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Construction Invoice Finance has been developed by Creative Capital to assist those in the building trade who cannot access traditional invoice finance.

The majority of invoice financiers cannot work with construction companies, especially those who work on applications for payment or stage payments.

We have extensive knowledge of the construction industry, and a well-established construction client base. Creative Capital are already funding everything from the initial ground works, right through to the final fix and even post build cleaning. As all businesses know, strong cash flow is key to success. We have helped our clients cover everything from paying suppliers, meeting wage bills, ensuring subcontractors are paid on time and more. The reality is that if you have a short term cash flow problem and work in the construction industry, then we are here to help.


It’s very simple. We enter into an open ended agreement with our customers, and they are free to use us as little or as often as they like. There is no formal tie in period, and no notice period to give should you wish to leave. Our clients carry out their work as normal, and then submit an invoice, application for payment or stage payment. Once this has been submitted, they then have the option of selling this to Creative Capital in order to raise cash. To purchase the debt, we verify that the work has been carried out, the debt is valid, and that the debtor is happy to pay Creative Capital direct. Everything we do is on a disclosed basis, and so you should ensure your debtor is happy to work with us and allow you to fund.

One of the main differences is that credit control is carried out by our clients. Construction Invoice Finance works well because the debtor can take comfort in the fact that we will be as hands off as possible, and will not interfere with day to day relations if at all possible. We believe our clients can manage this effectively by building key relationships with their customers. All parties are able to benefit from allowing this relationship to be maintained.


As with our standard Selective Invoice Finance facility, there are no up-front fees associated with Construction Invoice Finance. There are no set up, admin, minimum monthly or exit fees. The only fee we charge is a daily interest rate which we will agree with you at the start of the relationship. There are many variables that can affect this rate including who your debtors are, the size and length of contract and the type of work you are doing. A quick phone call to discuss your requirements will normally allow us to give you an accurate indication of cost without any obligation to you though. If you are tendering for new contracts and need to know the cost of funding, we would be happy to agree a rate with you, allowing you to manage your budgets and applications effectively.


Creative Capital now insure all debts that are financed by us. There is typically additional cost for this service, and we look after all aspects of the administration for you. You can find more details about this by visiting

To discuss how Construction Invoice Finance could help your business, get in touch today.

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01244 561343

To find out more about how Creative Capital can provide easy finance
for your business, call us or complete our online application form.
Creative Capital