Separate the machine from the project budget
A machine may work across several contracts, while materials and subcontractor costs belong to particular jobs. Evaluate those funding needs separately so the repayment periods reflect how the money will be used.
Include mobilisation, transport, maintenance and downtime in the equipment budget. For the project, track the gap between paying costs and receiving progress payments.
Do not count every claim as available cash
Retentions, disputed progress claims and approval delays can affect when money is received. If exploring invoice finance, ask how these features are treated. A claim on a project is not automatically an eligible invoice.
Model at least one delay scenario. A project that is profitable on paper can still put pressure on cash if payments arrive after wages, subcontractors or finance repayments are due.
Funding routes to understand
- Equipment finance for suitable machinery purchases
- Business vehicle finance for a work fleet
- Working capital facilities for operating timing gaps
- Invoice finance where receivables meet the provider’s requirements
What to prepare
- Current and upcoming project schedules
- Payment terms, retentions and disputed claims
- Machinery quotes and running costs
- Cash flow including subcontractor commitments
Common questions
Can project retentions be included in invoice finance?
It depends on the facility. Explain retentions and progress-payment arrangements early, because they may affect eligibility.
Does Atlas provide property-development lending here?
This page concerns the operating needs of construction businesses. Development transactions require a separate property-finance assessment.
General information only. Product terms and availability vary. Check the actual proposal and obtain advice appropriate to your circumstances.