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How we support the construction industry
Our Cash Flow Financing Resource Hub has been set up to help SME's understand their options when it comes to the various business cash flow solutions on offer.
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Cash flow challenge: I’m waiting on invoices and need access to cash now
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Perfect for: B2B companies that offer payment terms and want to improve cash flow without taking on additional debt
Novuna helps construction businesses access the funds they need to keep projects moving.
We compare providers, help you apply, and make sure you get the right deal for your needs.
Useful resources for our construction industry
Invoice Factoring
Invoice factoring helps you unlock cash tied up in unpaid invoices. It’s an effective way to improve cash flow and reduce pressure from late-paying customers.
Contract Finance
Contract finance provides funding against the value of ongoing service or supply contracts. It’s ideal for businesses that deliver first but get paid later.
Development finance
Development finance helps you fund new builds, refurbishments, or property projects. Funds are released in stages so you can manage costs and keep work on schedule.
We can help you with common construction cash flow pressures
High overheads
Construction businesses often face significant fixed costs from equipment leases and insurance to wages and vehicle expenses. When projects are delayed or seasonal demand dips, these overheads don’t stop, quickly putting pressure on available cash. Careful budgeting and flexible funding can help smooth out those fluctuations.
Late invoices
Delayed client payments are one of the biggest challenges in construction. Long contract terms and payment disputes can leave you waiting 60–90 days or more to be paid. This creates a serious strain when you still need to pay subcontractors and suppliers on time. Invoice finance can help bridge that gap by releasing cash earlier.
Low profit margins
With rising material costs and competitive bidding, many construction SMEs operate on thin margins. Even small disruptions like unexpected repairs or rising supplier costs can erode profits and impact working capital. Improving cash flow forecasting and using short-term finance can help protect your bottom line.
Lack of planning
Without clear cash flow forecasting, construction firms can be caught off guard by slow payments or seasonal downturns. Poor planning often leads to rushed borrowing or delayed payroll. Tracking when money is due in and out and arranging finance ahead of time, keeps projects moving without interruption.
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