Paid at practical completion. Payroll every Friday.

Construction money is lumpy. You pay for materials and your crew or subcontractors weeks before a client pays you, work is invoiced on progress or stage payments, and a slice is often held back as retention (or retainage in some markets) until a job is signed off, sometimes months after you finish. Add weather delays, long payment terms from main contractors, and big upfront costs on every new project, and even a profitable, growing firm can run short of cash. Funding for a construction business is mostly about bridging that gap so you can take on work without waiting to get paid.

Capvant is a marketplace, not a lender. You make one request describing your business and what you need, and we match you with a network of vetted lenders who compete to fund construction firms, from sole-trader contractors to multi-crew builders. Because different lenders weigh project-based revenue differently, comparing several offers usually beats approaching a single bank. Comparing is a soft search with no impact on your credit score; a hard check only happens if you accept an offer.

Lenders know construction revenue is project-based, so they look beyond a single month's figures. Typically they want to understand how long you have been trading, your recent turnover and bank activity, the work in your pipeline, and how reliably your clients pay. Strong, signed contracts and a spread of customers, rather than reliance on one main contractor, usually make an offer easier and the terms more favourable.

They will also weigh the things specific to the trade: how much cash is tied up in retentions, your margin after materials and subcontractor costs, and whether the funding is secured against equipment or invoices. Newer firms, and those with past credit blips, can often still get funded because some lenders focus on exactly that, though the rate and limit will usually reflect the risk. Every decision sits with the lender and is subject to approval; speaking in ranges, more trading history and cleaner cash flow typically unlock more options.

Speed matters in construction. Materials prices move and a contract will not wait, so the goal is to see real options quickly. With Capvant you make one request and receive offers from multiple lenders to compare side by side, choosing on the terms that matter: how much, over how long, the total cost, and how repayments line up with your payment cycles. Because you are comparing genuine competing offers, you are more likely to land a deal that fits than by chasing one lender at a time.

Comparing is always a soft search, so checking your options has no impact on your credit score; a hard check only happens if you accept an offer, and the final decision rests with the lender, subject to approval. Have a few basics ready, such as recent bank activity, your latest accounts or figures, and an idea of your project pipeline, and you can usually go from request to reviewing offers quickly, then get straight back on site.