FINANCE OPTIONS

^Construction Invoice Finance - Get a Quote Today

Q: What amounts can be funded with construction invoice finance?

Facilities usually range from £10,000 to £2,000,000 for construction businesses. The exact amount offered depends on your outstanding invoice values, annual turnover, and the reliability of your clients or debtors.

Q: How quickly can I get approved and access funds?

Initial approval decisions typically take 7 to 15 days following a complete application. Once approval is granted, funds are often made available within one to three days, depending on your funding provider and the quality of your documentation.

Q: What are the usual fees and rates for construction invoice finance?

Rates typically range from 1% to 3% of the invoice value each month, with additional service or administration fees. The exact rate you are offered depends on your client mix, invoice volume, and business turnover.

Q: What types of construction invoice finance are available?

The three main types are factoring, invoice discounting, and selective invoice finance. Each offers different benefits such as having collections managed for you, keeping funding confidential, or financing specific invoices for urgent needs.

Construction Invoice Finance helps UK construction businesses unlock cash tied up in unpaid invoices by advancing most of their value. This type of invoice finance allows firms to access working capital without waiting for long client payment terms. With improved cash flow and immediate access to funds, construction companies can pay suppliers, manage wages, and bridge payment gaps efficiently. Businesses benefit from reduced payment delays and more control over day-to-day cash management, without taking on additional debt. Construction Invoice Finance is a practical solution for keeping projects moving smoothly.

Invoice Financing

Secure up to £1,000,000 in Invoice Financing with Funding Agent.

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Loan disbursed within 24 hours
No additional charges for early repayment

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Key ^Benefits of Construction Invoice Finance

Invoice finance gives construction firms immediate working capital by releasing cash from unpaid invoices. This specific solution is designed to address payment delays common in the sector. Typical rates range from 1% to 3% of invoice value monthly, and once approved, funds can be available in as little as one to three days.

Improves cash flow

Reduces payment delays

Supports project growth

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Construction Invoice Finance

Factoring

Factoring suits construction businesses with turnover over £50,000 and a reliable debtor base. It allows you to submit invoices and receive up to 90% of their value quickly.

Factoring

With factoring, your finance provider manages collections, advancing most of your invoice value—typically £10,000 to £1,000,000. Facilities are ongoing and geared to your invoice volume. Decision times take 10-15 days and funds help with cash flow, subcontractor payments, or buying equipment. Common users include bricklayers, electricians, and plumbers.

Invoice Discounting

Invoice discounting is for established construction firms with turnover exceeding £500,000, offering flexible access to working capital while retaining control of collections.

Invoice Discounting

This solution allows large contractors and civil engineering firms to advance between £50,000 and £2,000,000. The business remains in charge of collecting payments, keeping funding arrangements confidential. Facilities are flexible, and the typical setup time is 10-14 days, making it ideal for maintaining liquidity on major projects.

Selective Invoice Finance

Selective invoice finance lets you choose individual invoices to finance, ideal for businesses with urgent or unexpected funding needs.

Selective Invoice Finance

This option offers advances of £20,000 to £500,000 per invoice and is flexible for those with turnover above £100,000. Decisions are quick—often within 7 days—with finance tailored for companies needing to cover immediate contractor payments or urgent supply costs on specialist projects.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How to Apply with Funding Agent

Submit Application

Enter business and financial details, including recent invoices and client information, through the secure Funding Agent portal by completing our online application form.

Discuss Options

Speak with a Funding Agent expert, who will help you compare terms and find the most suitable facility for your circumstances.

Receive Funds

Once your facility is approved, funds are released quickly—often within one to three days—so you can cover pressing business needs.

Get Funding For your business

Generate offers

Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.

FAQ’S

What amounts can be funded with construction invoice finance?

How quickly can I get approved and access funds?

What are the usual fees and rates for construction invoice finance?

What types of construction invoice finance are available?

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^Construction Invoice Finance - Get a Quote Today

Key ^Benefits of Construction Invoice Finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Construction Invoice Finance

Factoring

Factoring

Invoice Discounting

Invoice Discounting

Selective Invoice Finance

Selective Invoice Finance

Typical Funding Journeys on Funding Agent