Invoice financing for construction
Invoice financing for construction — don't wait for the main contractor's payday
In construction, 60–90 day payment terms are the norm. With invoice financing you get 90–95% of the invoice the moment it's approved — and you can pay subcontractors, materials and wages on time.
See how much you get from your invoices
Adjust the invoice amount and payment term. We show the money to your account today and the fee estimate.
To your account today (net)
€49,510
- Financing (100 %)
- €50,000
- Fee (0.98 % / 30 days)
- €490
Money in your account the same day
Why a construction company benefits from invoice financing
In construction, cash conversion is everything — if materials, rents and wages leave your account before the main contractor pays, the site stops. Invoice financing closes that gap and turns every sent invoice into near-immediate cash.
Cash in 1 day even when the main contractor pays in 60–90
Finance both final invoices and milestone billings
Pay subcontractors and wages on time without a short-term credit line
No encumbrance on equipment, property or corporate mortgages
Limit scales with your order book — grow without waiting for the bank
Credit check is on the buyer, not on you — smaller companies qualify too
Typical use cases — construction companies
Subcontractor on a large site
An HVAC, electrical or carpentry crew works for a large main contractor. One €80,000 invoice waits 75 days — with invoice financing it's cash tomorrow.
Earthworks and excavation
Earthworks are billed in milestones. Fuel, machine rentals and operator wages don't wait for the customer's payday — we finance each milestone separately.
Building services contracting
A renovation HVAC or sprinkler job drags on and milestones spread across months. Invoice financing covers materials and labour without stretching the bank line.
Industry pain points and how invoice financing solves them
Long payment terms from buyers
Challenge: Main contractors' 60–90 day terms tie up hundreds of thousands at a time.
Solution: We finance the invoice as soon as it's approved — 90–95% advance the same banking day.
Wages and payroll taxes are monthly
Challenge: Wages and employer costs don't flex even if the customer is late.
Solution: Predictable cash flow ensures wages and the tax office are paid on time.
Seasonal order book
Challenge: Summer brings a full order book and matching expense peaks ahead of the income.
Solution: The limit grows with the order book — more in summer, less in winter.
Complaints and retentions
Challenge: Buyers often retain 5–10% until the end of the warranty period.
Solution: We finance the undisputed share in full — the retention is handled as a separate slice without hurting cash.
Bank line runs out as you grow
Challenge: When the order book doubles, the bank line doesn't scale at the same pace.
Solution: Invoice financing scales with revenue — the limit follows sales automatically.
Single-buyer payment default
Challenge: One large main contractor going late can take down the subcontractor.
Solution: In a non-recourse model the credit loss sits with us — you get paid even if the buyer defaults.
Is invoice financing right for construction companies?
Right for you if…
- Subcontracting for main contractors or public buyers
- Civil or building services work
- Payment terms of 30–90 days tie up cash
- Fast-growing company with a full order book
- Revenue €200,000 – €10M
May not fit if…
- Pure consumer (B2C) renovation work
- Small cash jobs
- Buyers with poor credit
Frequently asked questions
Start construction invoice financing today
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See also: Invoice financing · For SMEs · What is factoring? · Pricing