Get paid for the work
you've already done.
Projects finish. Payments don't, not for another 30, 60 or 90 days, and longer once retentions are factored in. Release up to 80% of an approved invoice's value immediately, so wages, materials and subcontractors never wait on a client's payment terms.
Get a Same-Day Assessment Call Us: 020 3617 2021
Built for how construction actually gets paid
No sector feels the gap between finishing the work and getting paid for it quite like construction. Wages, materials, plant hire and subcontractor invoices all fall due immediately. Payment for the job itself can be months away. Selective invoice finance is built around exactly that timing gap.
Who this suits
- Subcontractors working staged or interim payment terms
- Main contractors managing their own supply chain's cashflow pressure
- Businesses invoicing against payment certificates (JCT/NEC-style contracts)
- Firms taking on a larger or longer contract than usual reserves comfortably support
- Seasonal ramp-ups in labour, plant and materials
What you get
- No hidden costs: no set-up fees, no arrangement fees, nothing in the small print
- No monthly minimums: fund one invoice or fifty, with no minimum volume to commit to
- Total flexibility: choose which invoices to fund and when, with no long-term contract or termination charges
- Funds released immediately once an invoice is approved
- A dedicated account manager who understands construction payment cycles
Your customer does not need to know
The most common reason a subcontractor rules out invoice finance is the worry that the main contractor will find out and draw the wrong conclusion from it.
On a confidential facility we do not approach your customer at all, not even to verify the invoice. We verify from your own paperwork, your relationship with them carries on exactly as it did, and there is no extra cost for the arrangement. Whether a confidential facility suits a particular contract is decided case by case, and we will tell you which way we are proposing to do it before anything is signed.
An honest word on retentions and contract terms
Construction finance isn't always a straight swap for every invoice. Retentions (typically 2.5 to 5% held back until practical completion or the end of the defects period) reduce the amount available to fund, and some standard-form construction contracts include clauses restricting assignment of payment. It's worth checking your contract terms before applying, and our team will always check this with you upfront rather than after the fact. It's not a substitute for managing retentions or contract risk generally, but for the day-to-day gap between raising an application for payment and it clearing your bank account, it's built exactly for that problem.
Ready to talk?
Tell us about your current contracts and payment terms and we'll let you know, honestly, whether selective invoice finance fits, and how much you could release. No obligation, no cost to find out.
Same-day assessment, no obligation
Speak to our construction finance team today.