Construction Business Loans: Fast, Flexible Finance for UK Contractors and Builders

Waiting on stage payments or retentions? Facing material price spikes, plant hire costs, or supply chain delays? Fast Business Loans connects UK construction companies and contractors with lenders and brokers who understand the sector. We don’t lend or give financial advice — we introduce you to relevant finance partners fast so you can keep projects moving.

Free Eligibility Check — no obligation, typically hear back within hours on business days.

Quick summary (for fast answers): Construction business loans and finance help UK contractors manage cash flow between applications for payment, fund plant/equipment, bridge site purchases, and unlock working capital. We match you to trusted lenders and brokers for options like unsecured business loans, invoice finance tailored to certifications, asset/plant finance, bridging and development finance, VAT/tax funding, and revolving credit. Enquiries are free and won’t affect your credit score; partners may run checks if you proceed. Typical facilities start from £10,000+ and depend on status, contracts, and security.

Table of Contents

• At a glance: Your quickest route to funding
• Why construction businesses use finance
• How Fast Business Loans works (we’re an introducer, not a lender)
• Types of construction finance we can connect you with
• Eligibility: What lenders and brokers look for
• Costs, terms, and repayments (indicative)
• How to apply in minutes
• Documents that help speed up a decision
• Real-world use cases
• Why choose Fast Business Loans
• FAQs: Construction business loans
• Get started — no obligation, free eligibility check

At a glance: Your quickest route to funding

• Working capital to bridge stage payments and retentions
• Plant and equipment finance (HP, lease, refinance)
• Invoice finance for certified applications and staged billing
• Bridging and development finance for sites, refurb, and ground-up builds
• Revolving credit facilities and overdraft alternatives
• VAT and tax funding to protect cash flow

Tell us what you need, and we’ll introduce you to construction-savvy lenders and brokers who can help. It’s free, fast, and there’s no obligation to proceed. You’ll typically hear back within hours on business days.

Free Eligibility Check
Small print: We’re an introducer, not a lender. Enquiries don’t affect your credit score. If you proceed, partners may run credit checks. Eligibility, rates, and terms depend on your circumstances.

Why construction businesses use finance

Construction is project-based and cash intensive. You often need to pay for labour, plant, and materials before an application is certified and paid. Long payment cycles, retentions, and variations can stretch working capital — especially when multiple jobs run in parallel.

• Stage payments and certifications: Funding helps bridge the gap between applications and receipts.
• Retentions and long debtor days: Unlock cash otherwise tied up for months.
• Materials and labour pre-funding: Keep sites moving and teams paid.
• Seasonality and pipeline: Smooth peaks and troughs between projects.
• Subcontractor models and CIS: Specialist options exist for construction-style debtors and contracts.

Here’s how we help close the cash gap fast: we match your specific project needs with lenders and brokers who already understand JCT contracts, certified applications, and retentions — saving you time and improving your chances of approval.

How Fast Business Loans works (we’re an introducer, not a lender)

1. Complete a 2-minute enquiry with your funding need and timelines.
2. We smart match your enquiry to suitable UK brokers/lenders.
3. Expect a quick call or email to discuss tailored options.
4. Compare, choose, and proceed directly with the provider — no obligation.

Important to know:

• We don’t lend or provide financial advice; we make introductions.
• Your enquiry won’t affect your credit score. If you progress, partners may run checks.
• Facilities are subject to status, affordability, and lender criteria.

Get Quote Now
Small print: Subject to status and partner assessment. No guarantees are implied.

Types of construction finance we can connect you with

Unsecured business loans (working capital)

Flexible funds to cover payroll, materials, or short-term cash flow while you await certifications. Terms are typically 3–60 months with amounts and rates set by risk profile, affordability, and trading history. Indicative only.

Invoice finance for construction

Designed to advance cash against certified applications for payment or stage invoices. It can reduce debtor pressure and align funding with job milestones.

• Potential to fund certified applications and approved variations
• Specialist lenders assess contracts and end-customer quality
• May include whole-turnover or selective facilities; recourse/non-recourse options vary

Asset and equipment finance (plant, machinery, vehicles)

Hire purchase, finance lease, or refinance of existing assets to release capital or spread the cost of excavators, cranes, vans, tools, and off-highway equipment. Fixed payments may help budgeting; deposits and balloons vary by deal.

Bridging and development finance

Short-term funding for site acquisition, pre-planning, heavy/light refurbishment, or ground-up construction. Interest can often be rolled; exits include sale or refinance. Timescales, LTGDV/LTV, and monitoring depend on scheme and experience.

Revolving credit and overdraft alternatives

Flexible drawdown facilities that can be repaid and redrawn to match project outgoings, often faster to arrange than bank overdrafts.

VAT and tax funding

Spread VAT or corporation tax so your cash stays on site, not tied up in lump-sum bills.

Contract and project finance

Funding linked to specific contracts or JCT agreements for mobilisation, prelims, or materials — availability depends on contract strength and debtor quality.

Commercial mortgage and property finance

Owner-occupied premises or investments, and refinance to improve monthly outgoings. Rates and LTVs vary by asset, tenant strength, and market conditions.

Neutral note: Availability, costs, and terms depend on your profile, trading history, security, and lender criteria. We make introductions; we don’t advise.

Explore sector insights in our construction business loans resource.

Start Your Enquiry
Small print: Enquiring is free and doesn’t affect your credit score. Partners may run checks if you proceed.

Eligibility: What lenders and brokers look for

• Time trading (start-ups can be considered in some cases)
• Turnover and profit trends; latest filed and management accounts
• Bank statements (typically 3–6 months)
• Contracts pipeline, JCT summaries, and certification processes
• Applications for payment, certifications, and debtor/payment history
• CIS statements where relevant
• Security available (assets/property) for secured options
• Director ID, address verification, and KYC

Even if you’ve been declined before, a broader panel may still be able to help — criteria differ across providers.

Costs, terms, and repayments (indicative, not an offer)

• Unsecured loans: Typically 3–60 months. The total cost varies by credit profile, time trading, and affordability.
• Invoice finance: Usually a service fee plus discount rate on funds used. Pricing depends on facility size, sector risk, debtor quality, and concentration.
• Asset finance: Fixed monthly payments; deposit and optional balloon vary by asset and profile.
• Bridging/development: Monthly interest (often rolled), plus arrangement and potential exit fees. Leverage and monitoring reflect experience and scheme.

Compliance note: Actual rates, fees, and terms are set by the lender/broker after assessment. No guarantees are implied. Minimum typical facility size from £10,000+.

How to apply in minutes

Submitting an enquiry takes about two minutes. It’s free, there’s no obligation, and enquiring won’t affect your credit score.

1. Tell us about your project, timescales, and funding amount.
2. We match you with partners who understand construction.
3. Expect a quick call or email to discuss tailored options.

Start Your Enquiry (2 minutes)
Small print: We’re an introducer, not a lender. Partners may run credit checks if you proceed.

Documents that help speed up a decision

• Last 3–6 months’ business bank statements
• Latest filed accounts and/or up-to-date management accounts
• CIS statements (if relevant), outstanding applications, certifications
• Key contracts/JCT summaries; evidence of pipeline
• Asset list and valuations (for asset finance/refinance)
• Director ID and proof of address

Don’t have everything? Send what you can — partners will advise what’s essential for your case.

Real-world use cases (examples)

• SME contractor: Uses invoice finance to release cash from certified applications and cover labour and materials during 60–90 day cycles.
• Groundworker: Secures asset finance to add a second excavator, with fixed payments aligned to project revenues.
• Property developer: Arranges bridging to acquire a site pre-planning, then exits via development finance once consent is granted.

Free Eligibility Check
Small print: Facilities subject to status and lender criteria. No obligation to proceed.

Why choose Fast Business Loans

• Fast, simple matching to construction-savvy brokers and lenders
• Free to use for business owners — no obligation
• Transparent process and secure handling of details
• Sector insight: partners familiar with JCT, certifications, retentions, and staged billing

We’re not a lender and don’t provide financial advice. We connect you with finance professionals who can discuss options directly with you.

FAQs: Construction business loans

Are you a lender?
No. We’re an introducer. We connect UK construction businesses with trusted lenders and brokers who provide finance directly.

Will enquiring affect my credit score?
No. Submitting an enquiry doesn’t affect your credit score. If you proceed, partners may run credit checks.

Can start-ups apply?
Yes, in some cases. Some partners consider early-stage companies where directors have relevant experience and viable contracts.

How fast can funding happen?
Timelines vary by product and documents. Some unsecured or asset finance decisions can be made quickly once information is provided. Development and bridging can take longer due to due diligence.

Do you support invoice finance for staged payments?
Yes. Some partners specialise in construction invoice finance for certified applications, staged billing, and retentions (subject to criteria).

What facility sizes are available?
Typical facilities start from around £10,000 and can extend into the millions depending on product, security, and business profile.

What does it cost to use your service?
It’s free for business owners to submit an enquiry. There’s no obligation to proceed.

Get started — no obligation, free eligibility check

Share a few details and we’ll connect you with suitable partners quickly. Compare your options, ask questions, and choose what fits your project — or walk away with no obligation.

Get Quote Now
Small print: We’re an introducer, not a lender. Enquiries don’t affect your credit score; if you proceed, partners may conduct credit checks. Finance is subject to status, criteria, and affordability. Rates, fees, and terms vary.

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• Finance types graphic (alt: Types of finance for UK construction businesses)
• Process graphic (alt: How Fast Business Loans connects UK construction firms to lenders)
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Compliance footer:
Fast Business Loans is an introducer and does not provide financial advice or lend money. We connect UK businesses with brokers and lenders. Enquiries do not affect your credit score; if you proceed, partners may conduct credit checks. Finance is subject to status, lender criteria, and affordability. Rates, fees, and terms vary. Please ensure any finance meets your needs.

– What types of construction finance can you connect me with?
We match UK contractors with unsecured business loans, construction invoice finance for certified applications, asset/plant finance, bridging and development finance, revolving credit, and VAT/tax funding.

– Are you a lender or broker?
We’re an introducer that connects UK construction businesses with trusted brokers and lenders; we don’t lend or provide financial advice.

– Will submitting an enquiry affect my credit score?
No—our free eligibility check doesn’t affect your score, though partners may run credit checks if you choose to proceed.

– How fast can I get a decision and funding?
You’ll typically hear back within hours on business days, with timelines varying by product and the documents you provide.

– Can you fund certified applications, staged billing, variations, and retentions?
Yes—some partners specialise in construction invoice finance tailored to certified applications, staged payments, approved variations, and retentions (subject to criteria).

– What loan sizes and terms are available?
Facilities typically start from £10,000 and can reach into the millions, with unsecured loan terms often 3–60 months depending on status and product.

– What are the eligibility criteria for construction business finance?
Lenders look at time trading, turnover and affordability, recent bank statements, contract pipeline/JCTs, certifications, debtor history, CIS where relevant, and available security.

– What documents help speed up a decision?
3–6 months’ bank statements, latest accounts or managements, CIS statements, applications/certifications, key contract or JCT summaries, asset lists (if relevant), and director ID.

– Can start-ups or firms previously declined still apply?
Yes—some partners consider early-stage businesses with relevant experience and viable contracts, and a wider panel may help if you’ve been declined elsewhere.

– How much will it cost and are there fees to use your service?
Our service is free with no obligation, while actual rates and fees are set by lenders (e.g., fixed repayments for loans, service fee plus discount rate for invoice finance, monthly interest and fees for bridging) subject to status and criteria.