Civil engineering firms tackle some of the most capital-intensive contracts in construction: road schemes, drainage infrastructure, flood defence, and utilities work all require substantial upfront mobilisation. Credicorp lends to the company, not the individual, so directors retain their personal financial separation.
Mobilisation costs on large contracts
A civil engineering contract can require significant plant, labour, materials, and temporary works before the first application for payment is submitted. Even where stage payments are agreed, the initial mobilisation period — setting up compounds, bringing plant to site, and completing enabling works — is rarely fully funded by the client upfront. A Business Loan provides a fixed lump sum for this phase, with repayments structured to align with your payment application cycle.
Revolving finance across a multi-contract programme
Civil engineering companies often run several contracts simultaneously. Credicorp Flex operates as a standing revolving credit facility: draw as each new contract mobilises, repay as applications for payment are certified, and keep the facility available across your programme. You pay only on the balance in use.
Managing large single-supplier invoices
Concrete, aggregates, drainage systems, and structural materials often arrive as high-value single orders. Credicorp Slice spreads one supplier invoice across three or four weekly instalments at a flat 6% fee, reducing the single-day cash impact of a large material delivery.
- Plant hire and fuel at project mobilisation
- Bulk materials: concrete, aggregate, pipe systems
- Labour packages for enabling and infrastructure works
- Specialist subcontractors: piling, dewatering, groundworks
We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.
See also: Can a groundwork contractor get business finance without a personal guarantee?, Business finance for demolition contractors, How does plant hire finance work for limited companies?