Construction Business Loans: Fast, Flexible Finance for UK Contractors
Quick summary: Need construction finance in the UK? Fast Business Loans connects UK construction companies with trusted lenders and brokers for working capital, asset and equipment finance, invoice finance (including applications for payment), and development/bridging facilities. We’re an introducer, not a lender, and our service is free to use with no obligation. Indicative facilities typically start from £10,000+. Start with a fast, Free Eligibility Check and get matched to sector-aware partners who understand JCTs, CIS and retentions.
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.
Who We Are (Fast, Simple, Free)
Fast Business Loans helps UK construction firms connect quickly with suitable business finance providers. We are an introducer, not a lender, and we do not provide financial advice. Our role is to match your requirements with lenders and brokers who understand construction finance in the UK—so you can compare options faster.
- We connect UK construction companies with sector-relevant lenders and brokers.
- No obligation to proceed and free to use.
- Rapid responses so you can keep projects moving.
How Construction Finance Works With Fast Business Loans
1) Complete a 2-minute enquiry
Share a few details about your business, funding purpose, and the amount required (typically from £10,000+).
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.
2) Get matched to trusted UK partners who know construction
We connect you with lenders/brokers experienced in JCT contracts, CIS, retentions, and construction payment cycles.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
3) Discuss options (no obligation)
Speak with a real person. You’ll review potential solutions, timelines, and supporting documents. If you choose to proceed, partners may carry out credit checks.
4) Choose and fund
Decide what works best for your business. Your chosen lender/broker will guide you through to funding.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Finance Options for Construction Businesses
Every contractor and project is different. Here are common types of construction finance we can introduce you to:
Working Capital and Unsecured Business Loans
Designed to ease cash flow pressures such as paying for materials and labour, managing retentions, or bridging delayed client payments. Terms depend on trading history, affordability, existing obligations, and whether security or a personal guarantee is offered. Facilities typically start from £10,000+.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Asset and Equipment Finance (including Plant and Machinery)
Acquire or refinance kit without heavy upfront costs. Options include hire purchase, finance lease, and refinance of existing machinery. Use cases: excavators, telehandlers, dumpers, cranes, tools, vans, and specialist equipment to mobilise sites or win bigger contracts.
Invoice Finance for Construction (including applications for payment)
Improve cash flow while waiting on lengthy payment cycles and retentions. Some lenders can fund certified invoices and application for payment structures, including under JCT contracts, subject to counterparties and documentation.
Development and Bridging Finance (business-only)
For experienced developers operating through limited companies. Funding may be available against project viability, planning status, GDV, and suitable security. Terms vary widely and are subject to status, valuation, and due diligence.
VAT and Tax Funding
Short-term facilities to cover VAT on supplies/equipment or HMRC commitments to protect working capital.
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.
Important: All finance is subject to status, affordability, and lender criteria. Security and/or personal guarantees may be required depending on the product. Terms and availability vary.
When Construction Businesses Use Finance
- Buying materials ahead of stage payments
- Hiring or subcontracting labour
- New plant, tools, and vehicles
- Managing retentions and delayed client payments
- Mobilising for newly awarded contracts
- Site set-up and temporary works
- Refurbishments, extensions, and expansion
Who We Help in Construction
- Main contractors, specialist subcontractors (CIS) trading via limited companies, housebuilders, shopfitters
- Groundworkers, bricklayers, steel fixers, carpenters, M&E firms
- Roofing, scaffolding, civils and infrastructure contractors
- Refurb and fit-out firms, facilities and building services
We support both newly incorporated firms and established SMEs. Criteria vary by lender; for earlier-stage businesses, secured options or guarantor-backed facilities may be more suitable.
Eligibility and What Lenders Look For
Typical checks
- UK-registered limited company, LLP or partnership
- Time trading (varies; some options may be available from day one for the right profile)
- Turnover, margins, and project pipeline
- Directors’ credit history (not always decisive; options may exist with adverse credit)
- Security and personal guarantees depending on product and risk
Documents to have ready
- 3–6 months of business bank statements
- Latest accounts and/or recent management figures
- CIS statements (if applicable)
- Contracts/JCTs, schedule of works, or purchase orders
- Aged debtor/creditor lists (for invoice finance)
- Asset list/serials (for asset finance or refinance)
- For development finance: cost plan, GDV, planning status, team experience
Costs, Terms and Repayments
Pricing is driven by product type, trading strength, project risk, security, and each lender’s policies. Some facilities offer fixed repayments; others flex with revenues or drawdowns. Seasonal or stepped repayment profiles can be available for certain products.
Fees can include arrangement/documentation fees and legal/valuation costs for secured lending. Early settlement policies vary—ask your matched lender/broker to explain your specific options. You’ll receive an individual, no-obligation quote tailored to your purpose and business profile.
Risk warning: Late or missed payments can affect your credit rating and may lead to additional interest/charges. For secured lending, your asset or property may be at risk if you do not maintain repayments.
Why Use Fast Business Loans for Construction Finance
- Sector-aware matches: partners experienced with JCTs, CIS, retentions, and applications for payment
- Compare options quickly without affecting your credit score at enquiry stage
- Fast responses from real people
- Free to use, no obligation to proceed
- Transparent, secure data handling—shared only with relevant partners to process your enquiry
Case Studies
Contractor bridging a 60-day payment delay via construction invoice finance
A mid-sized contractor facing extended payment terms under a JCT contract needed working capital to cover labour and materials. A construction-aware invoice finance partner advanced a percentage against certified applications for payment. Outcome: stable cash flow, on-time payroll, and no project disruption. From enquiry to initial funding: approximately one week after approval and documentation.
Plant and machinery acquired through hire purchase to win bigger contracts
A civils firm needed a new excavator and dumper to mobilise a multi-site programme. Using hire purchase with a manageable deposit and fixed monthly payments, the firm preserved cash and delivered projects faster. Outcome: improved capacity and eligibility for larger tenders. From enquiry to supplier payment: typically 3–10 working days, subject to underwriting.
Illustrations only. Funding is subject to status and lender criteria; outcomes are not guaranteed.
FAQs: Construction Business Loans
Can you help CIS subcontractors and specialist trades?
Yes—many partners understand the CIS scheme and consider finance for specialist trades and subcontractors operating via limited companies.
Will my enquiry affect my credit score?
No. Your initial enquiry through Fast Business Loans does not affect your credit score. If you choose to proceed, a lender or broker may run a credit check.
How quickly can I receive funds?
Initial decisions can be quick. For some products, funding may be possible in 24–72 hours once approved and documentation is completed. Timelines vary by product and complexity.
Do you support start-ups or newly incorporated contractors?
Some options exist, especially where there is suitable security, strong contracts, or experienced directors. Criteria vary by lender and product.
What documents do lenders typically need?
Common items include 3–6 months bank statements, latest accounts/managements, CIS statements (if applicable), contracts/POs or JCTs, aged debtor lists for invoice finance, and asset details for asset finance.
What if I have adverse credit?
Options may still be available. Lenders assess your business holistically—turnover, margins, contracts, security, and affordability all matter.
What’s the difference between asset finance and unsecured loans?
Asset finance is typically secured on the equipment being purchased or refinanced. Unsecured loans are not tied to a specific asset but may require a personal guarantee and are assessed on affordability and risk.
Can I finance applications for payment or certified invoices?
Some lenders support construction-specific invoice finance, including applications for payment and certified invoices, subject to contracts, documentation, and counterparties.
Do you arrange development or bridging finance?
We can introduce you to partners who provide business development and bridging finance, typically requiring planning details, GDV, experience, and suitable security.
Is there any obligation or fee to use Fast Business Loans?
Our service is free for business owners and there’s no obligation to proceed. Any broker or lender fees, if applicable, will be disclosed clearly before you decide.
For a sector overview, see our guide to construction business loans.
Start Your Enquiry
Tell us what you need and we’ll connect you with relevant lenders/brokers. Typical form fields include:
- Business name and company number
- Years trading and estimated annual turnover
- Amount required (from £10,000+) and purpose of finance
- Contact name, email, and phone
- Preferred contact time
- Consent: “I agree to Fast Business Loans sharing my details with relevant finance partners to process my enquiry.”
Privacy: Your details are handled securely and only shared with relevant partners for the purpose of processing your enquiry.
Important Information and Disclaimers
- Fast Business Loans is an introducer, not a lender, and does not offer financial advice.
- All finance is subject to status, affordability, and lender criteria. Terms and conditions apply.
- For certain facilities, security and/or personal guarantees may be required.
- Late or missed payments can cause serious money problems and affect your credit rating. For secured lending, your asset or property may be at risk if you do not maintain repayments.
- Information on this page is for general guidance only and does not constitute a recommendation.
– Are you a lender?
No—Fast Business Loans is an introducer that connects UK construction businesses with trusted lenders and brokers, and our service is free with no obligation.
– What types of construction finance can I get?
We can introduce you to working capital/unsecured loans, asset and equipment finance, construction invoice finance (including applications for payment), development/bridging facilities, and VAT/tax funding.
– How fast can construction finance be approved and funded?
Some facilities can fund in 24–72 hours once approved and documentation is complete, though timelines vary by product and complexity.
– Will my enquiry affect my credit score?
No—the initial enquiry/eligibility check won’t affect your credit score; a credit search may happen only if you proceed with a lender.
– What amounts can I apply for?
Indicative facilities typically start from £10,000+, with higher limits available for asset, invoice, or development finance subject to status and security.
– Do you support CIS subcontractors and firms on JCT contracts?
Yes—our partners understand CIS, JCTs, retentions, and construction payment cycles.
– Can I finance applications for payment, certified invoices, or retentions?
Yes—some lenders fund certified applications and invoices under JCT-style structures, subject to contracts, documentation, and counterparties.
– What documents do lenders usually require?
Expect 3–6 months’ bank statements, latest accounts/managements, CIS statements (if applicable), contracts/POs or JCTs, aged debtor lists for invoice finance, and asset details for asset finance.
– Can start-ups or firms with adverse credit get construction finance?
Often yes—options may be available where affordability, security, strong contracts, or experienced directors are in place, subject to lender criteria.
– What will it cost and will I need security or a personal guarantee?
Pricing depends on product, risk and security, may include arrangement/legal/valuation fees, and some facilities require security and/or a personal guarantee with repayments set as fixed, flexible, or seasonal.