Invoice Finance for
Concrete Contractors
Unlock cash from unpaid invoices to keep crews working and projects moving on schedule.
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Turn Unpaid Invoices Into Cash To Keep Pumps And Crews Working
Concrete contractors face one of the most common challenges in construction: long payment terms. Many clients take 60–90 days to pay invoices, while contractors must cover wages, materials, and suppliers immediately. This mismatch between outgoing and incoming cashflow often restricts growth, prevents contractors from taking on new projects, and causes unnecessary financial stress.
Concrete contractor invoice finance bridges this gap. By unlocking up to 90% of the value of outstanding invoices within 24–48 hours, contractors gain access to the working capital they need to keep projects moving. Once the client pays, the remainder of the invoice value is released, minus a small fee.
Why Invoice Finance is Critical in the Concrete Sector
Concrete contractors are particularly vulnerable to cashflow delays because:
- Project-based Work – Payments often tied to milestones or project completion.
- Extended Terms – Clients in construction may insist on 60–90 day credit terms.
- Large Upfront Costs – Fuel, aggregates, cement, and staff must be paid before revenue arrives.
- Multiple Projects at Once – Contractors juggle several contracts, each with staggered payments.
- Pressure on Growth – Without steady cashflow, firms cannot tender for bigger projects.
Invoice finance ensures concrete contractors have the liquidity required to meet obligations and grow sustainably.
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How Invoice Finance Works
The process is designed to be fast and straightforward:
Issue an Invoice
Contractor invoices the client as normal.
Advance Received
Lender releases up to 90% of the invoice value within 24–48 hours.
Client Pays Invoice
The client pays the full invoice amount on their agreed terms.
Balance Released
Remaining funds are passed to the contractor, minus lender fees.
This cycle repeats for each invoice, ensuring consistent working capital.
Benefits of Invoice Finance for Concrete Contractors
Immediate Access to Cash
Unlock funds within days of issuing an invoice.
Smooth Cashflow
Cover wages, materials, and overheads without stress.
Support Growth
Free up liquidity to tender for larger contracts.
Flexible Facility
Draw down only when needed.
Reduced Borrowing Risk
Facility grows in line with invoice volume.
Protect Relationships
Contractors can extend credit terms to clients without harming their own liquidity.
Why Invoice Finance is Effective for Contractors
Unlike loans, invoice finance does not rely on fixed repayments. Instead, the facility is directly linked to turnover, making it highly flexible. The more work a contractor delivers, the more liquidity they can unlock.
This makes invoice finance especially useful during periods of rapid growth, when cashflow requirements peak. Contractors can keep suppliers paid and staff retained while waiting for clients to settle invoices.
Case Example – Midlands Concrete Pumping Firm
A concrete pumping company in the Midlands faced a cashflow gap while waiting for £200,000 of invoices to clear on 90-day terms. By securing invoice finance, the firm released £180,000 within two days, allowing them to purchase materials for the next contract. When the client paid, the remainder was released, and the cycle continued.
This solution transformed cashflow management, enabling the company to scale up operations and bid for larger projects.
Why Choose MacManus Asset Finance?
Contractors partner with us because:
- Sector Knowledge – 25+ years supporting construction finance.
- Wide Lender Panel – Access to multiple invoice finance providers.
- Tailored Facilities – Solutions matched to cashflow cycles.
- Fast Approvals – Advance payments released quickly.
- Trusted Relationships – Ongoing support as businesses grow.
Key Takeaways
Cashflow delays are one of the biggest barriers to success in the concrete contracting industry. Concrete contractor invoice finance ensures companies can pay suppliers, retain staff, and tender for bigger projects without being held back by slow client payments.
At MacManus Asset Finance, we arrange invoice finance facilities tailored to the needs of concrete contractors, ensuring businesses can grow with confidence.
Concrete Contractor Invoice Finance FAQs
Typically up to 90% of the invoice value, with the balance paid once the client settles.
Usually within 24–48 hours of raising the invoice.
Yes, as long as the invoice has been raised and approved by the client.
Yes, facilities can be selective or cover your entire ledger.
Facilities can be confidential or disclosed, depending on your preference.
Yes, SMEs benefit significantly from improved cashflow.
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