Impact & Sustainability
Liquidity for the firms that build Europe.
Construction carries Europe's longest payment terms, and the small firms delivering its housing, energy-efficiency and infrastructure agenda are the least able to absorb them. [Company] closes that gap — advancing certified work into same-day working capital, keeping SMEs solvent, projects on schedule and people on site.
Impact to date
The gap we close, in numbers.
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.
methodologyXX%
Supporting energy-efficient renovation
Share of financing directed at projects improving the energy performance of Europe's building stock.
taxonomy note0%
Green-tagged renovation
Share of advances against energy-efficient renovation work, tagged to the EU Taxonomy.
taxonomy noteAdditionality
Cash that reaches the firms doing the work.
Factoring is additional when it funds activity the market would otherwise starve. Construction receivables — long-dated, sector-specific, full of retention and set-off — are exactly the working capital generic lenders avoid. Every euro we advance leaves a debtor's ledger and lands in a European SME's account, financing payroll, materials and the next project rather than the float of a slow-paying counterparty.
- Working capital placed directly with construction SMEs, not left in debtor ledgers
- Funding against certified work already earned — no new leverage on the firm
- Reaches subcontractors and trades the banking system underserves most
- Measured by funds disbursed into the real economy, not assets under management
Into the real economy
€XXXm
Advanced into the real economy
Working capital placed directly with construction SMEs rather than left in debtor ledgers.
methodologyXXX
Construction SMEs supported
Distinct small and medium construction firms financed to date.
sourceAlignment with EU priorities
One financing gap, four European objectives.
The same liquidity that keeps a construction SME trading advances several of the Union's stated priorities at once — which is what makes it a candidate for public co-investment rather than a private margin play.
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SME competitiveness
Construction is dominated by micro and small firms operating on thin cash buffers. Reliable, same-day liquidity lets them bid, hire and grow instead of rationing work to match a 90-day payment cycle.
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Housing & infrastructure delivery
Late payment stalls sites and pushes firms into insolvency mid-project. Bridging certification-to-payment keeps Europe's housing and infrastructure pipeline moving on schedule.
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Energy autonomy
Energy-efficient renovation cuts demand at source. Financing the trades that decarbonise the building stock supports both the climate and energy-security agendas — and is tagged to the EU Taxonomy.
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Supply-chain resilience
When a main contractor is paid but its subcontractors are not, the whole chain is at risk. Keeping the chain liquid protects jobs and capacity across the real economy.
EU-Taxonomy alignment
Green where it is verifiably green.
A material share of what we finance is energy-efficient renovation — deep retrofits, building-envelope upgrades and heating-system replacement that improve the energy performance of Europe's existing stock. We tag those advances against the EU Taxonomy's substantial-contribution criteria for climate-change mitigation, so the green claim is evidenced at the receivable level rather than asserted at the fund level.
- Renovation advances mapped to EU-Taxonomy climate-mitigation criteria
- Green status carried as a tag on every individual receivable
- SFDR-ready reporting on the share of activity that is taxonomy-aligned
- No green premium charged — the same terms, transparently labelled
Renovation is where Europe's climate and housing agendas meet — and where SMEs most need liquidity, because grant disbursement and milestone payments routinely lag the work. We bridge that gap so deep-renovation projects stay on schedule and the firms doing them are not the ones financing the delay.
0%
Green-tagged renovation
Share of advances against energy-efficient renovation work, tagged to the EU Taxonomy.
taxonomy noteA dual bottom line
Two bottom lines, measured on equal terms.
This is the one place we hold two columns in deliberate balance. A facility built on construction receivables is underwritten to return capital — and engineered, from the same cash flows, to deliver measurable real-economy and climate impact. Neither is a by-product of the other.
The financial return
- Short-dated, self-liquidating receivables against certified work
- Diversified by segment, geography and debtor, with concentration limits
- Dilution and fraud reserves sized to construction-specific risk
- Structured for STS-eligible securitisation and portfolio guarantees
The impact return
- European construction SMEs kept solvent and trading
- Jobs sustained on financed sites through reliable working capital
- Energy-efficient renovation financed and EU-Taxonomy-tagged
- Additionality: liquidity the market leaves on the table
Standards we report against
Impact you can audit, not just narrate.
Every figure on this page is rendered from a sourced metric, and the frameworks below set the bar we report against. [Company] is built to be evaluated by development banks and public-investment counterparties — which means additionality, taxonomy alignment and governance are evidenced, independently checked and open to the data room.
Built & affiliated to
- InvestEU-aligned
- EU-Taxonomy ready
- STS-eligible
- ISO 27001
- GDPR
- FCI / EUF member
- Audited by [Auditor]
- Rated by [Agency]
Keep Europe building. Get paid today.
Two doors: finance your construction invoices, or partner with us on risk-sharing.
INVESTEU-ALIGNED · ISO 27001 · GDPR