Construction Business Loans — Fast Funding for UK Builders and Contractors
Connect with trusted UK lenders and brokers for construction finance — materials, labour, plant, vehicles, contracts, and cash flow. Free eligibility check. No obligation.
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.
Get Quote Now
Free Eligibility Check
- Not a lender and no financial advice — we introduce you to verified UK lenders/brokers.
- Enquiry won’t affect your credit score. Partners may run checks if you proceed.
- Typical funding from £10,000 to £5,000,000+ (subject to status and affordability).
- Fast response — often same working day.
Fast Business Loans is a free introducer, not a lender. Eligibility and terms depend on your circumstances. Security or a personal guarantee may be required. Late or missed payments can affect your credit rating and may result in additional charges.
Quick summary
Looking for construction business loans in the UK? We’re a free introducer that connects limited companies and partnerships in construction with specialist lenders and brokers for fast, flexible finance — from working capital and invoice finance to plant, vehicles, contract, bridging and development funding.
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.
- Funding uses: materials, labour, plant, vehicles, mobilising projects, stage payments, retentions, VAT/tax, refinancing, and growth.
- Typical amounts: £10,000 to £5,000,000+ (subject to status, security, and product type).
- Enquiry won’t affect your credit score; partners may run checks if you proceed.
Get Started — Free Eligibility Check
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
What Are Construction Business Loans?
Construction business loans (or construction finance UK) are funding solutions tailored to builders, contractors, developers, and trades operating under CIS, stage billing, and retention-heavy contracts. Facilities are designed to bridge cash flow gaps caused by mobilisation costs, materials, labour, certification cycles, stage payments, and retentions.
Typical uses include:
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Buying materials and pre-ordering supplies
- Covering payroll, subcontractors, and mobilisation costs
- Funding plant, machinery, vans, and HGVs
- Bridging retention and certification delays
- Smoothing VAT and tax liabilities
- Supporting expansion, new tenders, and multi-site growth
Want a deeper dive? Explore our overview of construction business loans.
Tell us what you need — we’ll match you with suitable lenders and brokers
Why Choose Fast Business Loans
- Sector specialists: We connect you with verified UK brokers/lenders experienced in CIS, stage payments, retentions, and supply chain risk.
- Save time: Compare options without calling dozens of providers.
- Higher approval odds: Matching based on sector, structure, and requirement increases suitability.
- Free and no obligation: Our service costs nothing to use — you decide if you proceed.
- Clear, fair, and not misleading: Straightforward information and transparent next steps.
Important note: We are not a lender and we do not provide financial advice. We introduce you to professional brokers/lenders who provide finance directly.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
How Our Enquiry-to-Quote Process Works
Step 1 — Quick Enquiry (under 2 minutes)
Share basic details about your business, funding need, and timing.
Step 2 — Smart Matching
We introduce you to sector-fit brokers/lenders aligned to your contract structure, assets, and objectives.
Step 3 — Rapid Contact
Expect a fast call/email during business hours to discuss options, required documents, and timelines.
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.
Step 4 — Compare and Decide
Review tailored options and choose whether to proceed. No obligation.
Credit score note: Your enquiry with us won’t affect your credit score. If you proceed to an application, partners may run soft or hard checks.
Types of Construction Finance We Can Connect You With
Every construction firm’s cash cycle is unique. Our partners tailor facilities for contractors, sub-contractors, builders, small developers, and specialist trades.
Working Capital and Cashflow Loans
Short-to-medium term loans to cover payroll, mobilisation, and materials. Terms vary by status and security, often 3–36 months. Useful when contracts ramp up and costs land before certification or stage payments.
Invoice Finance for Construction (including CIS)
Unlock cash tied up in certified applications and invoices. Experienced lenders can manage pay-when-paid clauses, stage billing, and retentions — reducing the friction between work done and cash received.
Asset & Equipment Finance (Plant, Machinery, Vehicles)
Fund or refinance excavators, cranes, MEWPs, telehandlers, vans, and HGVs. Options range from hire purchase to finance lease, with potential VAT deferral and seasonal payment profiles (product-dependent).
Contract Finance & Stage Payments
Facilities aligned to milestones and certified work — supporting labour, materials, and subcontractor costs while you await stage payments or completion.
Bridging & Development Finance
Short-term finance for site acquisition, build costs, or delays in sales or refinance. Property development finance is specialist; rates/fees vary and security is required.
VAT & Tax Funding
Spread VAT or corporation tax bills to protect working capital. Useful for businesses with lumpy cash flow or clustered project completions.
Refinance & Consolidation
Restructure multiple commitments into a clearer plan, improve monthly outgoings, or release equity from assets (subject to valuation and status).
Who We Help in the Construction Supply Chain
- Main contractors and principal contractors
- Sub-contractors operating under CIS
- Trades: electrical, plumbing, roofing, HVAC, fit-out, groundworks, civils
- Housebuilders and small developers
- Civil engineering and infrastructure firms
- Specialist plant and equipment hire businesses
We support limited companies and partnerships. Minimum finance typically £10,000.
What Lenders Typically Look For (Eligibility)
For Established Firms
- Time trading and turnover trends
- Margins by contract and historic profitability
- Order book/pipeline and contract structure (CIS, stage billing, retentions)
- Existing commitments and asset leverage
- Cash flow forecasts and WIP management
- Management experience and project delivery record
For Start-Ups and Newer Companies
- Directors’ sector experience and track record
- Contracts in hand or letters of intent
- Security, deposits, or personal guarantees (product-dependent)
- Realistic projections and mobilisation plan
Credit History Considerations
Adverse credit may still be workable with the right product and security. Being transparent about CCJs/arrears/returned items helps match you to suitable partners.
Eligibility is always subject to status and affordability.
Costs, Terms and Repayments — What to Expect
There is no single rate for construction finance. Lenders price individually based on risk, term, security, and product type.
Key factors that influence cost include:
- Facility size and duration
- Sector and contract risk, retentions, and debtor quality (for invoice/contract finance)
- Asset age and condition (asset finance)
- Security available and presence of personal guarantees
- Trading history, margins, and cash flow forecasts
Repayments vary by product: fixed or flexible monthly for loans and asset finance; drawdowns and service/margin for invoice finance; interest-only or rolled-up interest on some bridging/development facilities (case-dependent).
Any example is for illustration only; your quote will differ. Fees, charges, and security requirements vary.
Documents You’ll Need for a Fast Quote
You can start with minimal info. Partners will confirm exactly what’s needed. Common items include:
- Basic business details and director identification
- 3–12 months business bank statements
- Latest filed accounts and/or recent management figures
- Contracts/pipeline and application schedule (where applicable)
- CIS documentation (if relevant)
- Asset details and invoices (for asset finance)
- Debtor list/aged receivables (for invoice/contract finance)
Responsible Finance and Compliance
- We strive to ensure all information is clear, fair and not misleading.
- We are an introducer, not a lender, and we do not provide financial advice.
- Submitting an enquiry does not affect your credit score; partners may perform credit checks if you proceed.
- Eligibility and funding are subject to status, affordability, and additional checks.
- Security or personal guarantees may be required. Late/missed repayments can affect your credit rating and may result in additional charges.
- No obligation to accept any offer.
FAQs
Is Fast Business Loans a lender?
No. We’re a free introducer. We match UK businesses with trusted finance brokers and lenders who can provide finance directly.
Will my enquiry affect my credit score?
No. Enquiries with us don’t affect your credit score. If you proceed, partners may run soft or hard checks.
How quickly can construction finance be arranged?
Simple facilities can sometimes be arranged within days once documents are in place. Complex funding (e.g., development) can take longer. You’ll receive a fast response after your enquiry.
What loan sizes are available?
Our partners typically support from around £10,000 up to £5,000,000+ depending on product and status.
Can you help with CIS and stage payments?
Yes — we’ll connect you with partners who understand CIS, applications for payment, certifications, and retentions.
Do you support start-ups and smaller contractors?
Many partners do, especially where directors have relevant experience, viable contracts, and sensible projections.
Will I need security or a personal guarantee?
Possibly. It depends on the product, facility size, and your circumstances. Asset-backed and property facilities typically require security.
What information do you need to get a quote?
Basic business details and the funding requirement are enough to start. Partners may then request bank statements, accounts, contracts, CIS info, or asset details as applicable.
What are the typical terms?
Many loans/asset finance run 3–60 months; invoice/contract finance is ongoing while in use; bridging/development is case-by-case.
What does it cost to use Fast Business Loans?
It’s free for business owners to submit an enquiry. There’s no obligation to proceed.
Next Steps
Get fast, free introductions to sector-specialist UK finance partners for construction. It takes less than two minutes to start, and there’s no obligation to proceed.
Get Quote Now
Free Eligibility Check
Speak to a Finance Partner
We’re an introducer, not a lender. Enquiries won’t affect your credit score; partners may run checks if you proceed.
– Are you a lender and what does it cost to use your service?
No — Fast Business Loans is a free introducer that matches UK businesses with trusted lenders and brokers, and there’s no obligation to proceed.
– How quickly can I get a construction business loan?
You’ll get a fast response the same working day, and once documents are ready simple facilities can complete within days while more complex funding (e.g., development) can take longer.
– How much can I borrow for construction finance?
Typical amounts range from £10,000 to £5,000,000+ depending on product type, status, and available security.
– Will my enquiry affect my credit score?
No — submitting an enquiry with us won’t affect your credit score, though partners may run soft or hard checks if you choose to proceed.
– Am I eligible if I’m a start-up or have adverse credit?
Many partners consider start-ups and firms with credit blips where there’s relevant experience, viable contracts, and suitable security or guarantees.
– Can you help with CIS subcontractors, stage payments, and retentions?
Yes — we connect you with lenders experienced in CIS, applications for payment, certifications, stage billing, and retentions.
– What types of construction finance can you connect me with and what can it cover?
We can introduce you to working capital loans, invoice/contract finance, asset and equipment finance, bridging and development finance, VAT/tax funding, and refinance to cover materials, labour, plant, vehicles, mobilisation, and cash flow gaps.
– Will I need security or a personal guarantee?
Requirements vary by product and circumstances, but asset-backed and property facilities typically require security and many lenders may ask for a personal guarantee.
– What documents do I need to get a quote?
Start with basic business details, then lenders usually request recent bank statements, accounts or management figures, contracts/pipeline, CIS documentation, debtor lists, and asset invoices where relevant.
– How are rates, fees, and repayments structured for construction finance?
Pricing is case-by-case based on risk, term, security, and product, with fixed or flexible monthly payments for loans/asset finance, service fees and margins for invoice/contract finance, and interest-only or rolled-up options on some bridging/development facilities.