Architectural Designs

We help our clients manage their contracts and take on new projects

Working in the construction industry means upfront labour and materials costs that often need to be paid before you get paid for the job. At the same time, you have the normal ongoing, day-to-day business costs to meet during the delivery of a project, which may take months or years to complete.

Long payment terms, late payments and uncertainty of what will be paid for completed works are some of the biggest challenges facing construction firms. 

If this sounds familiar, then Construction Finance can be one way to help you manage your cashflow and the day-to-day running of your business. 

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How Construction Finance can help your business

Construction funding is ideal for contractors and sub-contractors that have customers on long payment terms, who often pay late or only make partial payments for work completed.

Each can create a cashflow gap and make it difficult to meet costs through the various stages of a contract or take on more work. Construction Finance helps by giving you certainty over the funds you have available and releasing cash tied up in applications for payment and invoices raised at completion.

We support you by advancing cash against your applications for payment and invoices raised at completion. This allows you to meet your payment obligations throughout the various stages of a contract and take on more work knowing you have reliable funding in place.

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Is your business suitable for Construction Finance?

Your business could be suitable for Construction Finance if you:
  • Yes: are a contractor or sub-contractor working in the construction industry
  • Yes: raise applications for payment and completed works
  • Yes: work under a contract, framework agreement or Purchase Order
  • Yes: have to cover weekly wages and material costs
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Features and Benefits of Construction Finance


  • Access funding when an application for payment is submitted, rather than waiting for certification
  • Complete credit control service that chases and collects outstanding payments
  • Confidential process
  • We can provide Asset Finance and offer optional Bad Debt Protection and Foreign Exchange services
  • Track the application status for every contract you have, 24/7 through our online portal


  • Speed: access to cash within 24 hours of uploading customer billing into our online system
  • Experience: our Construction Finance team have been providing specialist finance for the construction sector since 2004
  • Support: we provide access to industry specialists, The Vinden Partnership who can review your contracts and offer additional advisory services
  • Control: manage your credit control and sales ledger
  • Personal: get to know our clients who value our relationship-based approach and our Service Promise
  • Convenience: check your funding at any time with our 24/7 Client Online service
  • Security: protect against customer insolvency with Bad Debt Protection
  • Confidentiality: confidential service so your customers won't know that you are using our service

In 2016 we funded £661 million of construction billing, protected £190 million of construction debt with our Bad Debt Protection solution and helped to save our construction clients over £860,000 with our Foreign Exchange service. Bibby Financial Services

How Construction Finance works

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Bill your customers

And send a copy to us

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We pay up to 100% of the value of your invoice

Within 24hrs, allowing you to pay your staff, suppliers and take on new orders


We collect payment on your behalf

Leaving you to focus on running your business


We pay you any remaining balances

Minus any agreed fees

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We help our clients by being discreet

If you do not want your customers to know how you’re funded or if you have reliable collection practices in place and would prefer to keep your credit control function in-house, we can offer a confidential service.

This means we do not tell your customers that you are using a finance facility and you maintain the relationship with your customers, without their knowledge of our involvement. It is always our intention to act in your best interest.

When it comes to your customers paying their invoices, to keep the process confidential even though the funds are paid to us, your customers make payments into a trust bank account in your name.