Invoice Finance for
Groundworks Contractors
Turn unpaid invoices into immediate cash to maintain smooth day-to-day operations.
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Turn Unpaid Invoices Into Cash To Keep Diggers And Crews Working
Groundworks contractors are at the very start of the construction process, preparing sites, laying foundations, and installing drainage. Their work is essential, yet financially, they often face one of the toughest challenges in the industry: long client payment terms.
Contracts frequently specify payment delays of 60–90 days, sometimes even longer. Meanwhile, contractors must continue paying wages, purchasing fuel, maintaining machinery, and covering insurance premiums. This cashflow gap can create significant pressure, particularly for firms experiencing rapid growth or seasonal fluctuations in demand.
Groundworks contractor invoice finance provides a practical solution. By unlocking funds tied up in unpaid invoices, contractors can access up to 90% of invoice value within 24–48 hours. This transforms slow-paying clients into immediate liquidity, giving businesses the ability to cover costs, invest in new projects, and reduce reliance on overdrafts or personal funding.
Why Invoice Finance is Critical for Groundworks Contractors
The groundworks sector is highly project-driven, and most contracts demand significant upfront expenditure. Common challenges include:
- Extended Payment Terms – Waiting months for client payments disrupts cashflow.
- High Upfront Costs – Fuel, aggregates, wages, and equipment all demand immediate payment.
- Seasonal Demand – Cash reserves may be strained during quiet periods or winter months.
- Growth Pressures –Taking on larger contracts often requires more working capital.
- Overdraft Dependence – Relying on overdrafts can be costly and unsustainable.
Invoice finance resolves these challenges by converting receivables into working capital.
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How Invoice Finance Works for Groundworks Contractors
The process of invoice finance is straightforward and tailored to project-based industries:
Invoice Raised
Contractor completes work and issues an invoice to the client.
Funding Released
Finance provider advances up to 90% of invoice value within 1–2 days.
Client Pays Invoice
When the client settles the invoice, the balance is released (minus fees).
Ongoing Facility
Contractors can repeat the process with every new invoice.
This ensures continuous liquidity, regardless of how long clients take to pay.
Benefits of Invoice Finance for Groundworks Contractors
Immediate Working Capital
Unlock cash tied up in receivables.
Growth Enabler
Accept larger contracts with confidence.
Flexible Facility
Funding grows in line with invoice volume.
Reduced Overdraft Reliance
Lower costs compared to bank overdrafts.
Protect Relationships
Facilities can be confidential to avoid client awareness.
Stability in Fluctuations
Smooth out peaks and troughs in seasonal demand.
Why Invoice Finance Suits Construction and Groundworks
Unlike many sectors, construction and groundworks involve irregular payments tied to milestones or phased completion. This creates unique cashflow problems that traditional lending often fails to address. Invoice finance is designed to bridge this mismatch, ensuring contractors can pay staff and suppliers while waiting for large client payments.
By aligning funding directly with invoices, contractors maintain a steady cashflow cycle. This enables them to take on new projects without financial hesitation.
Case Example – Unlocking £80,000 from Invoices
A Midlands-based groundworks firm completed multiple contracts for a commercial developer, with invoices totalling £100,000. Payment terms were 90 days, but the business needed funds immediately to pay wages and fuel suppliers.
Through invoice finance, the contractor unlocked £80,000 (80% of invoice value) within 48 hours. This allowed the business to maintain smooth operations while waiting for the client to settle.
Why Choose MacManus Asset Finance?
Groundworks firms across the UK rely on us because:
- Industry Knowledge – Over 25 years financing construction contractors.
- Wide Lender Access – We source the most competitive invoice finance solutions.
- Tailored Facilities – Funding structured to suit contract cycles.
- Fast Approvals – Funds released quickly when contractors need them most.
- Trusted Partnerships – We work with you long-term to support growth.
Key Takeaways
Groundworks contractors face constant pressure from extended client payment terms and rising costs. Invoice finance turns unpaid invoices into immediate cash, ensuring contractors can keep projects on track, pay staff, and invest in growth.
By working with MacManus Asset Finance, contractors gain access to flexible, tailored facilities that grow in line with their business. This allows them to focus on delivering projects with confidence, without financial distractions.
Groundworks Contractor Invoice Finance FAQs
Typically up to 90% of the invoice value.
Facilities can be structured confidentially to maintain client relationships.
Groundworks, civil engineering, and subcontracting firms all benefit.
Usually within 24–48 hours of invoice submission.
Yes, it can complement asset finance, business loans, and VAT loans.
Some facilities include bad debt protection for added security.
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