Call us on: 01322 912578
Construction finance specialists
Cash flow is the lifeblood of every construction business. With a deep understanding of CIS, JCT and the realities of the sector, we provide flexible funding solutions for main contractors, trades and developers.
What is construction finance?
Construction finance is a broad term for funding solutions designed around the way construction businesses really operate. Project-based payments, long credit terms, upfront materials, and seasonal cycles mean that traditional finance rarely fits.
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The right facility might be a loan, invoice funding, or finance linked to your equipment. What matters is that it’s tailored to the needs of your projects.
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At Elevate, we bring together a full suite of construction-focused options.
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Working capital facilities up to £2m
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Fast access to cash, often within 24 hours of submitting an invoice or application for payment
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Minimum of one year trading history
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Turnover from £200k+ to qualify
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Quick decisions and funding, with facilities typically set up within one week
Construction finance isn’t about one product. It’s about creating the right mix so you can keep projects moving, invest in growth and protect your cashflow.
We understand the challenges you face
No two projects are ever the same, and we recognise the daily pressures construction businesses deal with. Our approach to finance is designed so you don’t have to turn work away — giving you the confidence to focus on growth and running your business.
Upfront investment
Plant, vehicles, labour and materials such as steel, timber and HVAC systems often need paying for well before the first invoice is approved.
Delayed payments and retentions
Progress claims, staged invoices and retentions can mean waiting 60, 90 or even 120 days to be paid, while costs keep building.
Uneven cashflow
Peaks, troughs, seasonal slowdowns and weather delays put pressure on working capital.
Ongoing commitments
Payroll, CIS obligations, insurance and accreditations continue regardless of site delays.
Tax deadlines
VAT and corporation tax bills often land in the middle of project cycles.
Unlock the cash that’s tied up in construction contracts and unpaid invoices
Waiting months to be paid doesn’t have to hold your projects back. With construction finance, you can release cash against approved contracts and invoices, giving you the funds to cover payroll, pay suppliers on time and take on new work with confidence.
Our construction finance solutions
We provide a suite of solutions tailored to the construction sector:
Invoice and contract finance
Cashflow support for staged payments and retentions.
Asset finance and refinance
Invest in or refinance plant and machinery without draining cashflow.
Working capital loans
Flexible facilities to keep operations running smoothly between projects.
VAT and tax loans
Spread large bills and protect liquidity.
Why choose Elevate Business Finance?
Because we specialise in the sector. We understand CIS, JCT, staged payments and retentions, and we build solutions around how construction actually operates.
That means quicker decisions, funding that matches project cycles, and a team that speaks your language.
Who we support
Developers and refurbishment firms
Bridging and development loans to seize opportunities.
Construction Finance FAQs
Who is Construction Finance for?
Construction finance is for established businesses in the sector — main contractors, trades, groundworks, plant hire companies and developers. If you face delays in payment, need to fund materials or equipment upfront, or want the working capital to take on more jobs, it’s designed for you.
Why choose Construction Finance?
Construction finance can be shaped to the unique cashflow of your projects. It helps you cover payroll, buy materials, invest in plant and machinery, and manage tax bills, without waiting months for client payments.
How quickly can funding be accessed?
We can usually provide indicative options the same day. Depending on the facility, funds can often be released within 24–72 hours once everything is approved.
What turnover do I need to qualify?
We typically work with businesses turning over £200k or more per year. This helps ensure the facilities are the right fit and sustainable for your business.
How much funding can I access?
Our construction finance solutions range from smaller working capital loans to facilities of up to £2m, depending on your turnover, trading history and needs.
What trading history do I need?
A minimum of one year’s trading history is usually required. This gives us enough information to set up the right facility and ensures you benefit fully from the funding.