Construction Business Loans — Fast, Flexible Finance for UK Contractors

Rising materials costs, labour pressures, stage payments, retentions and slow payers can strain cashflow on even well‑run projects. Fast Business Loans connects UK construction firms with specialist lenders and brokers who understand JCT contracts, CIS and the full build lifecycle. It’s free to use, there’s no obligation, and checking your eligibility won’t affect your credit score.

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Free Eligibility Check
Minimum enquiry amount: £10,000+

Quick Summary

Construction business loans are flexible finance options tailored to UK construction companies and contractors, helping fund mobilisation, materials, plant and machinery, labour, VAT/tax, retentions and project cashflow gaps. We’re not a lender; we introduce you to trusted UK brokers and lenders based on your needs, sector and documentation. Finance is subject to status and affordability, and secured borrowing may put assets at risk. Start with a fast, no‑obligation Free Eligibility Check.

Table of Contents

• What Are Construction Business Loans?
• Types of Construction Finance We Can Connect You With
• How Our Free Matching Service Works
• Eligibility and What Lenders Look For in Construction
• Costs and Repayments: What to Expect
• Finance That Fits the Construction Lifecycle
• Why Construction Firms Choose Fast Business Loans
• What You’ll Typically Need
• How Fast Can Funding Arrive?
• Important Information and Risks
• Construction Finance FAQs
• Start Your Free Eligibility Check

What Are Construction Business Loans?

Construction business loans are short‑ and medium‑term funding solutions tailored for UK construction companies, main contractors, subcontractors and property developers. Rather than a one‑size‑fits‑all loan, these solutions are designed around the realities of construction cashflow — stage payments, applications for payment, retentions and variations — so you can keep sites moving and teams paid.

Common uses include:

• Pre‑start mobilisation and site setup
• Upfront materials purchases and staged procurement
• Labour and subcontractor costs between milestones
• Plant, machinery, tools, vehicles and fleet
• Bridging cashflow gaps caused by slow payers or contract changes
• Funding retentions during defects periods
• VAT and tax obligations to HMRC

Fast Business Loans is an introducer, not a lender. We match your business with suitable UK finance brokers and lenders; all facilities are subject to status and affordability. No guaranteed approval, and we’ll never say “instant” funding — we keep it clear, fair and not misleading.

Types of Construction Finance We Can Connect You With

We don’t lend and we don’t provide financial advice. We introduce you to verified UK lenders and brokers who specialise in construction finance so you can compare options quickly and choose what’s right for your business.

Unsecured Business Loans

• Best for: General working capital, smaller purchases, fast turnarounds.
• Uses: Mobilisation, materials top‑ups, short‑term cashflow.
• Considerations: Affordability checks apply; personal guarantees may be required; subject to status.

Secured Business Loans

• Best for: Larger amounts using property or assets as security.
• Uses: Significant materials, multi‑site mobilisation, equipment bundles.
• Considerations: Your property/assets may be at risk if you don’t keep up repayments.

Asset & Equipment Finance (Plant, Machinery, Tools)

• Facilities: Hire purchase, finance lease, refinance.
• Assets: Excavators, telehandlers, dumpers, scaffolding, MEWPs, workshop/CNC, IT.
• Benefits: Spread cost, preserve cashflow; the asset may serve as security.

Vehicle & Fleet Finance

• Assets: Vans, pickups, HGVs, tipper trucks, specialist vehicles.
• Approaches: Hire purchase, lease, refinance of owned vehicles.

Invoice Finance for Construction (incl. Applications for Payment)

• What it does: Unlocks cash tied up in certified valuations, stage payments and applications.
• Benefits: Align inflows with site outflows; ongoing drawdowns.
• Considerations: Fees apply; compatibility with JCT/CIS; recourse vs non‑recourse options.

Materials & Trade Finance

• Purpose: Fund upfront materials from approved suppliers.
• Benefit: Syncs supplier terms with project receipts.

Retention Finance

• Purpose: Bring forward part of retentions held until defects/maintenance periods end.
• Benefit: Reduce long cashflow tails on completed works.

VAT & Tax Funding

• Use: Spread VAT or corporation tax payments to avoid straining working capital.

Bridging Loans

• Use: Short‑term, property‑backed funding for acquisitions, refurb and pre‑sale/refi.
• Considerations: Fees and exit plan required; subject to valuation and legal work.

Property Development Finance

• Use: Ground‑up builds, conversions and heavy refurbs.
• Stacks: Senior, junior/mezzanine; interest typically rolled‑up.
• Considerations: Planning, experience, QS reports and build‑cost schedule are key.

Looking for a deeper dive into construction business loans tailored to your trade? We can introduce you to partners who understand your contracts, risk profile and timelines.

Check Your Eligibility in Minutes

Tell us about your project or cashflow need. We’ll connect you with suitable UK brokers/lenders who understand construction. No obligation.

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How Our Free Matching Service Works

1. Complete a quick enquiry (under 2 minutes).
2. We match you with trusted partners who specialise in construction finance.
3. Receive a rapid response (often same day during business hours).
4. Compare, decide and fund. You choose — there’s no obligation to proceed.

We are not a lender and do not provide financial advice. We act as a trusted introducer to UK brokers and lenders who follow clear, fair and not misleading standards.

Free Eligibility Check

Eligibility and What Lenders Look For in Construction

• Time trading and experience (CIS history, past projects, management track record).
• Contracts and pipeline (JCTs, purchase orders, schedules of works).
• Turnover and margins (management accounts, cashflow forecasts).
• Payment profile (aged receivables; customer concentration risks).
• Credit profile (business and directors), CCJs or existing arrangements.
• Security available (assets/property) and personal guarantees policy.
• Documentation readiness (see checklist below).
• Minimum enquiry amount: £10,000+.

Some partners can consider newer limited companies with relevant experience and viable contracts. All finance is subject to status and affordability. We support UK limited companies and partnerships; we do not process sole trader enquiries.

Costs and Repayments: What to Expect

Costs vary by product type, facility size, term, security, sector risk, credit profile, contract quality and lender fees. Your matched broker/lender will give personalised figures after assessment.

Illustration only (not an offer): Borrowing £50,000 over 12 months may include a fixed interest rate and an arrangement fee. Monthly repayments and total payable depend on your exact terms and assessment. Early settlement policies vary by provider.

• Always review fees, charges and full terms before proceeding.
• For secured borrowing, your property or assets may be at risk if you don’t keep up repayments.
• Do not borrow more than you can afford. Independent professional advice may be appropriate.

Finance That Fits the Construction Lifecycle

• Pre‑start mobilisation: deposits, welfare, site setup, insurance.
• Staged materials purchasing: concrete, steel, timber, M&E, fixings.
• Labour and subcontractors between applications for payment.
• Plant purchase/lease for new and overlapping contracts.
• Change orders/variations funding.
• Retention delays and defects liability periods.
• Seasonal and weather‑related cashflow dips.
• VAT/tax peaks and annual renewals.

Free Eligibility Check — No Credit Impact to Enquire

Submit a few details, get matched to suitable partners, and see your options fast.

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Start Your Enquiry

Why Construction Firms Choose Fast Business Loans

• Speed: short form, fast introductions to sector‑savvy partners.
• Sector expertise: partners who understand JCTs, CIS and stage payments.
• Wider panel: increases the chance of a suitable fit for £10k+ needs.
• No obligation, free to use for business owners and directors.
• Transparent and secure: details shared only with relevant partners.
• Clear, fair and not misleading: plain‑English explanations; no false promises.

Check Eligibility (2 minutes)

What You’ll Typically Need

• Last 3–6 months’ business bank statements.
• Latest filed accounts and recent management accounts.
• Director/owner ID and address.
• CIS statements, UTR, VAT details (if applicable).
• Contracts/POs (JCT), schedules of works, QS valuations.
• Aged debtors and creditors reports.
• Asset list for asset‑backed options.
• For bridging/development: planning consent, build cost schedule, appraisal, valuation and exit plan.

How Fast Can Funding Arrive?

• Unsecured or asset finance: sometimes 24–72 hours after full documentation.
• Invoice finance setup: a few days; ongoing drawdowns often same day.
• Bridging: commonly 3–10 working days, subject to legals/valuation.
• Development finance: several weeks, dependent on due diligence.

Timelines depend on responsiveness, valuations, legal work and information quality.

Important Information and Risks

• We are not a lender and do not provide financial advice.
• Finance is subject to status, affordability and lender criteria.
• Secured borrowing: your property or assets may be at risk if you don’t keep up repayments.
• Interest rates, fees and terms vary; always read full T&Cs.
• Your enquiry with us won’t affect your credit score. Partners may conduct credit checks if you proceed.
• We may receive a commission from partners if you take out a product — this does not affect the price you pay.

Construction Finance FAQs

Are you a lender?
No. Fast Business Loans is an introducer. We connect you with trusted UK brokers and lenders who can offer finance directly.

Does submitting an enquiry affect my credit score?
No. Submitting an enquiry with us will not affect your credit score. If you choose to proceed, partners may run credit checks.

Do you charge a fee?
No. Our service is free for business owners and directors. If you take out a product, we may receive a commission from partners; this does not affect the price you pay.

Do you support sole traders?
We currently support UK limited companies and partnerships only, with minimum enquiry amounts of £10,000+.

What’s the minimum amount?
We organise introductions for funding needs of £10,000 and above.

Can you help if I have a CCJ or imperfect credit?
Potentially. Matching you with sector‑savvy partners can increase the chance of a fit, but all decisions remain subject to assessment and affordability.

Can invoice finance work with applications for payment?
Many providers can fund certified applications, stage payments and valuations. Suitability depends on your contracts and processes.

What security is required?
It depends on the product. Some facilities are unsecured; others require assets/property as security and/or a personal guarantee.

How quickly will I hear back?
Often the same day during business hours; sometimes within minutes.

How do I start?
Complete our simple online form. We’ll connect you to suitable partners who will contact you to discuss options. Start your Free Eligibility Check.

Start Your Free Eligibility Check

Tell us about your project or cashflow need. We’ll match you to suitable brokers/lenders who understand construction. There’s no obligation to proceed, and your details are handled securely and only shared with relevant finance partners.

Get Started •
Get Quote Now •
Free Eligibility Check

Fast Business Loans is an introducer. We are not a lender and we do not provide financial advice. Finance is subject to status, affordability, terms and conditions and may require security and/or a personal guarantee. Your property or assets may be at risk if you do not keep up repayments on a secured facility. Enquiries will not affect your credit score, but lenders/brokers may conduct credit checks if you proceed. We may receive a commission from partners if you take out a product — this does not affect the price you pay.

– What are construction business loans and how do they help UK contractors? Construction business loans are short- to medium-term finance tailored to UK contractors’ cashflow cycles—covering stage payments, applications for payment, retentions and variations—so projects keep moving.

– Are you a lender? No—Fast Business Loans is an introducer that connects UK businesses with trusted brokers and lenders, free and with no obligation to proceed.

– How does the free matching service work? You complete a quick online enquiry, we match you with sector‑savvy UK brokers/lenders, and you typically hear back the same business day to compare options.

– Who is eligible and what’s the minimum amount? We support UK limited companies and partnerships with enquiries of £10,000+ and, subject to status and affordability, some partners can consider newer firms or those with CCJs if contracts and cashflow are viable.

– What types of construction finance can I access? Options include unsecured and secured business loans, asset/equipment and vehicle finance, invoice finance for JCT/CIS applications and stage valuations, materials and retention finance, VAT/tax funding, bridging loans and property development finance.

– What can I use construction finance for? Typical uses include mobilisation and site setup, upfront materials, labour and subcontractors between milestones, plant and machinery, VAT/tax obligations, funding retentions, and bridging cashflow gaps from slow payers or variations.

– How fast can funding be arranged? Initial responses often arrive the same day, with some unsecured or asset facilities completing in 24–72 hours, bridging in 3–10 working days, and development finance taking longer due diligence.

– Will checking eligibility affect my credit score? No—our eligibility check won’t affect your credit score, though partners may conduct credit searches if you choose to proceed.

– What documents will lenders usually ask for? Expect recent bank statements, filed and management accounts, director ID, CIS/VAT details, JCT contracts or POs with QS valuations, aged debtor/creditor reports, and for bridging/development, planning, appraisals, valuations and an exit plan.

– What security and costs should I expect? Security and pricing depend on the product and assessment—some facilities are unsecured while others require assets/property and/or a personal guarantee—and rates, fees and repayment terms vary, with our service free to use and any commission from partners not affecting the price you pay.