Skip to content
Ledger & LockFinance & security

Construction

Financial leadership for construction companies and contractors

Construction businesses live and die by contract margins and cash flow. Valuations, applications for payment, variations, retentions and subcontractor payments all need to be managed tightly, often across several projects at once.

What drives performance

The numbers that matter most in your sector.

  • Contract margins and cost-to-complete
  • Valuations, applications for payment and variations
  • Retentions and payment terms
  • Subcontractor and supplier costs
  • Pipeline and tender pricing

Common challenges

What we often see in construction.

Margins that only show at the end

Without cost-to-complete reporting by project, a loss-making contract is often only discovered once it is too late to act.

Cash flow gaps

Paying subcontractors and suppliers before applications for payment are certified and paid puts heavy pressure on cash.

Retentions and disputes

Unrecovered retentions and disputed variations quietly erode profit and cash.

Tender pricing

Pricing new work without reliable data from past jobs risks winning contracts that don't make money.

Payment fraud

Large, regular payments to subcontractors make construction a frequent target for bank-detail change fraud.

How well do you know your numbers?

Take the one-minute check

An illustrative scenario

How it typically plays out.

This is an illustrative example of a common pattern, not a description of a specific client or event.
  1. 1

    A contractor runs six projects at once and reports profit for the business as a whole.

  2. 2

    Two projects are quietly running over budget, hidden by the others.

  3. 3

    The losses only emerge at final account, alongside unrecovered retentions.

  4. 4

    Monthly project reporting with cost-to-complete would have flagged both within weeks.

Next step

Talk to people who understand your sector's numbers.

An introductory conversation is free. We'll ask about your margins, cash and plans, and tell you honestly where senior finance support would make the biggest difference.

  • 30 to 45 minutes, by video or in person

    At a time that suits you.

  • A conversation, not a sales pitch

    We want to understand your business first.

  • A clear proposal

    If we can help, you will know what we suggest and what it will cost.