At H.A.R.T.P, we believe that...
Not all clients are going through the same economic moment. We know that an urgent repair, earthworks, or a renovation cannot always wait for total fund availability.
That's why we study each project individually to find the most suitable economic solution for your reality.
Our goal is not only to build. Our goal is to help you make your project happen.
Our 3 solution axes
We have simplified our modalities to offer you total clarity, from the most classic to the most creative.
Traditional Payment
Standard, secure, and immediate methods for projects with available budget.
- Bank transfer (SEPA)
- Banker's check
- Cash (within legal limits)
- Credit card (for deposits)
Staged & Deferred Payment
To smooth the financial burden without going through an external credit organization.
- Staged: 20% (start), 40% (mid-project), 40% (delivery).
- Monthly: Spread over several months for large sites.
- Deferred: Postponement of the due date while waiting for incoming funds.
- 0% interest: No hidden fees, the quote price is the final price.
Tailor-Made Agreements & Exchanges
Our true difference. We study the value of what you can bring in return.
- Materials: Aggregates, wood, iron, fuel, tools.
- Services: Skill exchange (electricity, mechanics, IT, legal).
- Goods: Vehicles, trailers, mini-excavators, land (upon valuation).
- B2B: Collaboration agreements between local companies.
💡 Real Case: The Colomiers Agricultural Farm
A client needed to upgrade a heavy access road for their agricultural machinery, but cash flow was blocked awaiting subsidies. Instead of refusing the job or imposing a bank loan, we accepted part of the payment in kind: supply of gravel from the farm and 10 hours of tractor use with a driver for our own sites.
Result: A win-win agreement, formalized by a quote addendum, and a client loyal for life.
Our 5-step negotiation process
Exchange
Explain your situation and budget constraints to us.
Study
We analyze the technical and economic feasibility of your proposal.
Valuation
If exchanging goods/services, we establish a fair market value.
Contract
Drafting of a quote addendum detailing the modalities, secure for both parties.
Site Work
Start of work with the same quality requirement as a classic payment.
Find your solution at a glance
| Your current situation | The adapted H.A.R.T.P solution |
|---|---|
| Limited budget but urgent project | Staged payment |
| Waiting for financing or a sale | Secured deferred payment |
| Local company (B2B) | Cross-collaboration agreement |
| Farmer / Operator | Material or machine hour exchange |
| Craftsman of another trade | Professional service barter |
| Own a vehicle or machine | Take-back and valuation in payment |
Our commitments: What we NEVER do
We never impose a single or rigid payment method.
We never charge for work not done or materials not installed.
We never leave any verbal agreement: everything is formalized in writing for your security.
We never lower the quality of materials to fit a budget. We adapt the payment method.
Find the solution that fits you
Click on your situation to get an immediate recommendation.
✅ Recommendation: Staged Payment
We can divide your quote into 3 or 4 staggered payments over the duration of the site. No interest, no bank file. Contact us to establish a payment schedule adapted to your cash inflows.
✅ Recommendation: Secured Deferred Payment
If you are waiting for the sale of an asset or a subsidy, we can start urgent work with a commitment to pay on a fixed date, formalized by a legal addendum. Talk to our team.
✅ Recommendation: Material Exchange (Barter)
This is our specialty. We can deduct from your invoice the value of the materials (gravel, wood, etc.) that you provide us, provided they are usable on our sites. A quick appraisal will be carried out.
✅ Recommendation: Take-back and Valuation of Goods
We study the take-back of utility vehicles, trailers, or mini-excavators. The value will be estimated based on the market after a technical inspection. The amount is then fully deducted from your quote.
✅ Recommendation: Cross B2B Collaboration
If you are an electrician, plumber, or landscaper, we can establish a reciprocal service exchange or subcontracting agreement, thus optimizing the cash flow of both our companies.
Frequently Asked Questions (FAQ)
Can I pay for my works in several installments?▼
Yes. We propose staged payment according to work progress (usually 20% at start, 40% mid-project, 40% on delivery).
Do you accept barter or service exchange?▼
Yes, it is a rare approach in the construction sector. If the exchange is useful for both parties, we study materials, tools, vehicles, or professional services.
How is a vehicle or machine valued?▼
We have the asset evaluated by a partner expert or base the value on market quotes after a technical inspection of its condition.
Are there any hidden interests or fees?▼
Absolutely none. Our internal payment facilities generate no interest. The total amount remains exactly that of the initial quote.
Is there a minimum amount for staged payment?▼
We study every request, but generally, payment facilities apply to projects whose quote exceeds €2,000.
What happens if you refuse my exchange proposal?▼
We will tell you transparently from the study phase. We will then look for another solution together with no commitment on your part.
What is the response time for a personalized study?▼
We commit to responding within 24 to 48 business hours after receiving your detailed request.
Can I pay after selling my house?▼
Yes, we can study deferred payment solutions adapted to the notarial calendar of your sale, with a secure written agreement.
Are barter agreements legal and secure?▼
Yes. Any exchange of goods or services is formalized by an addendum to the quote, with clear valuation and invoicing compliant with current regulations.
Request a free personalized study
Tell us about your project and your situation. We will find together the solution that suits you, with no commitment and in total transparency.