Construction Finance Support
NexGen Finance helps UK construction businesses, contractors, subcontractors and developers explore suitable funding options through trusted commercial finance partners. From invoice finance and payroll funding through to plant finance and development loans, we support a wide range of construction sector enquiries.
Construction Finance Options We Can Help With
The construction sector has specific funding needs that differ from most other industries — from slow payment cycles and retention to the cost of mobilising large contracts. NexGen Finance can help review a range of construction finance enquiries.
Construction Invoice Finance
Release cash tied up in applications for payment, certified invoices and debtor ledgers. Particularly useful for contractors with long payment cycles or CIS-based billing.
Who it may suit: Main contractors, subcontractors and trade businesses
EnquirePayroll & Labour Funding
Fund weekly or monthly payroll costs for directly employed staff and contracted labour, helping to bridge the gap between paying workers and receiving payment from clients.
Who it may suit: Contractors and construction businesses with large payroll costs
EnquirePlant & Equipment Finance
Finance for construction plant, machinery, tools and commercial vehicles through hire purchase or finance lease — spread the cost of assets and preserve working capital.
Who it may suit: Contractors and developers needing plant or machinery
EnquireContract Mobilisation Finance
Working capital to fund the early stages of a new contract before income begins to flow — covering materials, labour, equipment and site set-up costs.
Who it may suit: Contractors mobilising new or large-scale contracts
EnquireDevelopment Finance
Funding for ground-up residential and commercial development projects, heavy refurbishment and conversion schemes, typically with staged drawdowns tied to build progress.
Who it may suit: Property developers and experienced builders
Learn MoreSupply Chain & Trade Finance
Finance to fund materials, supplies and subcontractor costs before client payments are received, supporting cash flow throughout the project lifecycle.
Who it may suit: Main contractors managing large supply chains
EnquireConstruction Sector Finance Support
The construction industry faces unique financial pressures — slow payment terms, retention, seasonal workload and the need to fund materials and labour before receiving payment. NexGen Finance helps construction businesses explore funding routes that are suited to the way the industry works.
Construction finance enquiries are reviewed and, where suitable, referred to commercial finance broker partners with experience in the construction sector.
- Main contractors and principal contractors
- Subcontractors and trade contractors
- Civil engineering and infrastructure businesses
- Fit-out and interior fit-out companies
- Groundworks and groundwork contractors
- Property developers and housebuilders
- Self-employed CIS tradespeople seeking business finance
Construction Finance Challenges We Help With
- ✓ Long payment terms — 30, 60 or 90 days
- ✓ Retention withheld until project completion
- ✓ Funding required ahead of contract income
- ✓ Payroll and labour costs due weekly
- ✓ Materials and plant required upfront
- ✓ CIS deductions reducing available cashflow
- ✓ Seasonal peaks and troughs in workload
- ✓ New contract mobilisation costs
Construction Finance — Frequently Asked Questions
Can construction businesses access invoice finance?
Yes. Construction invoice finance is available for eligible businesses. It can be structured to work alongside applications for payment, certified invoices and debtor ledgers. The suitability of invoice finance depends on the type of contracts, the debtor profile and the structure of billing. Enquiries are reviewed and referred to suitable broker partners where appropriate.
Can self-employed tradespeople apply for construction finance?
Self-employed individuals and sole traders may be able to access some business finance products, depending on their trading history, turnover and the type of funding required. CIS workers may face additional considerations. Enquiries are reviewed individually and referred to appropriate broker partners where suitable.
What is contract mobilisation finance?
Contract mobilisation finance is working capital funding used to cover the upfront costs of starting a new contract — materials, labour, plant hire and site set-up — before the first application for payment is submitted and certified. It helps businesses take on larger contracts without stretching existing cashflow.
Is development finance available for small developers?
Development finance is available across a range of project sizes, from small residential conversions through to larger ground-up developments. The criteria vary by lender and typically consider the developer's experience, the project GDV, the loan-to-cost ratio and the exit strategy. Enquiries are reviewed and referred to appropriate broker partners.
Important information: NexGen Finance is not a lender and does not provide regulated financial advice. Suitable enquiries may be referred to commercial finance broker partners. Funding is subject to status, affordability, lender criteria and approval.
A Practical, Compliance-Led Approach
NexGen Finance keeps commercial and property finance enquiries straightforward. We focus on clear communication, practical funding routes and transparent wording, without overpromising outcomes.
Speak to NexGen Finance About Construction Funding
Call or email to discuss your construction finance enquiry. NexGen Finance will review your requirements and help explore suitable funding options through trusted commercial finance partners.