Building & Construction
Builders, subcontractors and project-based contractors.
Explore →Funding by industry
Cash flow works differently in every industry.
Explore sector-specific information built around project timing, payroll, stock, tax obligations, R&D expenditure and other operating realities.
Industry pathways
Choose the operating model closest to yours.
Each page explains common funding purposes and the information that can help prepare a future assessment.
Civil, Excavation & Earthmoving
Plant-intensive civil and earthmoving contractors.
Explore →Electrical Contractors
Project, service and commercial electrical businesses.
Explore →Plumbing & HVAC
Plumbing, mechanical services and HVAC contractors.
Explore →Civil Contractors
Project mobilisation, crews, plant and progress claims.
Explore →Manufacturing
Inventory, production, equipment and customer terms.
Explore →Hospitality
Cafes, restaurants, bars and venue operators.
Explore →Transport & Logistics
Fleet, freight, courier and logistics businesses.
Explore →Retail & Trade
Inventory-led retail, trade and supplier businesses.
Explore →Professional Services
Technical, consulting and project-based service firms.
Explore →Software & Technology R&D
Technology companies with meaningful R&D expenditure.
Explore →Engineering R&D
Engineering, prototype and technical-development businesses.
Explore →Biotech & Medtech R&D
Clinical, laboratory, device and health-technology development.
Explore →Agritech R&D
Field trials, sensors, robotics and agricultural technology.
Explore →Cleantech & Energy R&D
Energy, storage, electrification and clean-technology development.
Explore →One credit principle
The industry story has to reconcile with the numbers.
We assess the purpose, trading history, financial position, liabilities, cash-flow cycle, management information and proposed repayment strategy.
A
Tax debt
Separate the liability by type and explain why it arose.
B
Working capital
Show the timing gap between operating costs and customer receipts.
C
Growth
Connect new capital to measurable capacity, revenue and margin outcomes.