2025-06-22 08:00
publication
2025-06-22 08:00
The SME in construction experiences problems with financial liquidity – according to a study prepared at the request of FinTech Casha. 73 percent Small and medium -sized construction companies must engage his own funds before receiving the first payment from the investor, and 67 percent He struggles with delays in payments.
The purpose of the study “Financial liquidity of the SME in construction 2025” was to examine how small and medium -sized enterprises cope with financing ongoing operations, payment congestion and the risk of liquidity loss.
“For many construction companies, especially from the SME segment, financial liquidity is not only a challenge today, but even a daily struggle for survival. We often hear from entrepreneurs from this sector:” We have invoices, but money, but not “. This is a real problem that inhibits development and increases the operational risk,” said Edmund Kubieczka, sales director and partner in Cashy.
The study shows that the vast majority of construction companies (69 percent) issue invoices within a week of the completion of work – 39 percent. He does it immediately, and 30 percent. within 7 days. Despite the high discipline in the field of invoicing, 30-day payment dates (used by 55 % of companies) remain a common standard.
“Despite the relatively fast invoicing, as many as 67 % of companies experience delays in payments from contractors. Only every third company (27 percent) can count on transfers implemented exactly on time,” it was written.
It was indicated that the problems with liquidity at the clients, the complexity of formal processes or the “Pay-When-Paid” model further deepen the scale of payment gridlocks.
“These realities show that most small and medium -sized building enterprises are waiting for up to 44 days and more for it until the money due to them appears in the company. This is a serious challenge not only for their financial stability, but also for the entire sector,” said Edmund Kubka.
73 percent construction companies declare the need to engage your own funds before obtaining the first payment from the investor.
“For 20 percent it is a common practice, half does it sporadically, in exceptional situations, and only 1 on 3 companies (27 percent) can carry out work without starting their own capital,” it was written.
“This is particularly severe in the case of smaller enterprises and companies from the engineering construction segment, where access to external financing can be limited” – added.
As stated, in response to limited availability of loans and instability of cash flows, construction companies reach for various financial solutions. The most commonly used are rotary loans (31 percent), leasing (27 percent) and postponing payments for contractors (29 %). Opto is also gaining more and more popularity – 60 percent.
“In conditions of rising financing costs and high market uncertainty, it is often a safer and simpler alternative to loans or factoring,” informs the sales director and partner at Casha.
The report “Financial liquidity of the SME in construction 2025” was developed on the basis of a study conducted by the CAWI method on March 19-20, 2025. 187 construction companies from all over Poland took part in it, representing segments of buildings, specialist works and engineering construction.
Respondents were decision -making people who had knowledge about the finances of companies. The study was carried out at the request of FinTech Casha by Uce Research, and the report was developed by PMR Market Experts experts.
Cashy is a Polish fintech offering a B2B solution that allows large companies to earn money on accelerating the invoices of their suppliers. (PAP Biznes)
Gaw/ ASA/
