Construction Business Loans — Fast, Simple UK Finance for Contractors and Builders
Summary (quick answer): Construction business loans help UK contractors and builders cover materials, payroll, plant, and staged payments tied to JCT/CIS cycles. Fast Business Loans is not a lender; we introduce limited companies and LLPs (including contractor and subcontractor models operating through a company) to suitable lenders and brokers for unsecured and secured loans, invoice finance for construction, materials finance, asset/equipment and vehicle funding, and VAT loans from £10,000+. Your initial enquiry won’t affect your credit score, there’s no obligation to proceed, and you’ll receive tailored options to compare. Start a Free Eligibility Check to get matched fast.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Micro-CTA: Check your eligibility in under 2 minutes — no impact on your credit score. Get Started
Get a Free Eligibility Check in 2 Minutes
We connect UK construction firms with finance partners who understand JCT, CIS, staged applications for payment, and retentions.
Get Started | Get Quote Now | Free Eligibility Check
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
- Introductions to trusted lenders and brokers
- No obligation to proceed
- Simple, secure, and free to use
Why Construction Businesses Use Finance
Cash flow in construction rarely moves in a straight line. Up-front costs come first; payments often arrive later — after certifications, stage approvals, or upon retention release. Finance can smooth the gap so projects stay on-time and on-budget.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Common challenges solved by construction finance:
- Buying materials before work starts
- Meeting payroll during long payment cycles (JCT, applications for payment, retentions)
- Hiring or upgrading plant and equipment quickly
- Managing VAT, fuel, insurance, and site overheads
- Bridging gaps between completed work and payment
With one simple enquiry, Fast Business Loans matches your company to suitable solutions and providers — saving time and helping increase the likelihood of an approval that fits your circumstances. Free Eligibility Check
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Types of Construction Finance We Can Connect You To
Unsecured Business Loans
Useful for short-term working capital, bridging payment delays, marketing, or permits. Fixed terms and affordability-based underwriting; personal guarantees may be requested. Early settlement options vary by lender.
Secured Loans and Revolving Credit
For larger facilities or longer terms where security can reduce cost of funds. Facilities may be supported by property, assets, or debentures. Valuation and legal processes can extend timelines; consider carefully the risk to collateral.
Invoice Finance for Construction (incl. CIS and JCT)
Unlock cash against certified applications for payment, staged works, and invoices. Options include selective and whole book facilities; specialist construction contract finance can consider JCT cycles, CIS, and debtor concentrations. Eligibility for uncertified applications varies; retentions may be excluded or managed separately.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Learn more about invoice finance for construction.
Asset and Equipment Finance (Hire Purchase, Lease)
Fund diggers, loaders, cranes, vans, and plant upgrades. Fixed terms often with predictable monthly costs; HP creates a pathway to ownership, while leasing may suit usage-based strategies. Deposit, asset age, and maintenance history can affect terms.
Explore plant and equipment finance.
Materials Finance and Trade Finance
Support large or time-critical materials orders, supplier prepayments, or imports. Some facilities can align repayments to project milestones. Supplier due diligence and robust documentation are commonly required.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Vehicle and Fleet Finance
Vans, pickups, and HGVs for teams and logistics. Consider mileage limits, wear-and-tear, maintenance, and downtime risk. Funding structures can balance upfront costs with cash flow.
See vehicle and fleet finance.
Specialist and Complementary Solutions
- VAT loans to smooth quarterly liabilities
- Short-term bridging for project-specific needs (non-development)
- Performance and surety bonds via specialist partners
Looking for sector insights? Read more on construction business loans.
How Our Free Matching Service Works
- Complete a quick enquiry (under 2 minutes)
- We match you to UK lenders/brokers who understand construction finance
- Receive a rapid response by phone/email to discuss options
- Compare offers — proceed only if it suits you
- No obligation to proceed
- Your enquiry does not affect your credit score
- We are not a lender and we don’t offer financial advice — we introduce you to professionals who can help
Eligibility and What Lenders Look For
Who we support: UK limited companies and LLPs (including contractors and subcontractors operating via a company). Minimum facility sizes typically start from £10,000.
Documents and information checklist (may vary by product):
- 3–6 months’ business bank statements
- Latest annual accounts or up-to-date management accounts
- Contracts and applications for payment (where relevant)
- CIS statements (if applicable)
- Aged debtor/creditor lists (for invoice finance)
- Director and company ID/address verification (AML/KYC)
- Asset list and valuations (for asset-backed deals)
Credit profile: We can introduce a range of options, including for firms with historic blips or CCJs, subject to partner criteria. Personal guarantees are commonly requested for unsecured facilities.
Sector nuance: Many partners support JCT/application cycles, retention schedules, subcontractor-heavy models, and seasonal workloads.
Costs, Terms, and Key Considerations (Clear, Fair, and Not Misleading)
- Pricing and fees: Costs vary by product, lender, risk, and security. You’ll receive a personalised quote before deciding. There may be arrangement, documentation, or early settlement fees — disclosed by the lender/broker.
- Security and guarantees: Some products may require asset security or personal guarantees. If a loan is secured on property or assets, these could be at risk if you don’t keep up repayments.
- Credit impact: Your initial enquiry with us does not affect your credit score. If you proceed, providers may carry out credit checks.
- Repayment and affordability: Only borrow what your business can afford to repay. Consider project timings, certification dates, and retention releases.
Explore complementary options such as cash flow loans and sustainability business loans for site upgrades.
Real-World Use Cases in Construction
- Bridging payroll during certification delays: A regional contractor used a short-term facility to cover wages while awaiting JCT certification — avoiding costly downtime.
- Selective invoice finance: A subcontractor unlocked cash tied up in certified applications to fund new site starts and fuel costs.
- Plant upgrade via HP: A civils firm acquired a new excavator on HP, delivering higher productivity and predictable monthly costs.
- Materials finance for bulk orders: A main contractor secured bulk pricing ahead of a major project, with repayments aligned to milestones.
- VAT loan during multiple mobilisations: A growing business smoothed cash flow when VAT fell due while multiple sites kicked off.
How to Improve Your Chances of Approval
- Keep management accounts and bank statements up to date
- Present clear project pipelines, contract details, and retention schedules
- Separate personal and company finances; show stable trading activity
- Reduce bounced payments and unauthorised overdrafts before applying
- Have director ID and company documentation ready for speedy onboarding
- For invoice facilities, maintain clean aged debtor/creditor reports
Why Choose Fast Business Loans
- Sector expertise: Access lenders/brokers who understand construction cash flow, JCT, CIS, and retentions
- Fast and simple: Short enquiry, smart matching, swift responses
- Trusted connections: We introduce you to established UK finance professionals
- Transparent and secure: We never charge business owners; we may receive a commission from partners
- No pressure: Compare options and proceed only if they suit your needs
FAQs — Construction Business Loans
1) Are you a lender?
No. We’re an introducer. We connect UK construction businesses with lenders and brokers.
2) Will this affect my credit score?
Your enquiry won’t. If you choose to proceed, providers may run credit checks.
3) How fast can funding happen?
Timelines vary by product, lender, and your documents. Some decisions can be made quickly after approval; setup for invoice or asset facilities may take longer depending on complexity.
4) Do you support start-ups?
Many partners consider newer companies operating as limited companies or LLPs, subject to criteria.
5) Can you help if I’ve been declined elsewhere?
Often yes. Criteria differ across our panel; we’ll introduce alternative options where possible.
6) Do you fund uncertified applications for payment?
Some providers do; many prefer certified applications. We’ll match you to suitable partners.
7) Will I need a personal guarantee?
Common for unsecured facilities; it depends on product and lender.
8) What fees should I expect?
Fees vary (e.g., arrangement, documentation, early settlement). You’ll receive full details up front.
9) Is there a cost to use Fast Business Loans?
No. Our service is free for business owners. We may receive an introducer commission from partners if you proceed.
10) What’s the minimum amount?
We typically introduce facilities from £10,000 and upwards, subject to eligibility and product type.
Ready to Check Eligibility?
It’s free, takes under 2 minutes, and won’t affect your credit score.
Important Information
- Fast Business Loans is not a lender and does not provide financial advice. We act as an introducer, connecting UK businesses with lenders and brokers. There is no obligation to proceed once you’re matched.
- Your enquiry with us does not affect your credit score. If you choose to proceed, our partners may conduct credit searches.
- Rates, terms, and fees depend on your circumstances, product type, and lender criteria. You’ll receive full information before you decide.
- If a loan is secured against property or assets, these may be at risk if you do not keep up repayments.
- Avoid borrowing more than you can afford. Consider cash-flow timing (applications for payment, retention release dates) before committing.
– Are you a lender or an introducer? We’re an introducer that connects UK construction limited companies and LLPs with trusted lenders and specialist brokers.
– Will checking eligibility affect my credit score? No—our free eligibility check has no impact on your credit score, though providers may run checks if you decide to proceed.
– How quickly can I get funding for my construction company? You’ll typically hear back within hours and, depending on the product and your documents, unsecured loans can fund quickly while invoice or asset facilities may take longer to set up.
– How much can I borrow and what’s the minimum? Facilities generally start from £10,000, with maximum amounts based on affordability, security, contract pipeline, and lender criteria.
– What types of construction finance can you match me with? We connect you to unsecured and secured business loans, construction invoice finance (incl. JCT/CIS), materials and trade finance, asset/equipment and vehicle funding, and VAT loans.
– Do your partners support JCT, CIS, staged applications for payment, retentions, and uncertified applications? Yes—many understand JCT/CIS cycles, staged payments and retentions, and some can consider uncertified applications subject to criteria.
– Who is eligible to apply? UK limited companies and LLPs (including contractors and subcontractors operating via a company) can apply—typically with recent bank statements and accounts—and options exist for start-ups and firms with historic blips or CCJs, subject to partner criteria.
– Is there a cost to use Fast Business Loans? No—our service is free for business owners, and we may receive an introducer commission from partners if you proceed.
– Will I need security or a personal guarantee? Unsecured facilities commonly require a director’s personal guarantee, while larger or lower-cost options may be secured against assets or property.
– What fees and costs should I expect? Pricing varies by product, risk and lender, and may include arrangement, documentation or early-settlement fees, all disclosed upfront before you decide.