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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1–2business days to get paid, after a funder approves
0 €monthly fee, no card
EUyour customers can be anywhere in the EU

The challenge

Construction is one of the sectors with the longest payment terms, and public project owners often take longer still. 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: once a bank or funder approves, the money arrives in 1 to 2 business days. Confirming extends payment to materials suppliers without harming the relationship or the project schedule.

What shapes the sector

  • Payment terms: long, and longer still with public project owners
  • Margins: tight, so every day of waiting weighs on cash
  • Main risk: concentration on a single project owner

How Advanta adapts to your sector

Construction has lower margins and longer terms. The risk analysis treats construction (NACE 41-43) as its own sector and assesses the concentration risk on the main project owner, instead of a generic score.

How to start

Request accessTell us about your company, no card needed. The team replies within one business day.
Bring in your invoicesConnect your accounting software (34 direct connections, from TOConline and Holded to SAP and Business Central) or upload your invoices as a file: CSV or Excel, SAF-T, e-invoices (Facturae, UBL/Peppol, CII/Factur-X, FatturaPA and more) and accounting files (FEC, DATEV, XAF). See every connection and format
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 offerA bank or funder decides. Once it approves, the money arrives in 1 to 2 business days.
CalcDSO calculator CalcWorking capital DiagDiagnostic PricePricing

Put your sector's treasury to work.

Start free

Request access, then connect your accounting software or upload your invoices to see your eligibility. No card, no monthly fee.

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Talk to us

A 30-minute diagnostic with your company's real numbers.

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