Sectors / Construction & public works

Sector 01 Construction & public works

Factoring and confirming for construction.

Projects take months. Payments take longer. Your treasury cannot wait.

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60-90dconstruction DSO
15-25%gross margin
120d+public sector

The challenge

Construction is one of the sectors with the longest payment terms in Portugal — 60 to 90 days, and over 120 in the public sector. Slow progress certificates, guarantee retentions and concentration on a single project owner strain treasury on every project.

The solution

Factoring advances approved progress certificates and project invoices in 24-48 hours. Confirming extends payment to materials suppliers without harming the relationship — or the project schedule.

Sector figures

  • Average construction DSO: 60-90 days
  • Typical gross margin: 15-25%
  • Main risk: concentration on a single project owner

How Advanta adapts to your sector

Construction has lower margins and longer terms. Advanta applies sector-specific benchmarks (CAE 41-43) and assesses the concentration risk on the main project owner, instead of a generic score.

How to start

Sign upCreate your account at app.advanta.pt in minutes, no card.
Connect your ERPTOConline, Primavera, PHC GO or 8 others — reading is automatic.
See your Advanta ScoreThe risk assessment that banks and funders will see.
Submit invoices or requestsFactoring on receivables, or confirming requests to suppliers.
Receive an offerBanks and funders respond, typically in 24-48 hours.
CalcDSO calculator CalcWorking capital DiagDiagnostic PricePricing

Put your sector's treasury to work.

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reply within <1 business day · diogo@advanta.pt