I have a chance to tender for a government or NHS contract — how do I fund delivery?

Public-sector contracts are reliable but slow to pay; finance funds delivery up front so long payment terms don't lock up the cash you need to run the work. Public-sector work is dependable and often sizeable, but payment terms can stretch to 30, 60 or 90 days. You deliver — paying staff and suppliers — long before the money arrives.

I have a chance to tender for a government or

2 min read

Reliable payerBut slow terms

Fund deliveryBefore you're paid

Invoice financeReleases cash early

The upside and the catch

Public-sector work is dependable and often sizeable, but payment terms can stretch to 30, 60 or 90 days. You deliver — paying staff and suppliers — long before the money arrives.

Fund the delivery gap

A working-capital facility covers the cost of delivering, and invoice finance releases most of each invoice's value as soon as you bill. Together they turn slow terms into manageable cash flow.

Price the finance into the tender

Factor the cost of funding long payment terms into your bid so the margin holds. A contract that ignores its own cash cost can win the work and lose money.

What it means for you

Credicorp lends to your company, not to you personally, and takes no personal guarantee. See business loans or apply online when the numbers work.

Frequently asked questions

How do I fund a contract that pays after 90 days?

Invoice finance releases most of each invoice's value straight away, and a working-capital facility covers delivery costs. You are paid promptly by the finance while the client pays on their own slow terms.

Are public-sector contracts good security for borrowing?

A confirmed contract from a reliable payer strengthens an application, because it shows predictable future income. Lenders view dependable public-sector revenue favourably.