Finance for construction and infrastructure businesses
Winterfold's capability in this sector can include:
- Equipment and plant finance
- Vehicle and fleet finance
- Working capital
- Contract mobilisation funding
- Surety bonds
- Bank guarantees
- Commercial property finance
- Development finance
- Refinancing
- Debt advisory
The capability statement specifically associates Construction & Infrastructure with equipment finance, bonding, bank guarantees and working capital for contractors and project-based businesses.
Managing the gap between project costs and payments
Construction businesses can face timing gaps between paying employees, suppliers and subcontractors and receiving progress claims.
Retention amounts, certification periods and payment terms can add further pressure.
Working capital finance may help support suitable short-term requirements where the facility is structured around the project cycle and expected repayment source.
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Funding plant and construction equipment
Finance may be considered for:
- Excavators
- Loaders
- Cranes
- Earthmoving equipment
- Trucks
- Trailers
- Commercial vehicles
- Access equipment
- Specialist plant
- Other construction assets
The suitable structure depends on the asset, business cash flow and lender criteria.
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Bonding for tenders and contract performance
Construction and infrastructure contracts can require performance security.
Depending on the contract, this may involve tender bonds, performance bonds, surety facilities or bank guarantees.
The appropriate arrangement depends on the contractual wording, financial strength of the business, available security and existing facilities.
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Funding commercial development projects
Eligible commercial developments may require funding across acquisition, early project costs and construction.
Lenders can consider:
- Project feasibility
- Total development cost
- Borrower contribution
- Planning position
- Builder and project team
- Presales or leasing where relevant
- Market conditions
- Exit strategy
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Related Services
Asset Finance
Finance for equipment, machinery, plant, trucks, vehicles, fleets and other business assets.
Working Capital / Cashflow Funding
Support operating liquidity alongside an equipment purchase.
Commercial Property
Finance business premises, investment property and commercial development.
Construction finance FAQs
Can equipment be financed against a new contract?
A new contract may support the commercial case for equipment finance, but lenders will still assess the wider business, asset and serviceability position.
Can working capital finance support mobilisation?
Potentially. Lenders generally want to understand the contract, mobilisation costs, payment cycle and expected repayment source.
What is a performance bond?
A performance bond supports specified contractual obligations. Its exact terms depend on the contract and bond wording.
How is development finance assessed?
Assessment can include feasibility, costs, borrower contribution, planning status, project team, market position and exit strategy.