Contract
Payment mechanism
Share the relevant contract, amendments, milestones, valuation dates and payment terms.
Specialist invoice finance
Construction invoice finance and payment applications
Direct answer: some construction invoices, payment certificates or applications for payment may be considered by specialist providers. Eligibility depends on the contract, valuation and notice process, amount due, retention, disputes, payer and supporting evidence.
NBS Finance is a commercial finance broker and introducer, not a lender or legal adviser. A specialist provider decides eligibility, availability, charges and terms.
What information helps?
Documents
Amount requested and assessed
Provide the application, invoice or certificate, supporting valuation and the amount currently due.
Payment risk
Notices, retention and disputes
Identify pay-less notices, set-off, contra charges, defects, retention and any disagreement immediately.
Also explain the payer, project, completed work, payment history and whether one contractor or project represents a large share of the business.
Construction payment document quick check
| Position | What it shows | What still needs checking |
|---|---|---|
| Application for payment | The amount the applicant believes is due | Contract, valuation, notices, completed work and payer response |
| Payment certificate | An assessed or certified amount | Retention, deductions, set-off, dispute and payment conditions |
| Retention | An amount withheld until stated conditions are met | It may be excluded from current availability |
| Pay-less notice or dispute | The amount due may be challenged or reduced | Disclose it before any eligibility discussion |
Submission or acknowledgement alone does not make an application an approved debt. This page is general information, not advice on construction contracts or payment notices.
How the specialist enquiry progresses
Share the payment pack
Provide the contract, application or certificate, valuation, notices, payer and amount sought.
Clarify the position
NBS Finance discusses document status, retention, disputes, payment history and project concentration.
Specialist assessment
Where an appropriate route is identified, the provider reviews the debt, payer, contract and wider business.
Construction invoice finance questions
Is every application for payment financeable?
No. An application is not automatically an approved debt. Its status and eligibility depend on the complete contractual and payment position.
Does a payment certificate guarantee funding?
No. Certification can strengthen evidence of an amount, but a provider still considers deductions, retention, dispute and payer risk.
Can retention be included?
Retention is often treated separately because it is not yet payable or depends on future contractual conditions.
What if a pay-less notice has been issued?
Disclose it immediately. It can alter the amount due and may affect whether the related sum is eligible.
Document status matters
Understand applications and certificates
The specialist guide explains why valuation, certification, retention, notices and disputes change the assessment.
Tell us about the payment document
Start with the contract, amount, document status, payer and any retention, notice or dispute.