Can I release cash from construction retentions held back by main contractors?
Yes. Pulse Cashflow and Ultimate Finance offer retentions release finance that advances 60-80% of the retention value today (typically 5% of contract value held back for 12-24 months after practical completion). Fees 4-8% of the released amount. For a £500k project with a £25k retention, that means £15-20k cash today instead of waiting 12 months.
What this means for your business
Yes. Pulse Cashflow and Ultimate Finance offer retentions release finance that advances 60-80% of the retention value today (typically 5% of contract value held back for 12-24 months after practical completion). Fees 4-8% of the released amount. For a £500k project with a £25k retention, that means £15-20k cash today instead of waiting 12 months.
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind Market Invoice. He spent over three years as managing director of Penny, a UK invoice finance business, and his career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library.
Last reviewed: 27 July 2026