Construction has always run on trust — and on cash that moves, sometimes unpredictably, through a long chain of hands. Jarvey Moss and Dr Tim Whitehill met at UKREiiF and, within months, decided that trust needed an upgrade. Jarvey had already built and exited Amigo Technology; Tim had spent years inside construction finance and later completed a doctorate on operational resilience in the sector.
Together, in 2023, they founded Saible — payment infrastructure designed to de-risk how construction projects are funded, and to keep money flowing to the people actually doing the work. This week, we sat down with the founders to talk about parallel payment accounts, the human cost of a broken system, and why plug-and-play might be exactly what construction finance has been missing.
1-Tell us about yourself / your co-founder(s).
Saible was founded in the UK in 2023 by Jarvey Moss and Dr Tim Whitehill. Jarvey started out as a musician and tour manager before co-founding Amigo Technology in 2014 (exited in 2022). Tim founded a specialist civil engineering contractor, later running a consultancy focused on helping construction companies operate more efficiently. He then founded the not-for-profit Save Construction Initiative in 2020. Tim recently completed a doctorate in Operational Resilience in UK construction. Jarvey and Tim met at UKREiiF, and founded Saible within a few months.
2-Who are your target customers, and what problem / opportunity do you address for them?
Saible provides payment infrastructure that de-risks construction project funding for investors, lenders, developers, and public sector clients. Construction funding has a severe, systemic problem with payment: project cashflow through the supply chain is sclerotic and unreliable, insolvencies are commonplace, financial risks are high, and the societal consequences are deeply damaging. Saible addresses this problem.
3-What is your product / solution? Who do you compete with, and what is your USP?
Saible provides a suite of construction finance infrastructure solutions. Its core solution is the Digital Parallel Payment Account (DiPPA). This replaces the serial cascade of cash with a parallel flow from a dedicated project bank account that holds funds in trust and automatically distributes them directly to the intended recipient when due. The DiPPA is the digital evolution of the analogue Project Bank Accounts that have been used by some public sector organisations in the UK for the last decade.
4-How do you help scale financial services (e.g. new customers, new products or distribution channels), and how can financial institutions partner with you (perhaps with an example)?
Saible delivers better governance and lower risk for development investors and lenders, while also providing payment security and confidence for construction supply chain companies. Reduced financial risk can lower the cost of borrowing, and payment security can lower project delivery costs while also providing measurable social value. Saible’s solutions are plug-and-play; there is no installation or integration overhead for companies or institutions using them.
5-What relevant industry trends or market shifts should we be watching? Any research or resources you can point us to?
New legislation came into force last year in the UK tightening requirements for demonstrable prompt payment to SMEs by public sector clients, and further legislation is currently passing through Parliament that covers all organisations paying SMEs. Meanwhile the insolvency rate in UK construction remains the highest of any sector of the economy, and the industry’s record on mental health remains woeful.
6-What is your current stage and traction, and how can our network help?
Saible has raised £2.9M in Seed funding, and is revenue generating. A pilot project with the Environment Agency and BAM Nuttall is due to start in 2026, and is being monitored by the Cabinet Office and the National Infrastructure and Service Transformation Agency.
7-What’s on your bookshelf or podcast app? Your favourite place for a coffee or a drink?
Favourite Podcasts: Patrick Boyle on Finance and The All In Podcast (to hear either side of most arguments!), and The Rest Is History.
Favourite place for a drink: A proper pub.
Saible’s pitch is refreshingly unglamorous: no new integrations, no operational overhead, just funds that move the way they were always supposed to. With £2.9M raised, a pilot underway with the Environment Agency and BAM Nuttall, and regulatory tailwinds building behind prompt-payment reform, Saible is betting that the fix for construction’s cashflow crisis was never more technology — just better plumbing. Worth watching as the pilot unfolds in 2026.