Construction Business Loans for UK Builders and Contractors

Summary: Fast Business Loans connects UK construction companies with specialist lenders and brokers for funding from £10,000 to £5 million+ (subject to status). Options may include unsecured and secured loans, plant and machinery finance (hire purchase/lease), vehicle finance, invoice finance (including CIS and JCT), bridging/development finance, VAT and tax funding, and refinance. It’s free to enquire, no obligation, and your enquiry won’t affect your credit score. We are not a lender and do not provide financial advice.

Get Started (Free Eligibility Check) — it takes less than 2 minutes; no impact on your credit score to enquire.

Fast Business Loans is not a lender and does not provide financial advice. We introduce UK businesses to trusted brokers and lenders. All finance is subject to status, affordability and terms. Late or missed repayments can have serious consequences for your business and credit profile. Secured lending places your asset(s) at risk.

What Are Construction Business Loans?

Construction business loans are financing solutions designed around the realities of UK building projects—staged payments, applications for payment, retentions, materials funding, and the need to mobilise quickly. Fast Business Loans does not lend money and does not provide financial advice; we simply match incorporated businesses to suitable UK brokers and lenders who understand construction cash flow and contract structures.

Funding may help with:

• Materials and labour mobilisation
• Plant, machinery, tools and vehicles (hire purchase/leasing)
• Bridging and development costs
• Invoice finance against applications/JCT contracts and CIS
• VAT and tax funding during peak periods
• Working capital, cash flow smoothing, and retentions

For an industry overview, see our guide to construction business loans tailored to contractors and developers.

Free Eligibility Check — quick enquiry, no obligation, subject to status.

Who We Help in the Construction Supply Chain

We introduce incorporated UK businesses seeking £10,000+ to partners who understand construction workflows. Typical businesses include:

• Main contractors and subcontractors (groundworks, civils, M&E, roofing, interiors, fit-out)
• Plant and equipment owners/hire businesses; plant & machinery finance
• Trades: electricians, plumbers, HVAC, joinery, scaffolding
• Developers and builders (bridging/development finance)
• Construction services companies with CIS/JCT contract payments and retentions

Get Quote Now — see options in minutes (enquiry only, not an application).

Types of Construction Finance We Can Connect You With

We match your enquiry with lenders and brokers who may offer the following products (availability and terms vary; subject to status and affordability).

Unsecured Business Loans

• Uses: Working capital, materials funding, project mobilisation, cash flow gaps.
• Typical features: Fixed terms c. 6–60 months; amounts depend on turnover/credit profile; a personal guarantee may be required.
• Pros/cons: Often fast to arrange; generally higher rates than secured options.

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Secured Business Loans

• Security: Property, equipment, debentures, or other assets.
• Uses: Larger project funding, consolidation, growth and expansion.
• Pros/cons: Potentially lower rates and higher limits; additional due diligence and asset security required.

See Your Options

Asset Finance: Plant & Machinery (Hire Purchase/Lease)

• Use cases: Excavators, telehandlers, cranes, access platforms, generators, tools—new or used.
• Features: Fixed repayments; HP path to ownership; leasing for flexibility; seasonal payment profiles may be available.
• Benefits: Preserve cash, match repayments to project revenues; potential asset refinance for liquidity.

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Vehicle & Van Finance

• Use cases: Vans, pickups, HGVs and specialist construction vehicles.
• Options: Hire purchase, lease, or refinance existing vehicles to release capital.

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Invoice Finance for Construction (CIS & Applications for Payment)

• Context: Long payment terms, staged applications, retentions, and supply chain pressures.
• Products: Factoring, confidential invoice discounting, selective/spot facilities; some funders accept applications for payment and JCT contracts.
• Benefits: Unlock cash tied up in invoices and applications; improve cash flow mid-project.
• Notes: Fees and recourse policies vary; ensure clarity on retentions, certification, and dispute processes.

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Bridging and Development Finance

• Uses: Site acquisition, groundworks, build costs, refurbishments and conversions.
• Features: Interest may be rolled up; exit typically via sale or term refinance.
• Considerations: Valuations, QS reports, planning status, and team experience are commonly assessed.

Speak to a Development Finance Partner

Short-Term Cashflow, VAT & Tax Funding

• Uses: VAT spikes, corporation tax, PAYE, or seasonal gaps while awaiting stage payments.
• Benefit: Smooths cash flow during high-expenditure phases.

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Refinance & Consolidation

• Uses: Restructure multiple commitments into one facility; release equity from owned assets.
• Outcome: Potentially lower monthly outgoings and simplified cash flow management.

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How Fast Business Loans Works (Step-by-Step)

1. Complete a quick enquiry (under 2 minutes)
2. We match you with UK-based brokers/lenders who understand construction
3. Receive a fast call or email to discuss options (no obligation)
4. Compare, decide, and fund if you wish

Your enquiry is not a loan application; it’s information we use to connect you with relevant providers. Start Your Enquiry

Eligibility and Documents Checklist

Lenders typically consider:

• Time trading, turnover trend, and profitability
• Existing commitments and cash flow profile
• Credit history (business and directors)
• Pipeline and contracts (e.g., JCT), retentions, and margin
• Security available (for secured options)

Helpful documents to have ready:

• Last 3–6 months of business bank statements
• Recent management accounts and/or filed accounts
• Key contracts, applications for payment schedules, JCT paperwork
• CIS statements (if applicable)
• Asset list and valuations (for asset finance/refinance)
• Proof of ID and address for directors

Submitting an enquiry here does not affect your credit score. Credit checks, where relevant, may be conducted by a lender/broker only if you choose to proceed.

Costs, Terms and Key Considerations

• Pricing: Rates, fees and terms vary by product, security, lender, credit profile, and market conditions. You’ll receive a personalised illustration before deciding.
• Security: Some facilities may require security and/or personal guarantees.
• Repayments: Fixed or variable; early repayment options vary by provider.
• Risks: Late or missed payments can increase borrowing costs, impact credit, and for secured borrowing may risk the secured assets.
• Transparency: No obligation to proceed. Always read full terms and understand fees, retentions, and certification requirements.

Speak to a Specialist via Our Free Match

Why Use Fast Business Loans

• Save time: We connect you quickly with relevant lenders/brokers who know construction, CIS, applications for payment, and retentions.
• Improve your chances: Sector-aligned partners who understand JCT contracts and staged payments.
• Free to enquire, no obligation: We’re not a lender and we don’t provide financial advice.
• Clear, fair, not misleading: Straightforward information and a hassle-free process.

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Real-World Scenarios We Commonly See

1) Main contractor mobilising a new project
Needing cash for materials and labour before first application is certified. Potential fit: a working capital loan combined with a construction-aware invoice finance facility.

2) Subcontractor waiting on applications and retention
Cash tied up for weeks or months. Potential fit: invoice finance that can work with applications for payment and JCT contracts.

3) Plant hire or equipment upgrade
Needing excavators or access platforms without draining cash. Potential fit: asset finance (hire purchase/lease); asset refinance to release equity.

4) Developer bridging site acquisition to development
Speed required for acquisition, then build-out. Potential fit: bridging finance with an exit into development funding.

Free Eligibility Check

FAQs: Construction Business Finance

Is Fast Business Loans a lender?
No. We introduce UK businesses to suitable finance brokers and lenders. We do not lend money or provide financial advice.

Will my enquiry affect my credit score?
No. Submitting an enquiry here does not affect your credit score. If you proceed with a provider, they may conduct credit checks.

How much can I borrow?
Amounts typically range from £10,000 to £5 million+ depending on product, turnover, security, and status.

Do you support newer construction businesses?
Some partners may consider newer incorporated businesses, subject to status and affordability.

Can invoice finance work with applications for payment and JCT?
Some funders do support applications for payment and JCT contracts; we’ll match you accordingly.

Will I need security or a personal guarantee?
It depends on the product and provider; unsecured options may still require a personal guarantee. Secured facilities require assets.

How fast can funding happen?
Unsecured loans or asset finance can be arranged quickly (often days). Bridging/development and complex facilities take longer due diligence.

What documents will I need?
Bank statements, accounts, ID, plus contracts/CIS statements and asset details where relevant. See the checklist above.

Are there any fees to use your service?
It’s free to enquire and there’s no obligation to proceed.

Get Your Free Eligibility Check

Tell us what you need and we’ll connect you to lenders and brokers who understand construction cash flow, CIS, and JCT. It takes under 2 minutes and there’s no obligation to proceed.

• Get Started
• Get Quote Now
• Free Eligibility Check

We securely share your details only with relevant partners for your request. Expect a rapid call or email.

Responsible Finance and Compliance

We aim to keep information clear, fair and not misleading. We don’t make guarantees; all finance is subject to status, affordability and terms. We are not a lender and do not provide financial advice. Late or missed repayments can have serious consequences for your business and credit profile. Secured lending places your asset(s) at risk. You will receive key information and disclosures from the lender/broker before you decide to proceed.

Fast Business Loans is not a lender and does not provide financial advice. We introduce UK businesses to finance brokers and lenders. All finance is subject to status, terms, and affordability. Late or missed repayments can have serious consequences for your business and credit profile. Secured lending places your asset(s) at risk. Your enquiry with Fast Business Loans does not affect your credit score; lenders/brokers may run credit checks if you choose to proceed.

1) What are construction business loans and how do they work for UK contractors?
They are finance solutions tailored to UK construction cash flow (staged payments, retentions, materials), and Fast Business Loans matches your limited company to specialist lenders/brokers—we’re not a lender or adviser.

2) How much can I borrow for construction finance?
Typically £10,000 to £5 million+ depending on product, turnover, security, and status.

3) How quickly can funding be arranged?
Unsecured loans and asset finance can complete in days, while bridging/development and more complex facilities take longer due diligence.

4) Will submitting an enquiry affect my credit score?
No—your enquiry with Fast Business Loans won’t affect your credit score; checks may occur only if you choose to proceed with a provider.

5) Is the online form a loan application?
No—it’s a quick, no-obligation enquiry used to match you with relevant UK lenders/brokers, not a loan application.

6) What types of construction finance can you connect me with?
Unsecured and secured business loans, plant and machinery finance (hire purchase/lease), vehicle finance, construction invoice finance (including JCT/CIS), bridging/development finance, VAT and tax funding, and refinance.

7) Can invoice finance work with applications for payment, JCT contracts and CIS?
Yes—some funders can advance against applications for payment, JCT contracts and CIS, and we’ll match you accordingly.

8) What documents do I need to get started?
Typically 3–6 months of bank statements, recent accounts, ID, relevant contracts/JCT paperwork, CIS statements, and asset details where applicable.

9) Will I need security or a personal guarantee?
It depends on the product: secured facilities require assets, and unsecured options often still require a director’s personal guarantee.

10) What will it cost and are there any fees to use Fast Business Loans?
Our service is free to enquire with no obligation, while rates and fees are set by the lender and vary by product, security, credit profile and market conditions (you’ll receive a personalised illustration before deciding).