The cash problem
Labour and materials are paid weekly, while applications for payment are certified monthly and paid later still. Retentions lock away part of every invoice until the job is finished.
Funding that fits
Construction invoice finance advances against certified applications. Some funders lend against retentions. Plant and vehicles suit hire purchase.
Strengthening your application
Show a history of payment from main contractors, low dispute levels and a schedule of upcoming work. Funders like subcontractors who work for several contractors rather than one.
Frequently asked questions
Will standard invoice finance work?
Often not. Look for a funder that understands construction contracts.
Can retentions be funded?
Some specialists will advance against them, usually at a lower rate of advance.
Last reviewed: 2026-10-15