Industry
Finance for Construction
Construction cash flow is uneven by nature. Costs for labour, materials and subcontractors fall due well before progress payments arrive, and retentions can hold money back for months. Finstead arranges finance that matches how a project-based business actually earns.
What finance suits construction businesses?
Working Capital: Covers wages and materials between progress claims.
Invoice Finance: Brings forward cash from approved progress claims and invoices.
Equipment Finance: Machinery, plant and vehicles without tying up property.
ATO Debt Refinance: Clears tax debt that builds up when payments run late.
Situations we commonly see
- Large projects where costs run months ahead of payment
- Plant and machinery purchases that need to happen before the contract pays
- ATO debt that accumulated while waiting on progress payments
- Growth that outpaces the cash the business has on hand
Frequently asked questions
Often, yes, where the business invoices other businesses on terms. Funders vary in how they treat progress claims and retentions, so it is worth matching the structure to the right lender.
General information only, not financial advice. Lender criteria vary and approval is at the lender's discretion. Finstead is a broker, not a lender.