Construction
Numarqe gives construction businesses project-level budget control, automated subcontractor payments, milestone-linked payment releases and real-time spend visibility — replacing the fragmented, manual processes that cause cash flow imbalances, subcontractor disputes and project cost overruns.
The challenge
Capital-intensive projects, complex payment cycles and high-volume subcontractor networks create financial management challenges that construction businesses have historically managed with spreadsheets, emails and manual bank transfers.
Payments arrive in large tranches tied to project milestones while operational costs — labour, materials, plant, subcontractors — are incurred daily. The gap between cash in and cash out creates constant working capital pressure that standard banking facilities don't address.
Dozens of subcontractors across every major project — each with their own payment terms, retention arrangements and currency requirements. Managing this volume manually creates errors, disputes and damaged relationships that directly threaten project completion timelines.
Purchase orders raised informally, material procurement tracked in spreadsheets, supplier invoices matched manually — no unified system connecting what was ordered, what was delivered and what should be paid. Cost overruns discovered at month-end, not when they happen.
Payment tranches tied to construction milestones — groundworks, structure, fit-out, handover — with no systematic tracking of what has been verified as complete and what payment is therefore due. Finance pays on invoice receipt rather than on confirmed delivery.
Project P&L is only visible at month-end, after manual consolidation of costs from multiple systems. By the time finance spots an overspend on materials, plant or subcontractor costs, the project is already over budget.
Contractor and subcontractor retention — typically 3–5% of contract value held until practical completion — is tracked manually in spreadsheets. Errors in retention calculations create disputes that delay final accounts and damage long-term relationships.
How Numarqe helps
Numarqe gives construction finance teams real-time project-level visibility, automated subcontractor payment workflows and milestone-linked payment controls — replacing the manual processes that cause cash flow pressure and project cost overruns.
Set and track budgets at project level — by trade package, cost category, phase and entity. Every PO raised, every invoice received and every payment made is reflected against the project budget in real time. Variances surface immediately, not at month-end.
Process high-volume subcontractor invoices in batch runs with AI extraction and PO matching. Milestone-linked payment releases ensure subcontractors are paid on verified delivery — protecting project cash flow while maintaining the relationships that keep projects on programme.
Attach payment tranches directly to verified project milestones. Payment is only released when a milestone is confirmed complete — giving clients and project managers confidence that cash is flowing in line with progress, not ahead of it.
Raise supplier PO's against project budgets, track delivery against schedule, match invoices automatically and route for approval — all in one workflow. From the first material order to the final retention release, every payment is controlled and traceable.
Project-level control, automated subcontractor payments and real-time cash flow visibility — in one connected platform.
Every committed cost, every outstanding invoice and every payment due is visible against your project budget in real time — enabling proactive cash flow management instead of reactive firefighting.
Every payment is authorised against a verified delivery, matched to a PO and approved through your configured workflow. Duplicate invoices, over-payments and unauthorised commitments are caught before money leaves the business.
Prompt, accurate payments backed by clear digital records eliminate the disputes and delays that damage subcontractor relationships and threaten project completion — protecting both programme and reputation.
Target accounts
UK mid-market civil engineering, specialist contracting and building businesses with £20m–£200m revenue and complex project-based payment workflows.
Numarqe’s platform is super flexible, paying our suppliers is quick and easy with customisable approval sequences and clear dashboards that help with spend analysis and reporting
FD — Mid-Market Construction Company
Book a 30-minute call. We'll walk through how Numarqe maps to your project structure, subcontractor network and cash flow management requirements.
