FCA Authorised
·
Decisions from 4 hours
·
No credit score impact to enquire
·
No hidden fees
·
UK SMEs · Human support
Construction Finance

Finance built around how construction actually pays

Construction businesses carry costs months before they see payment. We fund the gap — from mobilisation to retention release.

Materials and labour paid upfront, cash received 60–90 days later
Retentions held for 6–24 months after practical completion
Mobilisation costs on new contracts before a single invoice is raised
£2M+
Largest facility
6mo
Longest retention bridged
48hrs
Typical funds time
The cash-flow problem

You build it. You wait months to be paid.

Materials & labour costsPaid upfront before any work is certified
Cash out now
Application for paymentSubmitted, then certified 14–28 days later
Waiting
Payment receivedNet 30–60 days from certification
Still waiting
Retention releaseFinal 5% held 6–24 months post-completion
Cash locked

Construction is one of the most cash-hungry sectors. You buy materials, pay subcontractors, and cover plant costs today — but applications for payment take weeks to certify, and retentions sit locked away until defects periods expire.

Relevant products

Finance matched to how construction businesses operate

Invoice Finance

Most popular for contractors

Up to 90% of certified applications for payment released within 48 hours. Works with JCT and NEC contracts.

Check eligibility
Unsecured Loan

New contract mobilisation

Fund mobilisation costs — plant hire, first materials, temporary workforce — without pledging assets.

Check eligibility
Asset Finance

Fleet & plant

Spread the cost of excavators, scaffolding, tipper trucks or specialist kit across its working life.

Check eligibility
Common scenarios

Where construction businesses use us

01

Mobilising a new contract

Just won a £500k groundworks contract? We fund mobilisation so you can start without draining reserves.

Invoice Finance
02

Bridging a retention

Completed a fit-out 14 months ago. The final 5% retention keeps getting extended. We release it now.

Invoice Finance
03

Emergency cash-flow gap

A disputed application has stalled. We bridge the gap while you resolve it.

Working Capital
04

Fleet replacement

Upgrade ageing plant eating into margin. Asset finance without six figures upfront.

Asset Finance
Real construction business

What our clients say

""We had £180,000 in certified invoices sitting unpaid while the main contractor ran their payment cycle. Capital24-7 had invoice finance arranged in three days. It saved two contracts.""

RB
Rob B.
Groundworks subcontractor, Midlands
Released within
72 hrs
Ready to get started?

Let's find the right funding for your business

No credit check. No commitment. A clear picture of your options, explained honestly.

Apply Now Speak to us