Selective Invoice Finance for Government Contracts | Financefair

Skip to content

60 to 90 day public sector payment terms create structural pressure
If you deliver into public sector supply chains, you already understand the cycle.

Work is delivered and certified.
Payment follows 60 to 90 days later.

During that period:
• Payroll must run
• Suppliers require payment
• Equipment and leasing commitments remain fixed
• Multiple frameworks progress at different stages

As project volumes increase, more cash becomes concentrated in certified work awaiting payment.

Even profitable contractors experience sustained working capital pressure while executing public sector projects.

Financefair was built to address structural working capital gaps faced by growing businesses.

For contractors operating within public sector supply chains, this gap is often driven by certification cycles, staged billing and extended 60 to 90 day payment terms.

Our approach focuses on flexible, non dilutive funding aligned to real business performance and live contract delivery.

Decisions are data driven and designed to move at the pace of project execution.

Funding scales as invoiced work progresses, supporting payroll, supplier commitments and mobilisation across multiple active frameworks.

Financefair does not aim to replace traditional funding. We exist to support businesses at the point where traditional options no longer fit.

Do we have to finance all our invoices?

No. You choose which invoices to finance. There is no requirement to fund your full debtor book.

Will our clients know we are using invoice finance?

Facilities can be structured on a non disclosed basis depending on the situation, so client relationships are not disrupted.

Does this require personal guarantees?

No personal guarantees are required. Funding is based on invoice value and customer credit.

How quickly can funds be advanced?

Once approved and invoices are uploaded, funds are typically advanced promptly, subject to documentation and verification.

Is this suitable for early stage startups?

No. Selective invoice finance is designed for established contractors with invoiced revenue and public sector exposure. It is not intended for pre revenue or distressed businesses.

How is this different from traditional invoice discounting?

Selective invoice finance allows you to fund specific invoices without committing your full debtor book. It offers flexibility aligned to certified work and staged billing structures, rather than fixed full book facilities.