Waiting 45–60 days for payment while materials and labour need paying now? You’re not alone. If you need fast, sector‑aware funding options for sites, plant, vehicles, or working capital, we’ll connect you with suitable UK lenders/brokers — free and without obligation.

• Free, no‑obligation enquiry in under 2 minutes
• Matched with lenders/brokers who understand construction
• No impact on your credit score to enquire

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Get Started (Free Eligibility Check)

Trust note: We are an introducer, not a lender. We do not provide financial advice.

What Are Construction Business Loans?

Construction business loans are flexible finance solutions designed for UK main contractors, subcontractors, housebuilders, developers, groundworks and civils firms, fit‑out specialists, M&E contractors, plant hire businesses, and other construction companies. They can support cash flow for materials, plant and machinery, labour and subcontractors, bridging payment gaps from stage payments and retentions, and funding new or larger contracts.

Through our network of UK lenders and brokers, we connect limited companies and LLPs with finance facilities from £10,000 and up — including working capital, asset and equipment finance, invoice finance, trade/stock finance, property development and bridging, vehicle finance, VAT/tax funding, and refinancing. If you’re researching construction business loans for your company, our matching service can save hours of guesswork.

Types of Construction Finance We Can Connect You With

Unsecured Business Loans

Short‑term working capital to cover materials, labour, or site overheads. Typically faster to arrange than secured facilities. Personal guarantees may be required.

Secured Business Loans

Larger sums, often at longer terms, secured against business or property assets. Useful for substantial cash flow support or investment in growth.

Asset & Equipment Finance (HP/Lease)

Fund plant, machinery, tools, and equipment without heavy upfront costs. Commonly structured with fixed terms and predictable repayments to protect cash flow.

Vehicle & Fleet Finance

Finance for vans, pickups, and HGVs — purchase or lease — to keep your projects moving and teams on site.

Invoice Finance for Construction (incl. Applications for Payment)

Unlock a percentage of the value of unpaid invoices or applications for payment. Some providers can accommodate CIS, stage payments, and retentions. Helps manage payroll and supplier terms when clients pay on 30–60+ day cycles.

Trade/Stock Finance

Fund material purchases for new or large contracts. Can help you accept larger orders without straining cash flow.

VAT & Tax Finance

Spread HMRC liabilities over manageable instalments to protect day‑to‑day liquidity.

Bridging Loans

Short‑term funding for property/land acquisition or to keep sites liquid before a refinance or development facility completes.

Property Development Finance

Ground‑up schemes and heavy refurbishments with staged drawdowns aligned to build phases, cost plans, and monitoring surveyor reports.

Refinance & Consolidation

Restructure existing commitments, potentially improving monthly cash flow and simplifying payments.

Free Eligibility Check — Get matched with lenders who understand construction.

Who We Help in Construction

• Main contractors and subcontractors — bridge labour, materials, and stage payment gaps
• Housebuilders and developers — site acquisition and build cost funding
• Civil engineering and groundworks — plant‑heavy operations needing equipment finance
• Fit‑out and shopfitting — fast‑moving projects with phased payments
• M&E contractors, HVAC, electrical, plumbing — tools, vehicles, working capital
• Plant hire and scaffolding — asset purchases and refinance
• Roofing, cladding, glazing, carpentry, bricklaying — manage cash flow around retentions

Our partners are familiar with CIS, applications for payment, retentions, and construction payment cycles.

How Fast Business Loans Works

Step 1 — Complete a Quick Enquiry

Tell us about your company and funding needs. Under 2 minutes. Free eligibility check. No impact on your credit score to enquire.

Step 2 — Smart Matching

We connect you with suitable UK brokers and lenders who understand construction finance.

Step 3 — Rapid Response

Expect a call or email to discuss options, indicative terms, documentation, and next steps.

Step 4 — Compare and Decide

Choose the option that suits your project and timelines. There’s no obligation to proceed.

Get Quote Now — No Obligation

Eligibility and What Lenders Consider

Every lender has different criteria. The right match can save time and improve your chances of success. Typical considerations include:

• Time trading and track record (some partners consider newer businesses)
• Annual turnover and average monthly revenue
• Profitability and cash flow trends
• Credit histories (business and personal). CCJs/arrears considered case‑by‑case
• Current contracts, work‑in‑progress, pipeline, and retention schedules
• CIS statements and applications for payment
• Security availability (assets/property) and any personal guarantees

Good to know: Your initial enquiry won’t affect your credit score. If you choose to proceed, partners may conduct credit checks to progress an offer.

Documents Checklist (Speed Up Your Quote)

Having documents ready can speed up indicative terms and approvals:

• Last 3–12 months business bank statements
• Latest filed accounts and/or recent management accounts
• Aged debtor/creditor lists (if relevant)
• CIS statements (if applicable)
• Key contracts or purchase orders
• Asset list/valuations for asset‑backed options
• Directors’ ID and proof of address

Start Your Enquiry — share documents securely with our partners after submitting.

Costs, Terms, and Risks — What to Expect

Pricing and terms vary by product type, risk profile, security, term length, and lender assessment. Market conditions and the specifics of your contracts, WIP, and retention exposure can also influence offers.

• Common terms: 3–60 months for loans/asset finance; bridging often 3–24 months; development finance aligned to build phases
• Facilities start from £10,000 and can extend to multi‑million, subject to status and affordability
• Fees and charges differ by lender and solution; your matched partner will outline all costs clearly before you decide

Important: Missing payments can affect your credit rating and may result in additional charges. For secured lending, your asset or property may be at risk if you do not keep up repayments. Personal guarantees may be required. Consider seeking independent legal/financial advice, especially for secured facilities and PGs.

Transparency: We’re an introducer, not a lender, and do not provide financial advice. After your enquiry, there is no obligation to proceed.

Real‑World Scenarios We Commonly See

• A subcontractor on 45–60 day terms uses invoice finance (incl. applications for payment) to cover payroll and materials during peak phases.
• A groundworks firm finances a new excavator on HP to preserve cash while taking on bigger sites.
• A developer secures bridging to purchase land, then transitions to development funding aligned to build stages.
• A fit‑out contractor takes a short‑term working capital facility to mobilise a high‑value, time‑sensitive contract.

Results vary. Eligibility, pricing, and speed depend on your circumstances and documentation.

Free Eligibility Check — Get matched today

Why Choose Fast Business Loans for Construction Finance

• Sector‑aware matching to construction‑savvy lenders and brokers
• Save time — one simple enquiry connects you to suitable options
• No obligation; free to use for business owners and directors
• Clear, fair, and not misleading — transparent process and terms via partners
• Fast responses during business hours

We only share your details with relevant partners. Our partners aim to treat customers fairly and explain costs and risks clearly.

FAQs: Construction Business Loans

Is Fast Business Loans a lender?

No. We’re an introducer. We connect UK construction companies with trusted brokers and lenders who may offer suitable finance.

Will my enquiry affect my credit score?

No. Your initial enquiry won’t affect your credit score. If you choose to proceed with a lender or broker, they may conduct credit checks.

What loan sizes are available?

Many of our partners can help from around £10,000 to £5 million+, depending on your business profile, product type, and security.

Can newer companies apply?

Yes. Some partners consider newer businesses if other factors (contracts, directors’ experience, security, or revenue) support the case. Criteria vary.

Do I need security?

It depends on the product and your profile. Both secured and unsecured facilities exist. Personal guarantees may be required.

Can I finance plant, tools, or vehicles?

Yes — asset and equipment finance can fund plant/machinery, tools, vehicles, and fleets on HP or lease structures.

How quickly could funds be available?

Timescales vary. Some unsecured or asset‑backed facilities can be arranged quickly once documentation is provided. Development and bridging typically take longer.

Can I apply if I’ve been declined elsewhere?

Often yes. Because we connect you to a broad panel, you may still be eligible with a different lender or structure.

What documents will I need?

See the Documents Checklist above. Having bank statements, accounts, CIS statements, and contracts ready can speed things up.

Is there any obligation to proceed after I enquire?

No. It’s free to use and there’s no obligation to proceed after receiving options.

Get Started — It takes under 2 minutes

Start Your Free Eligibility Check

Tell us about your construction funding need — cash flow, plant and machinery, vehicles, materials, VAT/tax, bridging, or development. We’ll match you to suitable UK lenders/brokers fast. It’s free, there’s no obligation, and your enquiry won’t affect your credit score.

Start Your Enquiry |
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Compliance & Transparency

Fast Business Loans is a matching service. We are not a lender and we do not provide financial advice. We introduce UK businesses to selected finance brokers and lenders based on the details you provide. There’s no obligation to proceed, and your initial enquiry will not affect your credit score. If you go ahead with an offer, our partners may pay us a commission. Finance is subject to status, terms, and affordability. For secured lending, your asset or property may be at risk if you do not keep up repayments. Consider seeking independent financial advice. Please see our site policies for Privacy, Terms, Complaints, and Cookies.