Help Center

What are the first steps we should take?

Plan ahead and work out what your budget is. There may be costs involved that you have not considered. Spending time researching and refining your budget at the outset will avoid disappointment at the later stages. When you have settled on a figure we can sit down together and work towards a design to suit your brief and your budget. Remember that there are Onboarding (Signup) Fees we charge for prospective customers who are not existing customers of our onboarding partners.

Can you sell us a plot of land?

We are unable to sell you a plot of land at the moment, but we can help you to find a suitable plot for your design at a fee. Please contact us to discuss what you are looking for and we will try our best to assist. If you are having difficulty finding the perfect plot, you might be interested in building a bespoke project on one of our special sites.

What is Design & Build?

Design & Build is a project delivery method where Build Now Pay Later Ghana (BNPL Ghana) works under a single contract with the Project Owner to provide design and construction services. BNPL Ghana is responsible to be the Owner’s single go-to contact, coordinating all the details on the Owner’s behalf and decreasing the administrative burden for the client. BNPL Ghana steps up to be the project’s leader, bringing together a team of experts from each necessary discipline. The method is marked by a streamlined collaborative process, open book communication, early and efficient planning, and a significantly decreased risk for the Project Owner

It is our combination of best practices for remodeling or constructing your home or commercial project that sets us apart. BNPL Ghana helps you through the design stage, demolition of existing structure, construction of your new custom home or commercial project. We follow your custom build project from start to finish.

We also provide all interior designs, exterior designs and product selections for you.

How is Design & Build different from other Project Delivery Methods?

Design-Build offers some unique benefits that are lost with other construction delivery methods. The primary differences are risk and responsibility for project objectives – which can have significant impacts on quality, preconstruction efficiency, cost, and schedule.

What are the benefits of Design & Build?

• FASTER DELIVERY – collaboration + synchronous process = compressed time frame for delivery and fewer problems.

• DECREASED ADMINISTRATIVE BURDEN – Build Now Pay Later Ghana (BNPL Ghana) is responsible for contractual elements, so the Owner can focus on the project not the paperwork.

• BETTER QUALITY – the team is held to high accountability standards and is invested in the project’s success from an early stage, leading to higher value project results and innovative thinking.

• REDUCED RISK – BNPL Ghana assumes the majority of risk by taking on accountability, contractual terms, and coordination efforts for the entire project.

• GUARANTEED MAXIMUM PRICE – BNPL Ghana provides a “GMP” so that there are no surprises and no end-of-project sticker shock.

• OPEN BOOK POLICY – BNPL Ghana provides access to the Owner for all job cost reports and information related to the project.

• SINGULAR RESPONSIBILITY – BNPL Ghana is the Owner’s go-to contact for everything related to their project.

• SHARED COST SAVINGS – integrated team approach gives everyone the incentive to save money from day one, allowing shared cost savings for the Owner at the project’s conclusion

Isn't Design & Build more expensive?

Quite the contrary! It’s collaborative nature provides significant opportunity for cost savings, as the project team is created early and designs the project together. The Owner’s cost is decreased through economical and efficient decision making, quicker design, and earlier purchase of long-lead materials that creates a streamlined construction schedule and shaves both time and money off the project.

Wouldn't we lose choices and control of the project by choosing Design & Build?

The short answer – absolutely not! This misconception usually stems from 3 main concerns: competitive pricing, subcontractor selection, and material specifications. Build Now Pay Later Ghana (BNPL Ghana) invites a minimum of 3-5 prequalified subcontractors to bid every trade package, ensuring our Owners get competitive pricing in addition to the quality workmanship and attention to detail which their projects deserve. We welcome Owner-suggested or preferred subcontractors to be included in this process. We then complete an “apple to apple” bid comparison and review the information with the Owner. The ultimate decision is ALWAYS our Owner’s to make. In terms of material selection, BNPL Ghana provides information, suggestions, and value enhancement opportunities but the Owner sets the selected criteria for materials. Our role is to be a guide and advocate, not a dictator!

Why should I consider Build Now Pay Later Ghana's Design & Build?

We provide you all the services you need to plan, design and build your dream home or commercial project. We deliver successful remodeling projects on time and our designs are based on what you need for your home or commercial project. Build Now Pay Later Ghana has established the practice of actively communicating with our clients to ensure your project is on track and according to your demands.

How do you determine project costs?

We work closely with you to understand the project demands and prioritizes for your design. After this, we determine an estimate for your project. This estimate will balance both your design demands and finishing, while keeping your budget in mind.

Can you help me get design, plans and permits?

Build Now Pay Later Ghana (BNPL Ghana) team of efficient project managers assist you with the sometimes challenging task of getting architectural designs, blueprints and all the necessary zoning permits. With experience in a variety of residential and commercial remodeling and design projects, we can help make sure everything meets the building requirements during the construction phase.

Do I need an architect?

One of our architects will be brought in on the team if your project requires architectural design services and blue prints. We have our own experts for every part of the design phase. Whether you are planning a whole house or commercial project build, remodel, an addition, custom kitchen remodeling, bathroom remodeling, or even if you want a green building expert, we are your full-service source. We’ll develop the plans and see through to every detail, from permitting to materials selections.

What is Construction Finance ?

Construction Finance (also known as Construction Factoring) provides your business with instant funding against uncertified and certified Applications for Payment and invoices raised at completion. We help you to meet your payment obligations throughout the various stages of a contract so you can and take on more work knowing you have reliable funding in place.

Who is Construction Finance For?

Construction Finance is ideal for contractors and subcontractors who work under framework agreements or Purchase Orders that can result in late or partial payments for work completed. It gives you certainty over the funds you have available and releases cash while you are waiting for your applications to be paid. It can also help businesses who need to manage seasonal fluctuations or who want to take on new projects without taking on extra debt.

Why should I use it?

Construction Finance helps you to improve and control your cashflow, so you can run your business smoothly and efficiently. By advancing cash against the value of your invoices, you can pay wages, negotiate better prices when you buy materials and settle your debts while you are waiting for payment. As an alternative to traditional model of business finance such as loans and their inflexible payments, Construction Finance is as flexible as your business, especially when it grows. It is also a smarter way to finance your business than using personal savings, credit cards or bank overdrafts.

How long does it take to arrange Construction Finance?

Every project is different. We'll work with you to make sure the funding you get is exactly what your project needs. This means that the length of time to have everything in place can vary depending on how complex your project development situation is.

We work flexibly from the point of meeting you to understand your needs. Your facility can be in place in a matter of days however, this also depends on the speed in which we can access the information we need.

What is the process to arrange Construction Finance for my project?

Like any financial arrangement there is a bit of work required at the beginning but after that, any facility arranged will grow as your project grows. After your initial contact there will be a confidential discussion with one of our Construction Finance specialists who will get to know your project and arrange a meeting with you. Once we understand the requirements of your project, we will provide an indicative offer to you. Following a new business review and consideration by our credit committee, we will then be able to make a credit offer to you. If you choose to work with us we’ll arrange an on-boarding meeting for you after which you can begin sending invoices to us and we can start releasing funds for you to use.

What are the costs of Construction Finance?

Every agreement and facility is different. The cost to your project development will depend on your needs and the services you choose to use. If you would like to discuss how Construction Finance would work for your project, send an email and one of our specialist team will be in touch.

Can I borrow against the income the construction project is expected to generate?

Factoring may be another way of raising construction project finance – depending on the nature and detailed clauses of your building contract.

Can you help me select materials, finishes, and other design elements?

Our own experienced designer closely works with you to sort through an abundance of design ideas, colours and materials. Your interior design preferences lead the way, while you can have the full support of our designer’s expertise. Every style, every creative option is possible. The result will be the creation of your building dream, down to every last detail.

Who actually performs the work?

We have everyone and every resource you need to see your dream project designed and built to perfection. Throughout our years of experience, we’ve been successful because of the team of professionals we’ve put together. From architectural design and interior design services to the builders and contractors who perform the construction, we are your single source for experts and single point of accountability for every detail.