At Joint Shares, we are committed to delivering secure, compliant, and client-focused financial services—from personal lending to institutional investments
Bridge Contract Commitments to Cash — Fund Execution, Not Just Promises
Joint Shares Investment Holdings (JS) provides contract execution loans designed to finance the execution phase of contracts — construction projects, turnkey deliveries, government tenders, large supply contracts and complex service agreements. We provide milestone-linked disbursements, performance-backed facilities, and working capital that tracks contract lifecycles.
A Contract Execution Loan is structured to fund the delivery phase of a contract. Instead of financing inventory or general working capital only, the facility is tailored to the contract's milestones: mobilization, progress payments, delivery, retention release and final acceptance. JS underwrites based on contract strength, counterparty credit, guarantees, and performance bonds when required.
Milestone Disbursements
Funds released at agreed execution milestones to reduce cashflow shortfalls.
Performance-based Security
Use of retention accounts, performance bonds, escrow and third-party verification.
Invoice / Contract Assignment
Assign receivables or contract proceeds to the facility for repayment certainty.
Back-to-back Financing
Link supplier financing to contract milestones to ease supplier cashflow and secure supply chains.
Execution Gallery
Construction Contracts
Mobilisation, progress draws and retention release financing.
Supply & Turnkey Projects
Vendor financing and back-to-back solutions to align cashflow.
Service & Maintenance Contracts
Working capital to support multi-year service delivery obligations.
Funding Structures & Security
Milestone Tranche Loan
Disbursements linked to verified milestones; reduces idle cash and aligns lender exposure to performance.
Invoice / Receivable Assignment
Assign contract receivables to secure repayment and facilitate non-recourse options where possible.
Retention Account/ Escrow
Hold retention or escrowed funds to mitigate completion risk and guarantee final payment streams.
Performance Bonds & Guarantees
Coordinate with banks or insurers for bonds to meet client or government requirements.
Supplier Back-to-Back Financing
Ensure continuity of supply by funding key suppliers against project milestones.
Hybrid Structures
Combine debt, short-term mezzanine or equity tranches for large, phased contracts.
Execution Roadmap — From Tender to Final Acceptance
1. Confidential Intake & NDA
Initial non-binding briefing, high-level contract review and confidentiality agreement.
2. Structuring & Indicative Term Sheet
Define tranche schedule, security, covenants and milestone verification protocols.
3. Due Diligence & Verification
Technical, commercial and legal reviews. Set up independent certifier or verification agent for milestone sign-offs when needed.
4. Documentation & Funding Mechanics
Facility agreement, escrow, assignment documents, performance bond arrangements and drawdown protocols.
5. Monitoring & Closure
Reporting cadence, milestone certification, release of retention, and final acceptance & release of security.
Milestone Funding Simulator
Simulate a milestone draw schedule and see indicative cashflow and tranche sizes. This is a simplified illustrative tool — JS builds bespoke schedules from contract details.
Total Contract Value
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Total Advance (Est.)
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Estimated Max Facility
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Milestone
Milestone Value
Advance %
Advance Amount
Risk Mitigation & Verification
Execution loans require robust verification and mitigation: independent certifiers, escrow accounts, documentary evidence of progress, insurance and, where applicable, repayment guarantees or parent company support.
Independent Certifiers
Third-party engineers or auditors verify milestone completion before drawdown.
Escrow & Retention
Holdbacks and escrow release mechanics reduce final payment risk.
Performance Bonds
Bonds protect employers and provide lender comfort on completion risk.
Supplier Vetting
Vet critical suppliers to avoid single-source execution risk.
Representative Case Studies
Industrial Plant Erection — €9.8M
Milestone financing tied to foundation, structure, mechanical completion and performance tests. JS coordinated bonds and escrow to protect client and lenders.
Government Infrastructure Contract — €16.5M
Bridge-to-term facility to fund mobilization and early works. Performance bonds and sovereign counterparty credit assessment enabled competitive pricing.
Large-Scale Supply Contract — €3.7M
Back-to-back supplier finance to secure raw material deliveries, reducing lead times and cost overruns.
Start a Confidential Contract Execution Request
Upload redacted contract, project schedule, key supplier agreements and financials. All uploads are encrypted and stored under Luxembourg privacy frameworks. JS will contact you to arrange a secure advisory session.
What verifications do you accept before a drawdown?
Typical verifications include certified milestone completion reports, independent engineer certificates, copies of invoices or delivery notes, third-party confirmations, and release approvals from employers or project owners.
Do you require performance bonds?
Where the employer requires bonds, JS coordinates bond providers or arranges bond replacement mechanisms as part of the facility. Bonds reduce lender risk and may lower pricing where available.
Can JS finance contracts with public sector counterparties?
Yes — public counterparty contracts often have stronger credit profiles, subject to verification of payment mechanisms, retention arrangements and any sovereign-specific rules. We’ve funded numerous government tender executions.
How do retention clauses affect funding?
Retentions reduce invoice availability; JS models retention release and may provide retention-backed facilities or escrow mechanisms to bridge the gap until release.
What about cross-border contracts and multiple currencies?
We structure multi-currency facilities and provide FX hedging recommendations. Cross-border contracts often require additional legal and tax coordination; JS manages these issues via local counsel and partners.
Security, Privacy & Compliance
JS operates under Luxembourg legal frameworks with robust data governance. Documents uploaded are encrypted, role-based access is enforced, and AML/KYC, sanctions and beneficial ownership checks are standard for all facilities.
Data Protection
AES-256 storage • TLS transmission • Access logs
AML & Sanctions
Screening and enhanced due diligence for high-risk jurisdictions.
Deal Room
Time-limited data room access with watermarking and audit trails.
Trusted by Contractors, Suppliers & Project Sponsors
“JS provided a milestone facility that kept our project on schedule and prevented costly downtime — their independent verification process and escrow arrangements gave our client confidence.” — Project Director, Infrastructure Group