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Invoice Financing for Construction - Get a Quote

Invoice financing for construction allows UK construction SMEs to access funds by using their unpaid invoices as collateral. It helps bridge cash flow gaps, commonly experienced due to slow payments, enhancing financial stability. Discover more about this powerful financing tool by exploring invoice financing options.

Invoice Financing

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

  • Fastest and easiest application process
  • Dedicated support
  • Loan disbursed within 24 hours
  • No additional charges for early repayment
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What are the benefits of Invoice Financing for Construction?

Invoice financing improves cash flow, manages working capital, and provides funding flexibility without long-term debt obligations. With funding amounts from £10,000 to over £5 million and decisions within 24 to 72 hours, it's tailored to meet specific business needs. Learn about the advantages of non-traditional funding solutions.

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Improved cash flow
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Faster access to funds
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Less debt accumulation

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What are the different types of Invoice Financing for Construction?

Factoring

Factoring allows construction companies with creditworthy clients to receive up to 90% of invoice values rapidly. Understand the benefits of factoring invoices.

Factoring

Factoring is ideal for construction firms engaged in large projects. It provides up to 90% of an invoice's value quickly, with decision times of 24 to 48 hours and rates between 1% to 4% monthly. Sectors involved often include public sector projects. Discover the specifics of invoice factoring further.

Invoice Discounting

Invoice discounting offers established construction firms up to 95% of invoice values, maintaining ledger control. Explore how invoice discounting can enhance liquidity.

Invoice Discounting

Suited to companies with strong credit systems, invoice discounting offers rates slightly above base and rapid initial setups. Funds are directly controlled, aiding supplier payments. Explore the deeper benefits of invoice discounting.

Selective Invoice Financing

Selective invoice financing caters to construction businesses wanting to finance specific invoices, offering flexibility. Understand the flexibility of selective invoice options.

Selective Invoice Financing

Ideal for unexpected large expenses, selective invoice financing provides up to 85% of chosen invoices within 48 hours, albeit at higher rates. It allows SMEs to pinpoint funding needs without committing all invoices. Learn more about selective financing.

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What is Invoice Financing for Construction?

Application Process

To apply for invoice financing, firms need to submit business details, recent invoices, and undergo credit checks, with initial decisions ready in 24 to 72 hours. Explore our streamlined application processes.

Borrowing Capacity and Rates

Invoice financing in the UK follows FCA regulations, crucial for consumer credit compliance. Work with experts familiar with financial regulations.

Borrowing Capacity and Rates

The borrowing capacity ranges from £10,000 to over £5 million, influenced by turnover and creditworthiness. Rates vary from 1% to 4% per month, plus fees. Understand how these rates apply in construction financing.

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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.
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FAQ’S

How much can I borrow through invoice financing?
How quickly can I get a decision on my invoice finance application?
What are the typical interest rates for invoice financing?
What are the eligibility requirements for invoice factoring?

DIVE DEEPER

July 22, 2025

What Is Invoice Finance? A Smart Way for UK SMEs to Improve Cash Flow

Discover how invoice finance lets UK SMEs release up to 90 % of an invoice’s value within 24 hours. Learn types, costs, and top lenders.
August 1, 2025

Asset Finance vs Invoice Finance: Which Is Right for Your Business in 2026?

Compare asset finance and invoice finance for UK SMEs. Learn how each works, costs, benefits, and sector use cases, with Funding Agent’s calculators.
July 16, 2025

What Is Funding Agent? The AI-Powered Platform Changing UK Business Finance

Discover what Funding Agent is, how it helps UK businesses secure the right finance fast, and why it is revolutionising the SME lending landscape using AI.

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