Contractors on-site

What is Construction Finance?

Funding designed for the construction industry

Construction Finance is a specialist funding and support solution designed for contractors and subcontractors who provide construction services under a contract, framework agreement or Purchase Order. It provides funding by advancing cash against the value of invoices raised on the completion, or part-completion for staged contracts, of work carried out.

As a Bibby Financial Services client, you can access that funding at the point an Application for Payment is submitted. This means you can have certainty over what funds you have available, and in place, for the duration of any contract. With the confidence of a healthy cash flow and an on-going source of working capital you can win, and complete, contracts without the burden of loan or credit card repayments or restrictive overdrafts.

Construction Finance explained

Construction Finance provides you with certainty over the funds you have available, helping you to manage your projects and take on new ones.

To find out how it works and how it can help your business, watch our short, jargon-free, video.

Download a guide to Construction Finance

How does Construction Finance work?

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Application For Payment

Raise your invoice and upload the details using our secure Client Online portal

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Access your funds

Within 24 hours you will be able to access your funds

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We collect on your behalf

Our collection service is completely confidential and very discrete

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We pay you the remainder

Minus our fees as agreed with you in advance

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Can Construction Finance help my business?

Designed to help your business grow

Because Bibby Financial Services understand the unique characteristics of the construction sector, as well as the needs of contractors and subcontractors with customers on long payment terms making partial payments for work completed, Bibby Financial Services can help your business if:

  • You are a contractor or sub-contractor working in the UK construction industry
  • You raise an Application for Payment for part or completed works
  • Work under a contract, framework agreement or Purchase Order
  • You want to maintain a healthy cash flow to build working capital

In 2018 alone, Bibby Financial Services provided funding agreements ranging from £15k to £6.5m, lending in excess of £400m.

Apply today

Construction Finance key facts

Key features of Construction Finance and the benefits you can get working with the UK's leading alternative business finance provider for the construction sector. Bibby Financial Services has been helping contractors and subcontractors grow since 2004.


  • Access funds when you submit an Application for Payment, rather than waiting for certification
  • Log your invoices using an online portal, anytime, anywhere
  • Complete credit control service that collects your outstanding invoices
  • Opt for our confidential service to maintain long-standing customer relationships
  • Track the status for every contract you have, 24/7 via an online portal
  • We can also provide Asset Finance and offer optional Bad Debt Protection and Foreign Exchange services


  • Speed: Access to cash within 24 hours of uploading your invoices onto our online portal.
  • Experience: Our team have been providing specialist finance to the construction sector since 2004.
  • Control: Manage your credit control and sales ledger.
  • Convenience: Check your funding at any time, 24/7 using our online portal.
  • Security: Add protection against customer insolvency with Bad Debt Protection.
  • Confidentiality: Confidential service so your customers won't know you are working with us.
  • Support: Access to industry specialists Gateley Vinden, who can review your contracts and offer additional advisory services.