Sector experience
Business finance for construction
Contract cash flow, plant and materials. Cash-flow patterns differ by sector, so this page sets out what tends to create funding pressure in construction and how businesses respond to it.
Sector pressures
Where the cash-flow pressure comes from
- Payment applications valued and paid well after the work is done
- Retentions held long after practical completion
- Materials and plant paid for before the first valuation
- Subcontractor payments falling due ahead of main contractor receipts
Common uses
How funding is typically used
- Funding materials and labour at the start of a contract
- Plant purchase or replacement
- Bridging retention and late valuation payments
- Mobilisation costs on a larger-than-usual job
Assessment
What we look at in this sector
Assessment reflects how businesses in your sector actually trade rather than forcing every applicant through an identical template.
Contract pipeline and the quality of the counterparties
How consistently payments land relative to terms
Concentration risk if one client dominates turnover
Existing finance across plant and working capital
FAQs
Questions from construction businesses
Ready to move your business forward?
Start with an eligibility check, or talk it through with a funding specialist first. Either way you will get a straight answer about what may be possible.
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UKCapitalFund - Funding Circle Ltd is authorised and regulated by the Financial Conduct Authority under firm registration number 722513.
UKCapitalFund - Funding Circle Ltd is not covered by the Financial Services Compensation Scheme.
Registered in England (Co. No. 06968588) with registered office at 71 Queen Victoria Street, London, EC4V 4AY.
UKCapitalFund - Funding Circle Ltd is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services. Your FlexiPay account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011.
UKCapitalFund - Funding Circle Ltd also provides a FlexiPay Business Credit Card. This is separate and unrelated to the account and payment services you receive from Modulr FS Limited. The FlexiPay Business Credit Card is issued by Monavate Ltd (Company Number: 12472532) authorised in the UK by the Financial Conduct Authority to issue electronic money (e-money) and provide payment services (Firm Reference Number 901097). The card is issued by Monavate Ltd pursuant to licence by Visa.
