Guavas Finance UK - Leading Finance Services in UK for Small Business.
  • Construction finance specialist
  • Broker of the Year 2025

Stage payments shouldn't stop your next build.

You win the tender. You mobilise the team. But materials cost upfront, stage payments trickle in late, and retention holds tie up your cash. Sound familiar?

90%

Advance on certified invoices

48hr

From enquiry to cash

50+

Specialist lenders
Check my eligibility
How it works
  • 48hr funding
  • CIS-compliant solutions
  • 27-second response time
guavas favicon Simplified Business Finance Solutions with Guavas

The construction cash flow trap

Stage payments arrive late. Material costs hit upfront.

You've won the contract. The materials need ordering now. The subcontractors need paying this week. But the first stage payment won't land for 30 days — and retention holds lock up another 5%. That gap is where profitable jobs turn into cash flow nightmares.

The result? Turning down tenders you could win. Delaying material orders and missing project deadlines. Borrowing personally to bridge the gap between stage payments.
"Major client delayed payment by 60 days. I had £80K in certified invoices sitting there but couldn't make payroll on Monday." — Tom, Construction MD

THE CONSTRUCTION CASH FLOW GAP

60

days waiting

That's how long your cash sits in someone else's account — while materials, subcontractors, and payroll can't wait.
  • Complex situations solved
Finance for construction

Unlock cash from certified invoices. Finance the equipment you need.

Construction invoice finance lets you unlock up to 90% of the value of certified invoices — within 48 hours. And if you need new plant, vehicles, or equipment, asset finance lets you spread the cost over 2–5 years without tying up working capital.
  • Up to 90% advance on certified invoices
  • Cash in your account within 48 hours
  • CIS-compliant — works with your existing tax setup
  • Asset finance for plant, vehicles, and equipment
  • Grows with your project pipeline — no cap
Check my eligibility

Real construction scenario

You've got £80K in certified invoices sitting there, payroll due Monday, and a client who's just pushed payment out by 60 days. Sound familiar?

By Monday morning, £68K lands in your account via invoice finance. Payroll runs. Nobody on site knows a thing.

8 months from now: £3M annual revenue, 12 new staff, two major contracts won, because you had the cash to chase them.
Trusted by UK construction firms

How it Works

From cash-strapped to funded in 4 steps

No jargon. No hidden steps. Just a clear path from enquiry to cash in your account.

01

Tell us about your firm
Complete our 60-second eligibility check. We ask about your project pipeline, invoicing, and funding needs.
60 seconds

02

We match you with lenders
Our team analyses your situation and matches you with the best-fit lenders from our panel of 50+ specialists.
Same day

03

Compare your quotes
Review competitive quotes side by side. We explain every term clearly — no jargon, no hidden fees, no pressure.
24–48 hours

04

Get funded
Sign your facility. Start submitting invoices. Cash hits your account within 48 hours of each invoice — every time.
48 hours

Check your firm's eligibility

This isn't a generic contact form. It's a construction-specific assessment that helps us match you with the right funding — whether that's invoice finance, asset finance, or both.
  • Tailored to construction & trades
  • Specialist calls you back within minutes
  • No credit impact whatsoever
  • Completely free and confidential
Chris Dolan Image
Guavas Construction Team
Chris (invoice finance) · Akram (asset & loans)
● Online · Avg. response: 90 seconds

Trusted by construction firms

TRUSTED BY CONSTRUCTION FIRMS

"That Friday call saved my business. I had £80K in certified invoices but couldn't make payroll. By Monday morning, the cash was in my account. 8 months later we hit £3M revenue."

TH

Tom H.
MD, Construction Firm · West Midlands
"Saved us the legwork and got us a facility that made a real difference. We needed both invoice finance for cash flow and asset finance for new plant — Guavas handled the lot."

IR

Ian Robb
Director, Ian Robb Timber · Verified client
"Within about a week, they presented us with two or three solid options from lenders I hadn't even heard of. Saved us a fair bit of money compared to going direct."

DT

Dkt Trans Ltd
Transport & construction logistics · Verified client

Partner Questions

What construction firms ask us

Yes. Construction invoice finance is specifically designed for certified invoices, including stage payments and applications. The lender advances against your certified work — so you get paid within 48 hours instead of waiting 30–90 days. Retention holds (typically 5%) are handled separately and released when the defects period ends.

Absolutely. Many construction clients need both: invoice finance for cash flow (unlocking cash from certified invoices) and asset finance for plant, vehicles, and heavy equipment. We handle both from the same panel of 50+ lenders, so you get one relationship manager and a joined-up approach.

Yes. Our construction finance solutions work within the Construction Industry Scheme (CIS). Whether you're a contractor or subcontractor, the facilities are structured to accommodate CIS deductions. We work with lenders who specialise in the construction sector and understand these requirements.

This is exactly the problem construction invoice finance solves. Whether your client is a main contractor, developer, or local authority, we assess the debtor's credit — not yours. If they're creditworthy (and most main contractors are), you can get funded against their invoices regardless of how slowly they pay.

Most facilities can be live within 5–10 working days. For urgent cases (like Tom's), we've set up facilities in under 48 hours. The speed depends on your documentation readiness — having your certified invoices, accounts, and project pipeline information ready makes the process faster.
  • Award-winning
    Broker of the Year 2025
  • £10M+ facilities
    Construction sector
  • 48hr funding
    From enquiry to cash
  • CIS-compliant
    Works with your setup
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© 2026. Guavas Finance Ltd

Shelton Street, Covent Garden, London, WC2H 9JQ, UK

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