Industries · Construction & trades
The work is signed off. The payment is still two months out.
Crews, plant hire and materials are paid as the job runs. The main contractor or developer pays 45 to 90 days after the valuation is certified. We buy the certified invoice and pay you now.
The problem
Construction has the longest payment chain in business.
Money moves down from the developer one tier at a time, and every tier holds it a little longer. The subcontractor at the bottom funds the entire chain.
Up front
Labour, plant and materials
Wages, hire charges and merchant accounts are settled while the work is being done, not when it is paid for.
After certification
Valuation then payment
The work has to be measured, certified and approved before the payment clock even starts running.
The next project
Capacity you cannot commit
With cash tied up in a live site, the tender for the next one is a risk you cannot take.
Your use cases
Where contractors and subcontractors run out of cash.
Every case below is funded the same way, by buying the invoice outright. Nothing changes in how you sell or who you sell to.
01 · Liquidity
Funding certified valuations
We buy the invoice raised against a certified valuation for work already completed, so the site is funded by the work it has delivered.
02 · Growth
Starting a second site
Running two projects at once doubles the working capital need before either one pays. Funding the first site pays to mobilise the second.
03 · Supply
Paying merchants and plant hire on time
Material suppliers price better for contractors who settle promptly. Liquidity turns into a lower cost base on every job.
04 · Labour
Covering the weekly wage run
Crews and subcontracted trades are paid weekly regardless of where the main contractor is in its approval cycle.
How it works
Approved once, then it simply repeats.
Setup is a one-time review of your business and your customers. After that, funding an invoice is routine.
01 · Ledger
Submit the invoice
You send us the invoices you want funded, for goods or services you have already delivered.
02 · Diligence
We verify
We check the invoice and the credit standing of the customer behind it. Approval is a one-time setup, then it repeats.
03 · Purchase
We buy and pay
We purchase the receivable outright and pay you for it. It is a sale, not a loan, so nothing is added to your debt.
04 · Settlement
Your customer pays us
Your customer settles on their normal terms. You pay a fee on the invoices you sell and nothing on the ones you keep.
Structure
True sale
Speed
Days, not months
Pricing
Per invoice sold
Collateral
No personal guarantees
What it unlocks
What changes once the ledger is funded.
01
Cash at certification
The gap between sign-off and payment stops being yours to carry.
02
Tender for more work
Take the next contract without waiting for the current one to settle.
03
Better merchant terms
Paying suppliers on time lowers what the materials actually cost you.
04
Wages that never slip
The weekly run is funded by the work, not by whoever paid last.
Who qualifies
What we look for in a business like yours.
Other industries