Construction Business Loans: Fast Finance for UK Builders, Contractors and Developers
Secure funding for materials, labour, plant and cash flow — with no‑obligation quotes from trusted UK lenders and brokers.
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.
- Free eligibility check (no impact on your credit score)
- Rapid response — often within hours
- Sector‑experienced lenders and brokers
- No obligation to proceed
Get Quote Now •
Free Eligibility Check •
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Complete a short form — we’ll match you with suitable lenders/brokers for your construction business (£10k+).
Summary
Fast Business Loans connects UK construction companies and developers with trusted lenders and brokers for funding from £10,000 upwards. Options include working capital loans, revolving credit, CIS/stage-payment invoice finance, plant and equipment finance, fleet finance, VAT and tax funding, bridging, and development finance. Your enquiry is free, takes under two minutes, and won’t affect your credit score. You’ll receive no‑obligation quotes directly from sector‑experienced providers.
- Best for: materials, labour, plant, retentions, stage payments, VAT/tax, bridging and development
- Who we help: UK limited companies and LLPs in construction and building services
- Speed: responses typically within hours; funding timeframes vary by product
- Costs: based on amount, term, risk, security, and credit; personalised quotes only
Free Eligibility Check — no obligation, no impact on your credit score.
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.
How Fast Business Loans Works
1) Complete a quick enquiry form (under 2 minutes)
Tell us about your company, funding needs and timelines. It’s fast and free.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
2) We match you with trusted UK lenders/brokers who know construction
We connect you with partners experienced in CIS, stage payments, retentions, and project lifecycles.
3) Receive a rapid call/email to discuss your options
Get no‑obligation quotes and clear next steps — often within hours.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
4) Compare, decide, and fund — with no obligation
Choose the facility that fits your project cash flow and risk profile.
Note: Your enquiry won’t affect your credit score. Lenders may run checks if you proceed.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
What Is a Construction Business Loan?
Construction finance is commercial funding tailored to UK construction companies to bridge cash flow gaps, fund materials, pay subcontractors, acquire plant/vehicles, and manage stage payments and retentions.
Why construction is different:
- CIS and subcontractor models
- Staged payments tied to certifications
- Retentions tying up cash for months
- Weather and variance delays
- Variable project lifecycles
Common routes (jump below):
- Working capital loans
- Revolving credit facilities
- Invoice finance (including CIS/stage payments)
- Asset and equipment finance (plant & vehicles)
- VAT and tax funding
- Bridging finance
- Property development finance
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.
Construction Finance Options Explained
Option A: Working Capital Term Loans
- Best for: materials, payroll, mobilisation, surprise costs
- Terms: typically 6–60 months; secured or unsecured depending on profile
- Security: personal guarantees common; asset/property security may reduce cost
- Speed: from 24–72 hours post‑approval (varies by lender and documentation)
- Note: early repayment options may be available — confirm with the lender
Option B: Revolving Credit Facilities (Overdraft Alternatives)
- Best for: flexible drawdowns through fluctuating project phases
- Terms: rolling facility; limits reviewed periodically
- Security: PGs common; larger limits may be secured
- Speed: typically fast once the facility is set up
Option C: Invoice Finance for Construction (CIS/Stage Payments)
- Best for: bridging long payment cycles, retentions, and stage payments
- Types: factoring (with collections) or confidential invoice discounting
- Fit: main contractors and subcontractors; projects with signed contracts/certifications
- Considerations: treatment of retentions varies; lenders may require visibility of contracts/certs
- Speed: approved advances can release cash quickly post‑certification
Option D: Asset and Equipment Finance (Plant, Tools, Machinery)
- Best for: excavators, telehandlers, scaffolding, specialist tooling, off‑site fabrication kit
- Types: hire purchase, finance lease, refinance of owned assets
- Security: the asset typically acts as security
- Speed: from a few days depending on supplier and documentation
Option E: Vehicle and Fleet Finance
- Best for: vans, pickups, HGVs for site teams
- Structures: lease, HP, contract hire
- Notes: mileage and usage terms vary — confirm before signing
Option F: VAT and Corporation Tax Funding
- Best for: smoothing lump‑sum VAT/corporation tax bills
- Terms: short‑term, structured repayments aligned to cash flow
Option G: Bridging Finance
- Best for: short‑term funding between purchases/sales; meeting tight deadlines
- Security: typically secured against property/land; valuations required
- Term: typically 3–18 months
Option H: Property Development Finance
- Best for: new builds, conversions, refurbishments and extensions
- Requirements: planning, cost plan, schedule, professional team, exit strategy
- Structure: senior debt; specialist brokers may arrange mezzanine/equity
- Drawdowns: stage‑drawn against surveyor sign‑off
Ready to explore? Get Quote Now — No obligation. We’ll match you with lenders/brokers who understand construction.
Eligibility & What Lenders Look For
- Trading profile: time in business, turnover, UK limited company or LLP, CIS status
- Project pipeline: signed contracts, frameworks, order book visibility
- Affordability & credit: bank statements, payment conduct, personal and business credit
- Security and guarantees: personal guarantees, debentures, property or asset security (where applicable)
- HMRC compliance: VAT/CIS filings and any arrangements
Documents checklist:
- Basic company info and director IDs
- Last 3–12 months’ business bank statements
- Latest accounts and/or management accounts
- Aged debtor/creditor reports (if applicable)
- Sample contracts, applications for payment, stage certifications
- Asset list (if applying for asset finance)
- For development: planning permission, cost plan, schedule, valuation details, exit plan
Costs, Terms & Repayments Explained
Pricing depends on your amount, term, sector risk, security and credit profile. Your matched broker/lender will provide a personalised, no‑obligation quote.
Potential costs to consider:
- Interest and/or facility fees
- Arrangement/valuation/legal fees (secured products)
- Drawdown/transaction fees (some facilities)
- Early repayment rules (some products offer flexibility)
Repayment types include fixed monthly, interest‑only (bridging), or revolving drawdowns for flexibility.
Transparency note: We don’t set rates or give financial advice. We introduce you to lenders and brokers who provide offers directly. Credit is subject to status and terms.
Risk warning: Missing repayments can cause serious money problems. For free, impartial help visit MoneyHelper.
Practical Use Cases for Construction Firms
- Mobilisation: buy materials upfront for a new project start
- Labour: cover payroll/subcontractor payments while awaiting certification
- Retentions: bridge cash tied up in retentions
- Plant & equipment: acquire or refinance machinery to lower upfront costs
- Tendering & growth: finance bids, accreditations, and expansion
- VAT/tax: smooth the cash impact of quarterly or annual bills
- Delays/changes: manage cash flow during weather or variation delays
Short examples:
- Groundworks contractor uses invoice finance against stage‑certified applications to improve cash flow between milestones.
- Roofing firm secures a telehandler via asset finance, preserving working capital for wages and materials.
Why Choose Fast Business Loans
- Sector expertise: we connect you with lenders/brokers who understand CIS, retentions, and stage payments
- Speed and simplicity: one short form; quick response
- No pressure, no obligation: you decide if you want to proceed
- Free to use for business owners: we’re paid by our partners
- Trusted partners: verified UK lenders/brokers who treat customers fairly
Data privacy: Your details are handled securely and only shared with appropriate partners for your enquiry.
Compliance, Transparency and Important Information
- Fast Business Loans is not a lender and does not provide financial advice. We act as an introducer, connecting UK businesses with trusted brokers/lenders.
- Your enquiry does not affect your credit score. If you proceed, partners may conduct credit and affordability checks.
- Credit is subject to status. Terms and conditions apply. Rates and fees vary by provider and your circumstances.
- Missing repayments can cause serious money problems. For free, impartial help visit MoneyHelper.
- We aim for promotions to be clear, fair and not misleading. No guarantees of acceptance or specific loan terms are made on this page.
FAQs: Construction Business Loans
Will applying affect my credit score?
No. Submitting our enquiry form won’t affect your credit score. If you proceed with a lender/broker, they may carry out credit and affordability checks.
How quickly can funds be available?
Some products fund within 24–72 hours once approved and documents are in place. Secured facilities (e.g., bridging or development finance) may take longer due to valuations and legal work.
Do you support start‑ups and small contractors?
Many partners can consider newly incorporated limited companies and smaller contractors. Lenders focus on experience, contracts and affordability.
Can I apply with less‑than‑perfect credit?
Potentially. Outcomes depend on recent payment conduct, security and contract pipeline. Our panel includes lenders who assess cases individually.
Secured vs unsecured: what’s the difference?
Secured facilities use an asset or property as security, which can reduce cost but increases risk if you default. Unsecured loans rely on credit strength and may require a personal guarantee.
What can I use the funds for?
Materials, labour, subcontractors, plant/tools, vehicles, VAT/tax, mobilisation, bridging retentions, and more — all for business purposes.
How much can I borrow?
Our partners typically support facilities from £10,000 upwards, subject to status and product type.
Do you work with sole traders and partnerships?
We currently focus on UK limited companies and LLPs rather than sole traders.
How does invoice finance work with stage payments and retentions?
Subject to provider terms, advances can be made against certified applications/stage invoices. Treatment of retentions varies — a specialist will explain what’s possible.
Will I need a personal guarantee?
Personal guarantees are common for many facilities. The exact requirements depend on the lender, amount and security offered.
Can I finance VAT or corporation tax?
Yes — dedicated tax funding can spread lump‑sum bills into manageable monthly payments.
Do you handle development finance and bridging loans?
We introduce you to brokers/lenders who offer development and bridging finance, subject to status and requirements such as planning and exit strategy.
1) What is a construction business loan?
A construction business loan is finance tailored for UK builders, contractors and developers to fund materials, labour, plant, vehicles, stage payments and retentions, matched via Fast Business Loans to trusted lenders/brokers.
2) Who is eligible for construction finance through Fast Business Loans?
We help UK limited companies and LLPs in construction and building services (not sole traders), subject to status and affordability.
3) How quickly can I get funding?
Many facilities can fund within 24–72 hours once approved and documents are in place, while secured options like bridging or development finance take longer due to valuations and legal work.
4) Will applying affect my credit score?
No—submitting our quick enquiry form won’t affect your credit score; partners may run checks only if you proceed.
5) How much can I borrow?
Our partners typically support construction finance from £10,000 upwards, depending on product type, security and credit profile.
6) Do you support start-ups or firms with imperfect credit?
Yes—many partners will consider newly incorporated limited companies and those with less‑than‑perfect credit, focusing on experience, contracts/pipeline, affordability and any security.
7) Can I finance stage payments, CIS invoices and retentions?
Yes—specialist construction invoice finance can advance against certified applications/stage invoices, with treatment of retentions varying by provider.
8) Do you offer plant, equipment and vehicle finance?
Yes—asset and fleet finance (hire purchase, lease or refinance) can fund excavators, tools, scaffolding, vans and HGVs, often with the asset as security.
9) What documents will lenders typically ask for?
Expect recent business bank statements, accounts or management accounts, debtor/creditor reports, director ID, and relevant contracts/certifications—plus planning, cost plans and exit strategy for development schemes.
10) How does Fast Business Loans work and is there any obligation or cost?
Complete a short form, we match you with sector-experienced UK lenders/brokers who contact you quickly with options, and the service is free with no obligation to proceed.