About [Company]
Built so the firms that build Europe never wait to get paid.
[Company] is a construction-sector receivables financier. We turn certified invoices into same-day working capital across [region] — and structure the resulting portfolios to be financed by development banks and capital markets. One business, two doors: liquidity for SMEs, underwritable risk-sharing for institutions.
Our mission
Keep cash in the real economy, not in someone else's ledger.
Construction carries the longest payment terms in the European economy, and the smallest firms carry them least comfortably. That gap stalls projects, strains supply chains and pushes otherwise healthy SMEs into insolvency. Our mission is narrow and concrete: pay them today against work they have already earned, and finance it to institutional standards so the model scales.
- Advance against certified work — receivables already earned, no new leverage
- Underwriting built for retention, set-off and pay-when-paid
- Portfolios structured to be financed, not just originated
One business, two doors
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For construction SMEs
Same-day working capital against certified invoices.
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For banks & investors
STS-eligible, audited, EU-Taxonomy-tagged risk-sharing.
Governance & independent risk
Roles built for accountability, with risk held independently.
We describe the functions, not personalities. The structure is deliberate: origination and credit decisioning are separated, and risk sits independently of commercial targets so underwriting discipline survives growth.
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Chief Executive
Owns strategy, capital structure and the relationship with funding counterparties — accountable to the board for both the financial and the impact mandate.
- Independent of origination
Chief Risk Officer
Holds credit, fraud and concentration policy independently of origination, with authority over the risk appetite framework, dilution reserves and the verification standard.
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Head of Origination
Builds the SME pipeline and debtor relationships across the segments we finance — but does not set or override credit decisions.
- Non-executive oversight
Independent Board
Provides oversight and challenge on risk, compliance and the dual mandate, with non-executive members independent of management and day-to-day operations.
Why now
A financing gap the market leaves deliberately open.
Generic factors avoid construction because its receivables are hard: long-dated, certification-dependent, exposed to dilution. Banks ration working capital to the sector precisely when Europe is asking it to build more housing and retrofit its building stock. [Company] exists to underwrite that risk properly rather than price it away — closing a gap that public-investment programmes are explicitly trying to close, with infrastructure built for it from day one.
- InvestEU-aligned, EU-Taxonomy-ready, STS-eligible from the outset
- Construction-specific verification and dilution reserves
- Designed for development-bank and capital-markets funding
Built for the gap
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Underserved by banks
Working capital rationed exactly where Europe needs more building.
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Underwritten, not avoided
Construction risk priced and reserved for, not walked away from.
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Aligned with public priorities
Closing a gap InvestEU and the Taxonomy are built to close.
Backers & affiliations
We name frameworks, not logos.
Per our content discipline, we do not display client names, partner-bank logos or testimonials. What we do name are the standards and programmes our business is built to satisfy — the bar a public-investment evaluator actually checks against. Independent audit and external rating are wired into how the portfolio is reported, not bolted on after the fact.
- Aligned with the InvestEU programme and EU-Taxonomy reporting
- STS-eligible securitisation and AAA-guarantor-ready structures
- ISO/IEC 27001 information security and GDPR-compliant data handling
- Independently audited by [Auditor]; externally rated by [Agency]
Built & affiliated to
- InvestEU-aligned
- EU-Taxonomy ready
- STS-eligible
- ISO 27001
- GDPR
- FCI / EUF member
- Audited by [Auditor]
- Rated by [Agency]
Frameworks and standards only — no client names, partner-bank logos or testimonials.
Newsroom
How we think about construction risk, in the open.
We publish our perspective on payment terms, dilution, EU-Taxonomy tagging and the institutional case for financing construction receivables — the same analysis we take into the data room. Read the thinking before you talk to the funding team.
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Why construction receivables behave differently
Retention, set-off and pay-when-paid — and how we underwrite them.
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Tagging renovation to the EU Taxonomy
Evidencing the green claim at the receivable level.
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The institutional case for factoring construction
From originated portfolio to STS-eligible financing.
Keep Europe building. Get paid today.
Two doors: finance your construction invoices, or partner with us on risk-sharing.
INVESTEU-ALIGNED · ISO 27001 · GDPR