Construction plant and machinery finance

The situation in this sector

Work is won before the kit is on site, and paid for long after. Retention, staged payments and the gap between starting a job and invoicing for it all mean the machine has to be funded before the contract that justifies it pays anything at all.

Awaiting Darren: Confirm this is how cash actually moves here, and correct it if not. Question 2 on the capture sheet.

What we fund in this sector

Awaiting Darren: Named asset types only, not "equipment". Specific machines and specific vehicles, with the value range you typically see. Question 1.

• [ asset 1 ]
• [ asset 2 ]
• [ asset 3 ]

Which products tend to suit

The products this sector most often ends up using:

• Vehicle & asset finance
• Refinance
• Invoice finance

Awaiting Darren: One sentence per product on why it fits this sector specifically. Question 3, on lender appetite, belongs here too.

What tends to go wrong

Awaiting Darren: The honest block. Sector-specific pitfalls, and what customers here consistently misunderstand. Question 4. This is the block competitors will not have.

Questions from this sector

Awaiting Darren: Five or six questions in this sector's own vocabulary, 40 to 70 words each. Question 6 is the one that makes this page rank. FAQPage markup goes on once the questions are real.

What Darren needs to answer

Twenty minutes is enough. Section 8c of the guardrails.

1. What specific assets have you actually funded in this sector, and roughly what value range?
2. How does money move in this sector? When do they get paid, and what does that do to their cash flow?
3. What do lenders think about this sector? Which ones like it, which ones will not touch it?
4. What do customers in this sector consistently get wrong or misunderstand?
5. What is the trigger that makes someone in this sector pick up the phone?
6. What vocabulary do they use that outsiders would not? Use their words in the H2s.