🏗️ Industry specialists

Funding for construction
that bridges progress payments

Subcontractor invoices, materials orders and wage runs don’t wait for the head contractor’s claim cycle. Our invoice finance gets you most of the value of your progress claim the day it’s issued.

Get a Quote 📞 09 579 4204

Why this industry

The progress-payment squeeze

Construction in NZ runs on monthly progress claims, retentions, and head-contractor payment cycles that often stretch 30–60 days from claim. Below the head, every layer in the chain is funding the layer above — and somewhere down the line, that’s the working capital coming out of your bank account.

Subcontractors and trades suppliers carry the biggest hit: weekly wages, materials on COD or 7-day terms, plant hire, and tax obligations — all paid out before the head contractor cuts the cheque on last month’s claim. Invoice finance turns each progress claim into same-day cash so you’re not financing the build out of your own balance sheet.

We work with:

Subcontractors (electrical, plumbing, mechanical, roofing, etc.)
Civil construction operators
Trade-services businesses with B2B invoicing
Specialist installers and fit-out contractors
Building product suppliers selling on credit
Plant and equipment hire businesses

How It Helps

What changes with invoice finance

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Progress claims funded immediately

Submit a progress claim, get up to 85% of it the same day. Wages, materials and subcontractor payments are covered without waiting for the head contractor’s payment cycle.

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Funding scales with the project pipeline

Win a bigger job? Your facility flexes up automatically. No reapplying, no fixed limit, no slowing down growth to keep the bank comfortable.

🛡️

Head contractor failure protection

One head going under can take a sub down with them. TradeSafer covers up to 80% of bad debts and our team registers your PPSR positions so you’re ahead of unsecured creditors.

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