Cashflow survival for contractors waiting on client payments

A profitable contract can still put pressure on your business when mobilisation costs arrive weeks before the client pays. Strong cashflow planning keeps the site moving without hiding the true cost of the job.

Build a milestone calendar

Map every expected certificate, invoice, approval, and payment date against payroll, materials, transport, equipment, and subcontractor costs. Add realistic approval delays instead of planning around the earliest possible payment.

Match finance to a specific gap

Short-term credit should bridge a defined milestone, not cover an open-ended project deficit. Identify the exact expense, the expected repayment source, and the date that source becomes available.

Protect your operating reserve

Do not commit every available naira to one site. Keep a reserve for safety issues, small variations, and essential overhead. Include interest and fees in the project margin before accepting a facility.