What we prepare
For general contractors and subcontractors bidding for public and private construction work. Scope and fee are agreed in writing before work starts.
01Contract cash plan
Month-by-month inflows and costs for a contract, from advance to final retention.
02Guarantee pack
The documents a bank asks for when you apply for a tender, performance or advance guarantee.
03Working-capital request
A credit-line application tied to your contract schedule, not to guesses.
04Backlog summary
All signed contracts, their stages and receivables in one table for the bank.
05Offer review
We compare banks' offers on fees, collateral and terms, and list the questions to ask.
06Monthly check-in
Actual against plan during the contract, so the next request is easier.
Three guarantees you may need
Construction contracts often require security that a bank provides. Each has its own purpose, and each affects your available credit.
| Guarantee | What it secures | What to check |
|---|---|---|
| Tender (bid) security | That you will sign the contract if you win. | Validity period against the tender timetable; the fee for a short term. |
| Performance guarantee | That you will complete the work as agreed. | Amount and term, release conditions, and whether it reduces your credit line. |
| Advance payment guarantee | That the customer's advance will be returned if work is not done. | Whether the amount reduces as the advance is offset against completed work. |
Requirements differ by customer and by procurement rules. Read the tender documentation and ask your bank and lawyer.
Contract cash-gap model
Every contract spends money before it pays. Enter the main terms to see the deepest point of your cash position and when it hits.
Simplified model: work follows an S-curve, costs are paid in the month incurred, the advance is offset evenly against acts, and guarantee fees are spread over the duration. Educational only, not financial advice. Figures stay in your browser.
Limits and free help
We do not
- Lend, issue guarantees or pay suppliers on your behalf.
- Promise that a bank will approve or name a rate in advance.
- Take part in tenders for you or influence their results.
- Give legal, tax or procurement-law advice. Use a lawyer.
Free help
- Your bank: ask what it needs for a guarantee or credit line before you bid.
- Damu Entrepreneurship Development Fund: state guarantee and subsidy programmes for small and mid-sized businesses.
- The public procurement portal: rules and tender documents are open to all.
- Business support centres of the National Chamber of Entrepreneurs "Atameken": free consultations.
Fraud warning. Nobody can sell you a "ready" bank guarantee without a bank's review. Fake guarantees get bids rejected and can bring liability. Check every guarantee directly with the issuing bank. If someone offers one in our name, do not pay. Report it to the police and let us know by email.
Ground floor: contact
Send the main terms of the contract you are bidding for or have won. We reply with the scope and a fee.