Liquidity Planning for Construction
Massive pre-financing, progress payments, and retention holdbacks — finban gives construction companies the cashflow control they need.
Start free 14-day trialRetentions stay locked for months after handover. Here is how much, and for how long.
- Neubau Musterstraße29.400 €von 420.000 € Auftragsvolumenfrei in 34 Mon.
- Sanierung Ostpark18.200 €von 260.000 € Auftragsvolumenfrei in 19 Mon.
- Halle Nordring12.600 €von 180.000 € Auftragsvolumenfrei in 43 Mon.
Balken = bereits abgelaufene Gewährleistungszeit von 48 Monaten.
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 Lexware Office, sevdesk, and DATEV (coming soon)
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.
“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.
Liquidity Gap
Upcoming liquidity shortfall detected
Learn moreOverdue Receivables
Customers regularly pay late
Learn moreCredit Line Maxed
Credit line is nearly fully utilized
Learn morePayment Default Risk
Receivables with high default risk detected
Learn moreMargin Erosion
Profit margins are shrinking over time
Learn morePlan vs. Actual Deviation
Actual figures deviate from the plan
Learn moreFinance Stacks
Curated finance tool stacks for your industry — see which tools work best together.