Construction Business Loans – Get Matched to Trusted UK Lenders Fast
Summary (the short version): Need funding for materials, labour, plant, or development? Fast Business Loans connects UK construction companies (Ltd and LLP) with specialist lenders and brokers who understand stage payments, JCT contracts, retentions, CIS and project risk. Submit a quick, free enquiry to see your options from £10,000+. There’s no obligation and your enquiry won’t affect your credit score; lenders may run checks if you proceed. Start now: Free Eligibility Check.
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.
Long payment cycles, retentions, upfront materials, and plant needs can strain cashflow on even the best-run sites. We make it simple to explore funding options for your next contract or development—fast. We’re not a lender and we don’t provide financial advice; we’re a free-to-use introducer that connects UK businesses to suitable brokers and lenders.
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.
Submitting an enquiry does not affect your credit score. Lenders/brokers may run checks if you choose to proceed.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
How Our Construction Finance Matching Works
1) Complete a quick enquiry (under 2 minutes)
Tell us what your business needs and the project context (e.g., stage payments, retention terms, plant/equipment, VAT needs). Minimum facility size from £10,000.
2) We match you to suitable construction lenders/brokers
We connect you with partners who understand applications for payment, JCT/NEC contracts, CIS administration, and development risk.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
3) Receive a rapid call/email to discuss options
Often the same business day. You’ll review potential products and what documents help firm up quotes.
4) Compare, choose, and fund (no obligation)
You decide if and when to proceed. Straightforward next steps and clear disclosure of fees by the lender/broker.
We’re not a lender and we don’t offer financial advice. We act as an introducer to finance providers.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Types of Construction Business Finance We Can Introduce
Working Capital & Cashflow Loans (unsecured or secured)
Flexible funding from around £10,000+ to cover payroll, materials, mobilisation, or gaps between applications for payment and receipts. Terms and costs vary by profile and security.
Invoice Finance (including construction-aware factoring)
Unlock cash tied up in applications for payment and invoices—even with JCT/NEC contracts, staged billing, and retentions. Some providers support pay-when-paid risks and sector nuances.
Asset & Equipment Finance (plant, tools, vehicles, hire purchase)
Fund excavators, telehandlers, scaffolding, access equipment, vans, pickups, and specialist kit without draining cash reserves. Structures include HP, lease, or refinance of existing assets.
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.
Materials Finance & Trade Credit Facilities
Spread materials costs to align outgoings with stage payments. Useful for larger call-offs and multi-trade projects where materials land before your application is certified.
Property Development Finance & Bridging Finance
Support land acquisition, new builds, conversions, refurbishments, and exit bridging. Lenders may consider experience, planning status, GDV, and cost-to-complete alongside security value.
VAT Loans & Tax Funding
Smooth VAT and tax liabilities so build programmes aren’t disrupted. Can help protect working capital during heavy procurement phases.
Retention Finance & CIS-Registered Contractor Support
Access part of the funds tied up in retentions and manage irregular receipts. Some partners understand CIS and how it impacts cashflow for company structures.
Refinance & Consolidation
Restructure multiple commitments into a more manageable profile, potentially reducing monthly outgoings and simplifying cashflow forecasting.
Want a deeper dive? Read more about construction business loans across typical products and scenarios.
Who We Help in Construction
We typically support UK-registered limited companies and LLPs in:
- Main contractors and subcontracting companies (including CIS-registered businesses operating as companies)
- Groundworks, civil engineering, M&E, roofing, scaffolding, joinery
- Housebuilders, SME developers, refurbishment specialists
- Trades companies: plumbing, electrical, HVAC, tiling, plastering, decorators
- Plant hire, building services, fit-out and maintenance firms
Typical Use Cases (Construction-Specific)
Mobilising a new contract
Cover deposits, upfront materials, temporary works, site setup, and labour onboarding in week one.
Managing stage payments and retentions
Bridge the gap between applications for payment and certification, and reduce pressure while retentions accrue.
Plant and fleet upgrades
Acquire or upgrade diggers, loaders, MEWPs, or vans to meet programme demands and compliance requirements.
Tendering and growth
Fund pre-construction, bonds, prelims, extra supervision, and team expansion to safely deliver larger pipelines.
Delays and overruns
Weather, supply chain issues, and variations happen. Maintain momentum and payroll while variations are agreed.
Development phases
From land purchase and build-out to marketing and exit—ensure each stage is fully capitalised.
Eligibility and What Lenders May Look For
Eligibility varies by lender and product. A quick, no-obligation enquiry helps narrow suitable options without affecting your credit score.
- UK-registered business (Ltd company or LLP)
- Minimum facility from £10,000
- Trading time and sector experience (start-up companies considered by some partners)
- Turnover, margins, and affordability
- Contract pipeline, JCT/NEC terms, applications for payment and retention profile
- Credit history (some lenders consider previous challenges)
- Security/collateral where required (for secured facilities)
- Development: site details, planning status, GDV, costs, programme, and experience
Documents that can speed things up
- Last 3–6 months’ business bank statements
- Latest filed accounts or management accounts
- Contract details, JCT/NEC terms, application and retention schedules
- Aged debtors/creditors
- Asset list (for asset finance)
- Appraisal, cost plan, and programme (for development finance)
Costs, Terms, and Repayments – What to Expect
- Pricing depends on product type, term, security, risk profile, and project specifics.
- Repayments can be daily, weekly, monthly, or staged/event-based (e.g., drawdowns in development facilities).
- Fees may include arrangement, valuation, legal, and broker fees (partners will disclose before you proceed).
- Early repayment policies vary by lender and product—ask for clarity when you receive options.
All examples are illustrative only and not an offer. Exact costs and terms depend on your circumstances and the lender’s assessment.
Why Use Fast Business Loans for Construction Finance?
Specialist Matching
We connect you with providers who understand stage payments, valuations, retentions, and CIS—so you spend less time explaining and more time building.
Save Time and Improve Your Chances
One quick form; we introduce you to suitable brokers/lenders fast. You compare and choose—no pressure, no obligation.
Free to Use
Submitting an enquiry is free and won’t affect your credit score. Lenders may run checks if you proceed.
Transparent and Secure
Clear communication and only the relevant partners see your details for the purpose of providing finance options.
What to Expect After You Enquire
- A call or email (often the same business day) to clarify your needs
- Indicative options where possible, and a clear request list for documents
- Transparent timelines, costs, and next steps direct from the lender/broker
When will I hear back? Typically within hours in business time. Any obligation? No—proceed only if the option suits you.
FAQs – Construction Business Loans
Are you a lender—will you give me a loan directly?
No. We are not a lender. We introduce UK businesses to suitable brokers and lenders who provide finance directly.
Will an enquiry affect my credit score?
No. Submitting our form will not affect your credit score. Lenders or brokers may run checks if you decide to proceed.
Do you support new construction companies?
Many partners can consider newly formed limited companies and LLPs, subject to underwriting and product fit.
What amounts and terms are available?
Facilities generally start from around £10,000 and can extend to multi-million pound arrangements depending on product and security. Terms vary by product—short-term bridging to multi-year asset finance.
Can you help if I’ve had credit issues?
Potentially. Some providers consider businesses with past challenges. Suitability and pricing depend on overall circumstances.
How quickly can funding be arranged?
Simpler facilities can be relatively quick once documents are available. Secured and development finance takes longer due to due diligence and legal work.
Do you support CIS-registered contractor companies?
Yes—several partners understand CIS and construction cashflow, including applications for payment and retentions, for businesses operating as companies or LLPs.
What fees should I expect?
Fees vary. You’ll receive clear disclosure from the lender/broker before you proceed—commonly arrangement, valuation/legal (for secured/development), and any broker fees.
Do you cover development or bridging finance?
Yes. We can introduce development and bridging specialists for land purchase, build, and exit requirements.
What information do you need to start?
Basic business details, funding need, and contact information. Supporting documents can follow to firm up quotes.
Important Information and Disclosures
- Fast Business Loans is not a lender and does not provide financial advice. We act as an introducer, connecting UK businesses with brokers and lenders.
- Submitting an enquiry is free and without obligation.
- Any finance is subject to status, affordability, and lender criteria. Terms and conditions apply.
- Your enquiry will not impact your credit score. Lenders/brokers may run credit checks if you choose to proceed.
- Information on this page is fair, clear, and not misleading to the best of our knowledge. Exact costs/terms depend on your circumstances.
Ready to Explore Your Options?
Get matched to construction-savvy lenders and brokers who understand your contracts, cashflow, and programme pressures. One quick form. No obligation. Fast responses.
Get Started | Prefer to talk? Request a call back
1) Are you a lender—will you fund my construction loan directly? No—Fast Business Loans is not a lender; we introduce UK construction businesses to trusted brokers and lenders who provide finance directly.
2) What amounts and types of construction finance can I get? Facilities typically start from £10,000 and can extend to multi‑million pounds across working capital loans, construction‑aware invoice finance, asset/equipment finance, materials finance, VAT loans, retention finance, and development/bridging finance.
3) How quickly can I get funded? After a 2‑minute enquiry you’ll usually get a same‑day call or email, with funding speed depending on product type and how quickly documents are provided.
4) Will submitting an enquiry affect my credit score? No—our free eligibility check won’t affect your credit score, though lenders may run credit checks if you choose to proceed.
5) Do you support start-ups or companies with credit issues? Yes—many partners consider newly formed Ltd/LLP firms and some can work with previous credit challenges subject to underwriting and affordability.
6) Can you finance applications for payment under JCT/NEC with retentions? Yes—selected lenders can advance against applications for payment and invoices under JCT/NEC, understanding stage payments, certification, retentions and CIS cashflow.
7) Do you fund materials, plant and vehicles? Yes—we can introduce funders for materials finance and asset finance (HP, lease or refinance) for plant, tools, vans and specialist equipment.
8) What documents will lenders typically ask for? Common requests include 3–6 months’ business bank statements, latest accounts or managements, contract/JCT terms with retention schedules, aged debtors/creditors, and asset lists or development appraisals where relevant.
9) Are loans secured or unsecured, and how are repayments structured? Both secured and unsecured options are available with repayments that may be daily, weekly, monthly, or staged/drawdown‑based depending on the facility.
10) Who is eligible and how do I apply? UK‑registered limited companies and LLPs across contractors, trades and developers are typically eligible, and you can start with a quick, no‑obligation Free Eligibility Check online.