10/60/30 Payment Terms Explained — and How to Fund Your Project

The Three Payments

• 10% on design — paid in the project month, once the design and specification are agreed
• 60% before materials — paid in the project month, before materials are ordered
• 30% on completion — paid the month after completion, once you've signed off the works

Ten percent covers the design work; sixty percent pays for your materials up front at the quoted price; the final thirty percent is due after completion and snagging, the following month.

Why 60% Before Materials?

We pay suppliers up front so materials are secured at the quoted price and delivered on schedule — no price volatility, no delays waiting for stock. Because your 60% covers the materials directly, there's no working-capital risk to you: we're never funding your project with borrowed money that we'd need to recover through higher prices.

No Retention — Ever

Retention is a common construction practice where a percentage of the contract is withheld until the defects period ends. We don't hold retention on any project. Our accountability comes from our reputation, your architect's supervision and our desire for your recommendation — not from holding your money hostage for twelve months.

Funding Options

• 0% point-of-sale finance (Ideal4Finance, £2,000–£15,000)
• Green loans from ~3.5% APR
• Warm Homes Loan at 0-3% (heat pumps)
• Remortgage at 4-5%

Because you contract directly with us, the works are funded by your own consumer credit — with the same protections you'd get on any purchase. That's the direct-appointment model working for you.

Worked Example: A £30,000 Project

• 10% design: £3,000 in the project month
• 60% materials: £18,000 in the project month
• 30% completion: £9,000 the month after

Spread across a green loan at 3.5% over ten years, the monthly cost is roughly £296 — and if any part qualifies for 0% finance, even less. The key point: no money is tied up in retention, and you never pay for our working capital.