repay. Availability and terms depend on the provider’s assessment.
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Finance is subject to eligibility, status and lender terms. Security or a personal guarantee may be required.