Construction Funding
Over two decades of expertise in providing specialist finance and support to construction companies to build working capital and ease cashflow finance
Construction is a highly complex, cashflow critical industry based on access to raw materials, supply chains and skilled labour. With rising costs, supply chain blockages and skills shortages putting pressure on delivery, having the financial flexibility and confidence to fulfill secured contracts has never been more important.
If you are looking to re-finance or invest in new machinery or equipment to support your business we can help through our Asset Finance solutions. If your purchases involve overseas trading then our Foreign Exchange services support trading in the majority of currencies and with 0% deposit on forward contracts.
To support cashflow, we provide flexible funding designed specifically for construction businesses. You can access funds through the various stages of your contracts by unlocking cash tied up in unpaid invoices. We fund applications for payment (both certified and un-certified) and invoices raised at completion. This injection of funds in advance of receiving customer payment helps you to place orders earlier, pay suppliers upfront and take on new contracts with confidence you have the cashflow you need to support it.
-- To learn more, watch our short video
Construction trends and challenges
Construction is facing significant pressure across costs, payments and delivery. In our 2026 Q1 SME Confidence Tracker, we found that 58% of UK construction SMEs now expect customers to pay late. In addition, 64% say large customers knowingly take advantage of late payment practices. When so many construction businesses need to take on extra workers and pay for materials up front to deliver secured contacts, this puts pressure on cashflow. Construction businesses are particularly exposed to non-payment. Our 2026 Trading Places report showed 26% reported an increase in customer insolvency over the past 12 months. With payments potentially delayed or never received, solutions that support cashflow while protecting against bad debt have never been more important.
Construction Finance and Bad Debt Protection help to ease these challenges and provide the peace of mind needed to deliver contracts efficiently and support long-term growth.
For an on-the-go view of our Construction Finance, you can download the guide below:
What our construction clients say
We support a range of construction clients, from housebuilding and refurbishment to maintenance, fitting and installation.
Castell Group Ltd
“I found Bibby Financial Services to be very pragmatic, proactive, and solution-oriented, especially in a challenging time. It was clear that they had a deep knowledge of the construction industry and took the time to understand our business model.”
Advance PM
“BFS were vested in my business and the Construction Finance team had substantial expertise in the sector. They operated in the utmost professionalism and a funding line was structured for us in the space of five days.”
Kaboodle
“Unlike more traditional funders, BFS has a refreshing approach to funding SMEs in the house-building sector. It was an obvious fit for us as BFS is well versed in the construction sector with an astute view of the whole market. This, combined with the relationship-based approach, has enabled our business to continue to grow without cashflow stagnation."
Industry partnerships
We are partnered with the Federation of Master Builders (FMB), a UK trade association that protects the interests of small to medium-sized building firms. The FMB is the largest construction trade association in the UK, representing over 6,500 construction SMEs and an estimated 42,000 builders.
Our partnership with the FMB helps us to stay connected to developments across the sector and ensures our approach to funding reflects the current realities construction businesses are dealing with.
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Built specifically for construction workflows
We understand construction doesn’t operate like standard invoicing. That’s why we:
- Fund applications for payment (AFP) – not just invoices
- Support certified and uncertified payments
- Handle staged billing, retention and final accounts
Businesses can access funds within 24 hours of submitting invoices or applications for payment and usually access up to 85% of their contract value upfront. Combined with our deep construction expertise and flexible funding structures, thissupports business growth and scaling, with funding lines thatgrow alongside you.
Why Bibby Financial Services?
- One of the UK’s largest independent SME funders
- Over 40 years’ experience supporting SMEs and over 20 providing specialist construction finance
- Fund certified and uncertified applications for payment, not just invoices
- Understand staged billing, retentions and final accounts
- Working capital for materials, subcontractors and additional labour upfront
- Funding to complete secured contracts and take on new projects
- Bad Debt Protection against customer insolvency and non-payment