- 30–90 day retentionsCash is trapped in retention while wages, materials and subcontractors need paying now.
- Material price spikesSteel, cement and fuel volatility blows out priced contracts.
- Plant & equipment cyclesTLBs, compactors and trucks need replacing on tight project timelines.
Funding for South African contractors and civils firms
Bridge retentions, fund plant and equipment, and cover payroll while you wait for progress payments. Built for the cash-flow shape of construction.
Most construction and civils contractors on Funder are funded in this range. Match speed depends on document quality and the lender's underwriting model.
Get your fundability scoreRecommended funding for construction and civils contractors
Advance up to 80% of progress invoices while you wait 30–90 days for payment.
Fund yellow metal, trucks and site equipment with the asset as security.
Cover materials and subcontractors on signed government or corporate contracts.
Construction funding FAQs
Yes. Purchase order and contract finance pays your suppliers and subcontractors directly against signed orders from creditworthy buyers (government, corporates, JSE-listed clients).
Yes. Asset finance for TLBs, compactors, excavators and trucks is widely available with deposits from 10–20% and terms up to 60 months.
Invoice finance lenders on Funder advance against certified progress invoices, releasing trapped cash to fund the next project.
Ready to match with construction lenders?
60-second eligibility check. No credit footprint. Routed straight into your full application.
Other industries we fund
Browse a neighbouring sector, or start from the funding product you already have in mind.