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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.

Plant and equipment

Equipment finance may suit an excavator, access equipment or workshop machinery. Include transport, maintenance and attachments in the budget.

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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.

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Contract mobilisation

Working capital borrowing may support defined upfront costs. Show which project receipts will support repayments if certification or payment is delayed.

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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.

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.

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