Applications for payment, retentions and CIS deductions make construction the most specialist corner of invoice finance. Generalist lenders won't touch it; we work with those who do.
A specialist M&E sub-contractor turning over £5m typically draws c. £290k a month against applications for payment, with a separate retention line releasing a further £150k of tied-up cash.
The specifics that make or break a facility in this sector.
Funded against signed AFPs and certified valuations, not invoices. Only a handful of UK lenders structure this properly.
Retentions of 3 to 5% held for 12 to 24 months can be advanced upfront via a dedicated retention facility, freeing up cash for the next project.
Specialist lenders handle CIS deductions inside the facility, so the funded balance matches what actually lands in your bank.
Tier-1 contractor concentration is normal in construction; specialist lenders price for it rather than blocking it.
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What's your invoice worth?
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We benchmark your facility across a panel of specialist invoice finance and revolving credit lenders, and match you with the ones whose appetite fits construction (cis). You get whole-of-market access from one conversation, at no cost to you.
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Yes, through specialist construction-IF lenders. Most generalist providers can't structure AFP funding properly.
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