Getting Paid as a UK Contractor
Late payment is the single biggest threat to trade businesses in the UK. Over half of small businesses report being paid late, and the construction industry is among the worst affected. The government estimates over £20 billion is owed in unpaid invoices at any given time.
But the law is on your side. The Late Payment of Commercial Debts Act 1998 gives you the automatic right to charge interest on overdue invoices — currently 11.75% (8% above the Bank of England base rate of 3.75%). You can also claim fixed compensation of £40-£100 depending on the debt size.
From 2026, the government is cracking down further — large companies that pay late can be removed from the Prompt Payment Code and barred from public contracts. Finance directors will be personally accountable.
The guides below cover everything you need to protect your cash flow, chase unpaid invoices, and make sure you never work for free again.
Guides
What to Do When a Client Won't Pay: Step-by-Step Guide
The full process from polite reminder to County Court claim, including your statutory rights under the Late Payment Act.
Why UK Contractors Lose Money (And How to Stop It)
The five biggest cash flow killers for trade businesses and how to fix each one.
Free Tools
Certi automates the entire payment process — from invoice to escalation to statutory interest — so you get paid without the stress.
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