Construction Business Loans and Finance — Fast Matches to Trusted UK Lenders

Fast, no-obligation matches to UK brokers and lenders who understand construction cash flow, contracts, and development. Enquiries are free and won’t affect your credit score.

• Free eligibility check (no impact to your credit score at enquiry stage)
• Sector specialists: construction, building services, and development
• Matches within minutes during business hours
• No obligation to proceed

Get Started — Free Eligibility Check

We are not a lender and we do not provide financial advice. We connect UK businesses with trusted brokers and lenders who may provide funding directly.

Quick answer (summary): Construction business loans and construction finance are funding options used by UK limited companies and LLPs in the sector to cover materials, plant and vehicles, payroll, subcontractors, contract mobilisation, retentions, and development. Through our free introducer service, Fast Business Loans quickly matches you to suitable UK brokers/lenders across products such as unsecured/secured loans, invoice finance, asset and equipment finance, vehicle finance, bridging, development finance, and refinance. Minimum facility sizes typically start from £10,000, and availability depends on the lender’s criteria, your trading profile, and security (if any). No obligation to proceed; submitting an enquiry won’t affect your credit score.

Table of Contents

• Construction Finance at a Glance
• Why Construction Businesses Choose Our Panel
• Types of Construction Finance We Can Help You Access
• What Can Construction Funding Cover?
• How Our Process Works
• Eligibility and What Lenders Look For
• Documents Checklist
• Costs, Risks, and Transparency
• Sector Examples
• Why Choose Fast Business Loans
• FAQs: Construction Business Loans

Construction Finance at a Glance

• Common uses: Materials, plant/vehicles, payroll and subcontractors, retentions, contract mobilisation, prelims, interim cash flow, fit-outs, and development.
• Solutions via our partners: Unsecured/secured business loans, invoice finance/contract finance, asset and equipment finance, vehicle finance, bridging and development finance, refinance/consolidation.
• Speed: Fast initial response the same business day where possible; funding times vary by lender, product, and your circumstances.
• Eligibility: UK limited companies and LLPs; availability depends on credit profile, trading history, affordability, and security (if any). Minimum funding typically from £10,000.

Get a Quick Quote — No Obligation

Why Construction Businesses Choose Our Panel

Construction is different. Staged payments, retentions, CIS deductions, late payers, fluctuating labour and material costs, and time-critical plant needs all create cash flow pressure. Spending days phoning around lenders isn’t practical when projects need to move.

Fast Business Loans saves you time by matching your business with UK brokers and lenders who already understand construction risk, contracts, and drawdown needs. That can increase the chances of finding a suitable option faster—without you needing to explain your trade from scratch. Our service is free to use and there’s no obligation to proceed.

Important: Approval is not guaranteed; all funding is subject to status and lender criteria.

Start Your Enquiry — It Takes Under 2 Minutes

Types of Construction Finance We Can Help You Access

Business Loans (secured and unsecured)

• Who it’s for: Limited companies and LLPs needing flexible working capital for materials, payroll, site prelims, HMRC/VAT/TTP (subject to lender policy).
• Pros: Simple lump sum; can be fast; can work alongside other facilities.
• Considerations: Rates and terms depend on your profile, security, and the specific lender’s criteria. Unsecured loans may require a personal guarantee. Minimum amounts usually from £10,000.

Invoice Finance / Contract Finance

• Who it’s for: Firms billing main contractors or clients on staged works who want to unlock cash tied up in applications and invoices.
• Pros: Reduces cash gaps caused by retentions and long payment cycles; scales with turnover.
• Considerations: Facility and service fees vary by usage and debtor quality; providers prefer clear paper trails, contracts, and payment histories.

Asset & Equipment Finance

• Who it’s for: Funding for plant, tools, machinery, and technology via hire purchase, lease, or refinance.
• Pros: Spreads cost over time; the asset often acts as security.
• Considerations: Maintenance and insurance responsibilities; suitability depends on asset type and age.

Vehicle Finance for Fleets & Vans

• Who it’s for: Vans, trucks, and specialist vehicles for site and logistics.
• Pros: Helps preserve working capital; commonly structured as HP or lease.
• Considerations: Terms depend on deposit, asset, and credit profile.

Bridging & Property Development Finance

• Who it’s for: Site acquisition, refurbishments, and ground-up developments with staged drawdowns.
• Pros: Purpose-built for property timelines; supports heavy/light works.
• Considerations: Typically secured on property; valuations and monitoring apply; evidence of costs and a clear exit strategy required.

Refinance & Consolidation

• Who it’s for: Companies looking to restructure multiple debts to reduce monthly outgoings or simplify cash flow.
• Pros: May improve cash flow consistency and simplify payments.
• Considerations: Extending terms can increase total finance costs; discuss implications directly with the broker/lender.

Clear, fair wording: Rates and terms depend on your circumstances and each lender’s criteria. Security may be required.

Compare Your Options — Free Eligibility Check

What Can Construction Funding Cover?

• Upfront materials and plant hire before stage payments are received
• Payroll and subcontractors during peak periods
• Contract mobilisation, prelims, and site setup
• Managing retentions and delayed invoice payments
• Refit/fit-out of depots, yard upgrades, or new facilities
• Vehicles, plant, tools, and equipment purchases or leases
• Growth opportunities, new tenders, and scaling teams

Get Matched to Suitable Lenders

How Our Process Works

1. Complete a short enquiry (under 2 minutes).
2. We match you with trusted UK brokers/lenders aligned to construction.
3. Receive options and next steps via a quick call or email.
4. Compare and decide — there’s no obligation to proceed.

Submitting an enquiry won’t affect your credit score. Partners may run credit and affordability checks if you choose to proceed.

Start Your Enquiry

Eligibility and What Lenders Look For

Exact criteria vary by lender and product, but common factors include:

• UK entity type: Limited company or LLP (minimum funding typically £10,000+)
• Recent business bank statements (usually 3–6 months)
• Filed accounts or management information
• Directors’ ID and address verification
• Contract pipeline, applications for payment, invoice ledger, debtor book (for invoice/contract finance)
• Asset details or quotes (for asset/vehicle finance), and property/security (for secured/development)
• Affordability, trading history, credit profile, and existing commitments

Start-up limited companies can sometimes be matched; criteria differ widely. Many unsecured facilities require a personal guarantee — discuss obligations and risks with the broker/lender before proceeding.

Free Eligibility Check

Documents Checklist

Not all items are required up-front. Be prepared to share:

• Basic company details and director information
• Last 3–6 months of business bank statements
• Latest accounts or managements
• Key contracts, applications for payment, or invoices
• Asset details/quotes (for asset finance)
• Project appraisals, cost schedules, and exit plans (for development finance)

Submitting your basic enquiry first is fine — lenders will request what they need if you proceed.

Costs, Risks, and Transparency

• Rates/fees: Set by each lender and product, and depend on your circumstances.
• Security: Some products are secured on assets or property. Missed payments can lead to additional charges and the loss of secured assets.
• Credit: Missed or late repayments can affect your credit rating and make future borrowing more difficult.
• No guarantees: Approval is not guaranteed; all funding is subject to status and lender criteria.
• Our role: We are an introducer, not a lender. Our service is free for business owners. We may receive a fee from partners if you proceed.

Always compare options and ask the matched broker/lender to explain the total cost, terms, security requirements, and any early settlement fees.

Speak to a Specialist Broker — Get Started

Sector Examples

Here are typical ways funding supports construction businesses (illustrative scenarios):

• A regional contractor uses invoice finance to bridge a 60–90 day payment cycle, enabling timely purchase of materials for the next phase.
• A civils subcontractor secures asset finance for an excavator, increasing capacity and improving utilisation for a long-term framework.
• A developer arranges staged development finance to acquire a site and fund build costs, with an agreed exit via refinance/sales.

Outcomes vary. Funding depends on lender criteria and individual circumstances.

Why Choose Fast Business Loans

• Fast matches: We connect your construction business to suitable UK brokers/lenders in minutes during business hours.
• Sector experience: Our partners understand staged payments, retentions, plant, and development drawdowns.
• Free and no obligation: It costs nothing to enquire, and you choose whether to proceed.
• Secure handling: Your details are shared only with relevant finance partners.
• Breadth of options: From business loans and invoice finance to asset, vehicle, bridging, and development finance.

Get Your Free Eligibility Check Now

FAQs: Construction Business Loans

Is Fast Business Loans a lender?

No. We are an introducer. We connect UK businesses with trusted brokers and lenders who may provide finance directly. We do not provide financial advice.

Will my enquiry affect my credit score?

No. Submitting our enquiry form does not affect your credit score. If you choose to proceed, matched partners may run credit and affordability checks with your consent.

How quickly can construction funding be arranged?

You’ll typically receive an initial response within hours on business days. Funding times vary by product, lender, and your circumstances (e.g., valuations and legals for secured/development).

What loan amounts and terms are available?

Minimum funding typically starts from £10,000. Maximum amounts and terms depend on the product, affordability, security (if any), and the lender’s criteria.

Do I need to provide security or a personal guarantee?

It depends on the product and lender. Secured facilities may be secured on assets or property. Many unsecured facilities require a personal guarantee. Discuss obligations and risks with the broker/lender.

Can you help limited company subcontractors?

Yes — we work with limited companies and LLPs across the construction supply chain, including main contractors, subcontractors, and developers.

What information will I need to provide?

Basic company details, recent bank statements, accounts/managements, and (where relevant) contract documentation, invoice ledgers, asset details, or project appraisals.

Do you charge me a fee?

No, our matching service is free for business owners. We may receive an introducer fee from our partners if you proceed.

Are your partners regulated?

Our partners are established UK brokers and lenders. You should always read their terms and disclosures carefully and ask questions before committing.

Can you help if I’ve been declined elsewhere?

Potentially. Different lenders have different criteria. Our panel can often explore alternative options where appropriate.

Get a Quick Quote — No Obligation

Updated on October 2025

Related reading: Learn more about construction business loans.

Disclosure and risk warning: Fast Business Loans is an introducer, not a lender, and does not provide financial advice. We connect UK businesses with trusted brokers and lenders who may offer finance directly. Enquiries are free and carry no obligation. Submitting an enquiry will not affect your credit score. If you choose to proceed, partners may conduct credit and affordability checks. Approval is not guaranteed and is subject to lender criteria. For secured finance, assets or property may be at risk if you do not keep up repayments. We may receive an introducer fee from partners if you go ahead.

For general guidance on CIS deductions, see HMRC’s Construction Industry Scheme overview (external): gov.uk/what-is-the-construction-industry-scheme

– Is Fast Business Loans a lender?
No—Fast Business Loans is an introducer that connects UK construction companies with trusted brokers and lenders and does not provide financial advice.

– Will my enquiry affect my credit score?
No, our free eligibility check has no impact at the enquiry stage; if you proceed, partners may run credit and affordability checks with your consent.

– How quickly can construction funding be arranged?
We typically match you within minutes during business hours, with funding times varying by product, lender, and any required valuations or legal work.

– What types of construction finance can I access and what can it cover?
Through our partners you can access unsecured/secured business loans, invoice/contract finance, asset and vehicle finance, bridging and development finance to fund materials, plant, payroll and subcontractors, contract mobilisation, retentions, fit-outs, and development.

– How much can I borrow and what terms are available?
Facilities usually start from £10,000, with amounts, rates, and terms set by the lender based on affordability, credit profile, trading history, and security (if any).

– Who is eligible to apply?
UK limited companies and LLPs in construction and related trades are eligible, including some start-ups subject to lender criteria.

– Do I need to provide security or a personal guarantee?
Some products are secured on assets or property and many unsecured facilities require a personal guarantee, with requirements confirmed by the matched broker or lender.

– What rates and fees should I expect?
Pricing depends on the lender, product, and your profile and usage, so always compare total cost, terms, security, and any early settlement fees before proceeding.

– Do you charge a fee or require any obligation to proceed?
Our matching service is free for business owners and there is no obligation to proceed, and we may receive an introducer fee from partners if you go ahead.

– Can you help if I’ve been declined elsewhere or have adverse credit?
Potentially, because different lenders have different criteria and our panel can explore alternatives where appropriate, subject to status.