Finance for manufacturing and construction

Finance for businesses that make and build things

Manufacturers, contractors and trades businesses tie up cash in materials, stock and work in progress long before they get paid. Margins vary job by job, and a few bad contracts can wipe out a good year.

We help founders see margin by job or product, forecast cash through the project cycle and stay on top of sector compliance such as the Construction Industry Scheme.

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Clarity on the numbers that matter

Insights and reporting to support better decision making

Gross margin by job, contract or product
Work in progress and stock valuation
Cash tied up in stock, retentions and long payment terms
Labour and materials cost against estimate
Construction Industry Scheme (CIS) returns and the VAT domestic reverse charge
A cash flow forecast across your project pipeline

Common challenges we help with

01
Profitable jobs but no cash
02
Retentions held back for months after a job finishes
03
Finding out a job lost money only once it's finished
04
Material price rises eating into fixed-price quotes

Who this is for

Owner-managed manufacturers, contractors and specialist trades businesses turning over £500k to £10m, with real money tied up in stock, materials and work in progress. You win work on price and deliver it on margin, so a few bad jobs can undo a good year.

You want to know your margin job by job, see cash coming through the project cycle, and have someone senior to talk to before you commit to a new machine, site or contract.

One of our founders spent four years as finance director of a manufacturing business within a US-listed global group, so job costing, stock and working capital are familiar ground.