Stop waiting 60–90 days for payment on work already completed. Amber Finance helps construction businesses across Wolverhampton, Birmingham, Dudley, and Walsall release up to 90% of their invoice value within 24 hours — improving cashflow and enabling you to take on more contracts.
The construction industry faces cashflow challenges that most other sectors do not. Long payment cycles, retentions, stage payments, and the cost of mobilising on new contracts all place enormous pressure on working capital — particularly for SME contractors and subcontractors operating across the West Midlands.
Amber Finance is a Wolverhampton-based invoice finance broker with over a decade of experience arranging funding for construction businesses. We work with a panel of 50+ lenders, including specialists who understand JCT contracts, CIS deductions, and the unique payment structures of the construction sector.
Whether you are a groundworker in Dudley, an electrical contractor in Birmingham, a scaffolding company in Walsall, or a main contractor in Wolverhampton, we can find the right invoice finance facility to keep your cashflow moving.
Construction businesses face unique financial pressures. Invoice finance is designed to solve them.
Construction payment terms of 60–90 days are common, leaving firms waiting months for money already earned on site.
Retentions of 3–5% held back on every application tie up significant working capital, often for 12 months or more.
Winning a large contract in Birmingham or Wolverhampton means upfront labour and material costs before any payment arrives.
Weather-dependent workloads create peaks and troughs in cashflow that are difficult to manage without flexible funding.
Advance rate
Up to 90%
Funding speed
24 hours
Facility size
£50k – £10m+
Setup time
7–14 days
Based in Wolverhampton, we arrange construction invoice finance for businesses throughout the West Midlands and beyond.
Construction invoice finance works by advancing up to 90% of the value of your certified applications for payment or invoices within 24 hours. Once your client pays, the remaining balance is released minus the lender's fee. As a West Midlands broker we work with lenders who understand the construction sector's unique payment cycles, including JCT contracts and retention clauses.
Yes. Many specialist construction finance lenders will advance against the non-retention portion of your invoices. Some lenders also offer retention release products. We will match you with lenders experienced in construction retentions so you are not penalised for standard contract terms.
We work with groundworkers, civil engineers, electrical and mechanical contractors, fit-out specialists, roofing companies, scaffolding firms, and main contractors across Wolverhampton, Birmingham, Dudley, Walsall, and the wider West Midlands. If you invoice B2B clients on credit terms, we can almost certainly help.
Most construction businesses in the West Midlands can have a facility in place within 7–14 working days of application. Once the facility is live, funds are typically released within 24 hours of submitting an invoice or application for payment.
Yes, invoice finance is widely used by subcontractors across the West Midlands. The key requirement is that you invoice other businesses (not consumers) on credit terms. We work with lenders who specialise in subcontractor funding and understand the payment structures used in the construction industry.
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