InvestEU-aligned working capital now live across [region]. How risk-sharing works

How it works

From certified invoice to cash in twenty-four hours.

Upload an invoice for work already certified, and [Company] advances the cash the same day. We verify the work and the debtor, then service and collect the receivable to maturity — so you stay liquid and never chase a 90-day cheque.

Finance your invoices See advance rates
facility.company.eu/overview
Representative

Facility overview

Updated · live
Portfolio composition
100% verified
  • 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

The 24-hour flow

Five steps from claim to cleared funds.

A single, transparent path from the work you have certified to cash in your account — and then off your plate entirely.

  1. 1

    Upload your certified invoice

    Submit an invoice for work the project has already certified. No new debt and no fixed term — you finance receivables you have already earned.

  2. 2

    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 generic factors miss.

  3. 3

    We advance up to XX% in 24 hours

    Once verified, we advance most of the certified value, typically within a day, straight into your working capital.

  4. 4

    We service and collect

    We manage the receivable to maturity and collect from the debtor, so you never have to chase payment yourself.

  5. 5

    You stay liquid

    Pay your subcontractors, payroll and suppliers on time and keep the next project moving — without financing it out of pocket.

Advance rates & terms

Most of the value, on day one, and the rest when the debtor pays.

We advance the bulk of each certified invoice immediately, then release the balance net of fees on collection. Your rate reflects the debtor's quality and your invoice mix — never a one-size-fits-all spread.

  • Advance up to XX% of certified value
  • Balance released on debtor settlement
  • Recourse and servicing built into the terms
See advance rates

up to XX%

Advance rate

Proportion of certified invoice value advanced on day one.

terms

0h

Average payout

Median time from verified invoice to funds disbursed, measured against our service SLA.

SLA

Verification & servicing

We certify the work and chase the payment.

Every advance is underwritten on verified facts, not optimism: we confirm the certification, the debtor and the dilution profile before a euro moves. Then we service the receivable and collect at maturity, so you never run a credit-control function.

  • Independent certification and debtor checks
  • Dilution and set-off assessed up front
  • In-house servicing — the SME never chases
How verification works

What we verify

  • Work certified by the project Confirmed
  • Debtor standing & limits Independent
  • Retention & set-off Reserved
  • Collection to maturity In-house

Construction-risk handling

Built for how construction receivables actually behave.

Retention, set-off and pay-when-paid make construction invoices different. Underwriting that ignores them mis-prices the risk; ours is built around it.

  • Set-off

    Debtors net counterclaims against what they owe. We assess set-off exposure up front and reserve against it, rather than discovering it at collection.

  • Retention

    A slice of every claim is held back until practical completion. We finance the certified, payable portion and structure around the retained balance.

  • Pay-when-paid

    Subcontractor payment can hinge on the main contractor being paid first. We underwrite the chain, not just the single invoice in front of us.

  • Dilution

    Disputes, variations and credit notes shrink receivables without a credit default. We hold dilution reserves so non-credit reductions never become your problem.

Pricing

Two clear fees, and nothing hidden.

You pay a discount fee on the value we advance and a service fee for verification and collection. No setup charges, no fixed term, no surprises — priced against the risk we actually underwrite.

  • Discount fee on advanced value
  • Service fee for verification & collection
  • No setup costs and no lock-in
See transparent pricing

What you pay

Discount fee
on advanced value
Service fee
verification & collection
Setup & lock-in
None

Questions

What contractors ask before the first invoice.

01 How much of my invoice do you advance?
We advance up to XX% of the certified invoice value on day one, with the balance released — net of fees — once the debtor settles. The exact advance rate depends on the debtor's quality, your invoice mix and retention terms.
02 How fast do I get the cash?
Once an invoice is verified, advances are typically disbursed within 24 hours. The clock starts when we have confirmed the certified work and the debtor — not when you first upload.
03 What does it cost?
Pricing is transparent: a discount fee on the value we advance, plus a service fee for verification and collection. No setup charges and no hidden costs. See the pricing page for how the two components work.
04 Am I locked in to a contract?
No fixed-term lock-in. You finance the invoices you choose, when you choose. There is no minimum volume and no obligation to factor your whole ledger.
05 Which invoices are eligible?
Invoices for construction work that has been certified by the project, owed by a creditworthy debtor. That covers progress claims, completed-works invoices and public-sector receivables across the firms building Europe.
06 What about retention and dilution?
We finance the certified, payable portion of each claim and structure around retained balances. Dilution — set-off, disputes and credit notes — is assessed up front and reserved against, so non-credit reductions stay our problem, not yours.

Keep Europe building. Get paid today.

Two doors: finance your construction invoices, or partner with us on risk-sharing.

Finance invoices For banks & investors

INVESTEU-ALIGNED · ISO 27001 · GDPR