Construction Finance
Unlock the cash that’s tied up in construction contracts
Construction Finance Facts
Construction businesses can often face cashflow challenges whilst waiting for customers to pay.
New contracts are great for business, but they also bring with them new expenses, such as buying supplies upfront and paying additional wages, often leading companies to need to tap into their working capital before they receive their first payment.
Construction Finance frees up the liquidity needed to complete existing contracts whilst looking to take on new ones so that growth ambitions aren’t slowed down.
- Working Capital facility of up to £2m that grows alongside your business
- Provides funding within 24 hours of submitting an invoice or raising an application for payment
- Minimum one year trading history
- Minimum turnover of over £600k
- Funding within one week

Let’s get things moving
If you would like to talk to us about any funding needs, call us on 0800 121 7757, register as an Introducer or request a quote for your business today
What is Construction Finance?
Construction Finance is a type of Working Capital Finance tailored to the needs of businesses within the Construction industry. It is a great way to release the cash locked in lengthy construction contracts prior to a payment certificate being issued. This means you can still offer your customers the same payment terms as before, but you get to access some of the contract’s cash value straight away – we deposit the funds into your account within 24 hours of you raising a request.
New contracts bring new expense – from having to buy supplies upfront to paying employees weeks, or even months, before your first stage payment. Construction Finance releases the cash that’s owed to you, typically within a week. Even before completion certificates have been issued. It takes the pressure off late payment concerns, even during lengthy contracts. And it gives you the financial security to secure bigger contracts without worrying about your cashflow.
Debtor Protection for Construction Finance
Did you know that to recover a £25,000 bad debt a business with a 5% net margin would need to find an additional £500,000 in sales?
Debtor Protection is an optional service that works alongside a Construction Finance facility and helps reduce risk from late and non-payment of invoices to further protect your cashflow.

Frequently Asked Questions
Ultimate Finance are very rare in today’s market. They made an effort to understand our business, see what we needed, provided that and built a great business relationship – unusual in the construction sector. They have a great pro-active and flexible approach, and I would wholeheartedly recommend them to anyone.
Why Choose Ultimate Finance
At Ultimate Finance we have over 20 years’ experience in providing businesses with the right funding solutions to help keep their business moving.
Since 2002, we have become the funding partner of choice of thousands of businesses, including in the recruitment sector. Our fully confidential Construction Finance facilities all come with:
- Support from a dedicated construction team assisted by a specialist QS partner
- Access to our online portal to manage your account 24/7

Solutions that work for businesses and introducers
It’s why more and more businesses are choosing us as their funding partner of choice
Case Study:
Indigo Fire Systems Limited is a fully certified fire sprinkler contractor based in Hampshire and servicing London and the South East of England. The business operates in the residential and domestic sector, working with institutions such as care homes and student housing, for which it provides designing, installing and maintaining services.

Recent Customer Success Stories
Discover how Construction Finance helps businesses meet their ambitions
Related News
Our recent blogs about Construction Finance
Featured Article:
The increase to National Insurance (NI) to 15% announced during the last Autumn Budget comes into force on 6 April 2025. With employer contributions going up, it is set to place additional strain on UK businesses: especially those with high staffing costs. Coupled with a 6.7% rise in the minimum wage, it’s likely that this change will significantly impact cashflow and working capital for many if not most.

Related News
Our recent blogs about Working Capital Finance
Let’s get things moving
If you would like to talk to us about any funding needs, call us on 0800 121 7757, register as an Introducer or request a quote for your business today