Industry

Liquidity Planning for Construction

Massive pre-financing, progress payments, and retention holdbacks — finban gives construction companies the cashflow control they need.

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Challenges

Massive pre-financing of materials and subcontractors before progress payments come in

Retention holdbacks (5–10%) tie up liquidity for months after project completion

Progress payments are often delayed — clients hold back approvals and stretch timelines

Running multiple projects in different construction phases makes planning extremely complex

Material price volatility (steel, timber, concrete) can erode margins overnight

How finban helps

All Projects and Accounts in One View

Connect your business accounts and see the cashflow across all active projects at once. No more manually adding up invoices and incoming payments across different spreadsheets and accounts.

Scenario Planning for Projects and Contracts

What happens if a major contract starts three months late? How does a material price increase affect your margins and cashflow? Plan different scenarios and identify risks before they become emergencies.

Subcontractor and Material Cost Planning

Enter planned payments to subcontractors and material suppliers. finban shows you day by day when which costs are due and whether progress payments will arrive in time to cover them.

Spot Liquidity Bottlenecks Weeks in Advance

Automatic forecasts show you when things will get tight. You can take countermeasures in time — whether by negotiating with clients, adjusting project timelines, or arranging short-term financing.

Key Features

Automatic Bank Connection

All business accounts connected in real time

Cashflow Forecasting

Automatic forecasts across all active projects

Scenario Planning

Project, contract, and price scenarios modeled with ease

Multi-Entity

Multiple companies and project entities consolidated in one dashboard

Contract Management

Subcontractor contracts, leases, and insurance tracked centrally

Accounting Integration

Connected to lexoffice, sevDesk, and DATEV (coming soon)

Liquidity Planning Software

Explore the full Liquidity Planning Software

See how finban brings together bank connections, scenarios, forecasting, and reporting in one tool — built for SMEs, freelancers, and growing companies.

Discover the software

“In construction, liquidity is everything. A single delayed progress payment can bring the entire chain to a halt. With finban, I see weeks ahead when things are about to get critical.”

Markus D., Construction Entrepreneur

Key Financial Signals

finban monitors these signals automatically so you can act before problems arise.

High Burn Rate

Monthly spending exceeds a sustainable level