Liquidity for the firms that build Europe
The small firms that build Europe wait 90 days to get paid. We pay them today.
[Company] turns construction invoices into same-day working capital across [region] — so the contractors, subcontractors and renovators delivering Europe's housing, energy-efficiency and infrastructure agenda can keep building, hiring and paying their own supply chains instead of financing it out of pocket. Every invoice we advance keeps a European SME solvent and a project on schedule.
InvestEU-aligned · EU-Taxonomy ready · ISO 27001 · GDPR
Facility overview
- General contractors 34%
- Subcontractors & trades 28%
- Renovation & energy-eff. 24%
- Public-works suppliers 14%
Advance rate
up to XX%
Avg payout
24h
Dilution
X.X%
Green-tagged
38%
Recent advances
| Counterparty | Region | Status | Time |
|---|---|---|---|
| Subcontractor | [region] | advanced | 22h |
| Renovation trade | [region] | advanced | 19h |
| Public-works supplier | EU | verifying | — |
| General contractor | [region] | advanced | 24h |
EU-Taxonomy aligned · energy-efficiency
Now financing energy-efficient renovation across [region].
Bridging the working-capital gap on the projects decarbonising Europe's building stock.
Why it works
Three things construction needs from finance — and almost never gets.
Liquidity where Europe's gap is widest.
Construction carries Europe's longest payment terms. We advance against certified work in 24 hours, so cash stops sitting in someone else's ledger and stays in the real economy.
- Advance rates up to XX%
- Payout in 24h
- No fixed-term lock-in
Underwriting built for construction risk.
Retention, set-off, pay-when-paid — construction receivables behave differently. Our underwriting is built for exactly that.
- Certified-work verification
- Debtor diversification limits
- Dilution reserves & fraud controls
Built to institutional standards.
Our portfolios are structured from day one to be financed by development banks and capital markets — STS-eligible, audited, EU-Taxonomy-tagged.
- STS-eligible portfolios
- AAA-guarantor-ready
- EU-Taxonomy aligned
The book, in numbers
Evidence, not adjectives. Every figure links to its method.
€XXXm
Receivables financed
Cumulative gross value of construction invoices advanced into the real economy.
methodology0%
Green-tagged renovation
Share of advances against energy-efficient renovation work, tagged to the EU Taxonomy.
taxonomy note0h
Average payout
Median time from verified invoice to funds disbursed, measured against our service SLA.
SLAX.X%
Historical loss rate
Realised credit losses across the seasoned receivables book, by vintage.
portfolio reportBuilt & affiliated to
- InvestEU-aligned
- EU-Taxonomy ready
- STS-eligible
- ISO 27001
- GDPR
- FCI / EUF member
- Audited by [Auditor]
- Rated by [Agency]
The lifecycle
From a single invoice to capital-markets funding.
One flow, end to end — the same controls that get a contractor paid in 24 hours make the book financeable by development banks and investors.
Step 1 / 6
Invoice
A certified invoice comes in
A contractor uploads an invoice for work already certified by the project. No new debt — just receivables they have already earned.
- Onboarding
- Digital
- Eligibility
- Certified work
Step 2 / 6
Verification
We verify the work and the debtor
We confirm the certification, the debtor's standing and any retention or set-off — the construction-specific risks that generic factors miss.
- Debtor check
- Independent
- Dilution
- Reserved
Step 3 / 6
Advance
Cash on site in 24 hours
We advance up to XX% of the certified value, typically within 24 hours, straight into the firm's working capital.
- Advance rate
- up to XX%
- Payout
- 24h
Step 4 / 6
Collection
We collect from the debtor
We service the receivable to maturity and collect from the debtor, so the SME never chases payment — and we hold the credit risk we underwrote.
- Servicing
- In-house
- SME effort
- None
Step 5 / 6
Portfolio
Every advance joins a diversified book
Each receivable is tagged — segment, geography, debtor, green status — and pooled into a diversified, concentration-limited portfolio.
- Green-tagged
- 38%
- Limits
- Per-debtor
Step 6 / 6
Securitisation / Guarantee
Financed by banks and capital markets
The seasoned book is structured to be financed by development banks and investors through STS-eligible securitisation and portfolio guarantees — the institutional door.
- Structure
- STS-eligible
- Risk-sharing
- Guarantee-ready
Who we finance
One platform, four very different cash-flow problems.
For general contractors
Bridge the gap between certification and payment
Main contractors carry the longest receivables and the heaviest supply chains. We turn certified progress claims into working capital so you can pay subcontractors and suppliers on time.
- Advance against certified progress claims
- Cover retention and pay-when-paid gaps
- Keep your supply chain paid and on site
The standards we're built to
Institutional discipline, by default.
Not certifications bolted on after the fact — the frameworks the platform was designed around from day one.
- InvestEU Programme alignment
- EU Taxonomy Green tagging
- STS Securitisation standard
- ISO/IEC 27001 Information security
- GDPR Data protection
- AML / CFT 5AMLD · 6AMLD
- FCI / EUF Factoring membership
- IFRS 9 Expected-loss accounting
- SFDR Sustainability disclosure
- EBA guidelines Originator practice
- KYC / KYB Counterparty due diligence
- Basel-aligned Capital discipline
…and the wider EU regulatory framework set. Frameworks and standards only — no client logos.
Impact & additionality
Additionality you can measure, not assert.
Every invoice we advance keeps a European construction SME solvent, a project on schedule, and people on site — closing a financing gap the market leaves open.
XXX
Construction SMEs supported
Distinct small and medium construction firms financed to date.
sourceX,XXX
Jobs sustained on financed projects
Estimated employment kept on site through advanced working capital.
methodologyInsights
Thinking on construction finance, policy and the green transition.
- Construction finance
Why construction carries Europe's longest payment terms — and what it costs the real economy
Construction firms wait longer to get paid than almost any other sector. The structural reasons are well understood — and so is the fix.
18 May 2026 · 7 min read Read now - Sustainability
Energy-efficient renovation is a financing problem before it is a building problem
Europe's building stock won't decarbonise without working capital reaching the SMEs doing deep renovation. Here is where the money gets stuck.
29 Apr 2026 · 6 min read Read now - Regulation
How risk-sharing turns a receivables book into investable infrastructure
Portfolio guarantees and STS securitisation let development banks and investors back the real economy without taking first-loss on every invoice. Here is the mechanism.
31 Mar 2026 · 8 min read Read now
Keep Europe building. Get paid today.
Two doors: finance your construction invoices, or partner with us on risk-sharing.
INVESTEU-ALIGNED · ISO 27001 · GDPR