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Construction Finance

Construction Finance releases funding when you need it by advancing cash against your uncertified applications for payment or staged invoices.
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Construction finance from Aldermore offers fast access to working capital. This is advanced against your uncertified applications for payment or staged invoices. This gives you a safety net for your finances, so you don’t have to rely on payment from your customer before you can make staff and supplier payments, or take on new projects.

At a glance

  • Timely access to your cash - with funding advanced usually within 24 hours
  • An expert team behind you - applying our long-established track record with contractors to help your business
  • Peace of mind - our understanding of your contracts could help identify any potential issues before they happen
  • Personal approach – we’ll make sure you know all your day-to-day contacts at Aldermore personally
  • Flexibility - with access to on-site quantity surveyors, dispute resolution and other industry specific experts, should you need them
  • Transparent - we’ll keep you informed every step of the way, clearly explaining how the facility will work and what it will cost

Bad Debt Protection

At Aldermore we understand that it’s sometimes difficult to assess the risk of customers not being able to pay. The decision you make could lead you to turn away sales or even end up with a bad debt. Our Bad Debt Protection (BDP) service gives you the confidence of knowing you will receive payment for all your hard earned sales.

  • How does it work?
  • Who can we help?
  • Is it for me?
  • How much will it cost?

Once your facility has been approved, accessing your money is straightforward:

  • Submit your billing to us - this can be staged invoices or applications for payment - even before they are certified by your customers
  • We release an agreed percentage of the value to you (minus our fee), usually within 24 hours
  • Once your customer makes a payment to us, we release the remainder to you

Construction Finance can help a wide range of businesses in the Construction construction sector who have a need for working capital and are typically operating under stage payment contracts. At Aldermore, we work with businesses to find funding solutions that meet their individual requirements.

Construction finance could help your business if:

  • You are a contractor in the construction sector
  • You have a need for working capital
  • You have an annual sales turnover of above £250,000


With our expert contractor team behind you we can give you an invaluable safety net for any unexpected late payments or project delays. We can release the extra cash when you need it most from your applications for payment or staged invoices.

We will work with you to design a funding package that’s designed around your business, with competitive and transparent charges agreed with you up front. All costs will be outlined in your facility offer letter, together with a Client Guide that will detail any additional fees that would apply for services you may need or use. An arrangement fee will also normally apply.

Contractors and Sub-contractors

House plans Contractors

When faced with unpaid billing, contractors can face significant problems. Late payments from one customer could leave you unable to complete projects for another. Paying staff, suppliers, and sub-contractors can also be a challenge when you’re waiting for the money to enter your account.

Cup of tea splash Sub-contractors

In terms of cash flow management, prevention is often better than cure. By regularly assessing your finances and conducting frequent cash flow forecasts, you can plan ahead and act upon any issues before they cause problems.