Can I Finance Retentions (Held-Back Money) on Construction Jobs?
Standard invoice finance doesn't cover retentions, you get advances on the gross invoice minus retention. However, some providers offer separate retention release facilities that advance against retentions once the defects liability period is near its end. Ask specifically.
OM
Director, Market Invoice
Oliver leads Market Invoice's editorial and comparison research. With a background in UK commercial finance, he oversees provider analysis, rate verification, and industry reporting across all verticals.
Last reviewed: 9 April 2026