Building Services Business Loans: Compare Funding Options Fast
Summary: Fast Business Loans helps UK building services companies find suitable finance quickly. We are an introducer — not a lender or adviser — and our free, no‑obligation enquiry (takes under 2 minutes) lets us match your business to lenders and brokers that specialise in contractor cashflow, plant and vehicle finance, invoice and contract funding, and retrofit projects. Enquiries do not affect your credit score. Start Your 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.
Why building services firms look for finance
Project mobilisation & cashflow gaps
Large projects often require paying suppliers and subcontractors long before you receive milestone payments. Funding bridges ensure you can mobilise quickly and keep projects on schedule.
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.
Plant, tools and fleet upgrades
Modern M&E, plant and vehicle fleets improve efficiency. Asset and vehicle finance lets you spread the cost while you benefit from the equipment immediately.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Compliance, sustainability & retrofit demand
Decarbonisation, retrofit and compliance upgrades are creating new revenue — but require capital. Specialist green finance and sustainability loans can make these investments viable.
Growth, bids and framework contracts
Winning larger contracts or entering frameworks may need working capital for deposits, bonds or increased staffing — a common reason to seek funding.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Finance options we can introduce
Our panel covers a wide range of lenders and brokers for sums from around £10,000 up to several million, depending on security and business profile. Below is a quick comparison to help you choose the right route.
| Finance Type | Typical purpose in building services | Potential loan amounts | Typical term |
|---|---|---|---|
| Unsecured Business Loans | Short-term working capital; small plant purchases | £10k–£250k | 1–5 years |
| Secured Loans / Refinance | Lower rates for larger amounts; property or debenture security | £50k–£5m+ | 2–25 years |
| Invoice Finance | Unlock cash tied up in unpaid invoices (including CIS work) | From £10k (facility size varies) | Revolving facility |
| Asset / Equipment Finance | Plant, tools, M&E equipment | £10k–£1m+ | 1–7 years |
| Vehicle / Fleet Finance | Vans, trucks, service fleets | £10k–£1m+ | 2–6 years |
| Contract / Construction Finance | Progress payments, retentions, mobilisation | £50k–£5m+ | Short-term to match contract length |
| Merchant Cash Advance | Quick access to cash against future card takings | £10k–£500k | Repayment tied to receipts |
Who we can help in building services
Fast Business Loans connects a broad range of building services businesses with lenders and brokers who understand the sector:
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Mechanical & electrical contractors (M&E)
- HVAC, plumbing and electrical firms
- Facilities management and FM contractors
- Refurbishment and retrofit specialists
- Specialist sub-contractors serving construction clients
- Consultancies and project managers requiring cashflow support
“Fast, relevant introductions — helped us secure working capital to start a major contract.” — Client name withheld for confidentiality.
Fast Business Loans process
Here’s how our introducer service works for building services firms:
1. Quick enquiry
Complete a short online form in under 2 minutes. This is not an application — it’s information to match you to suitable lenders.
2. Soft search & match
We perform a soft, non‑credit-impact check to identify appropriate 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.
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.
3. Rapid contact
Selected partners will contact you to discuss options. You decide whether to proceed — there is no obligation.
4. Compare and choose
Review proposals and terms from lenders or brokers and progress the best fit. Lenders may perform formal credit checks if you proceed to application.
We handle your details securely and operate in line with GDPR. Start Your Free Eligibility Check.
Eligibility & what lenders consider
Business fundamentals
Lenders look at trading history, legal structure and turnover. Limited companies with demonstrable trading figures are typically preferred for larger facilities.
Financial health
Recent management accounts, cashflow projections and VAT returns help lenders assess affordability.
Project pipeline & contracts
Order books, framework agreements and repeat client relationships strengthen applications.
Security & collateral
Some facilities may require property charges, debentures or assets as security; asset finance commonly uses the equipment itself as security.
Credit history
Past issues do not automatically rule you out — many lenders have experience with turnaround or previously challenged businesses, but terms may vary.
Documents lenders may request: management accounts, CIS returns, debtor ledger, copies of major contracts and bank statements.
Costs, fees & responsible borrowing
Fast Business Loans does not charge businesses for introductions. Lenders and brokers set their own rates and fees.
- Interest rates vary by product, risk and security — always compare APRs and total cost.
- Arrangement or facility fees may apply; check early repayment and administration charges.
- Asset finance can include residuals or balloon payments — read the agreement.
Compare offers carefully, ensure repayments are affordable from forecast cashflows, and consider independent advice if unsure. Request your free lender introductions now.
Real‑world example (anonymised)
The challenge
A Midlands M&E contractor was awarded a large fit-out but lacked cash to cover materials and subcontractor invoices while awaiting staged payments.
Solution introduced
We connected the contractor to a broker who arranged a £250k invoice finance facility and a £70k asset finance line for new plant.
Outcome
Cashflow stabilised, the contractor met payroll and supplier terms, and won a further £400k in work thanks to improved mobilisation capability.
See how quickly we can introduce relevant lenders – Start your enquiry
Why choose Fast Business Loans for building services finance
- Sector understanding — we know building services funding needs.
- Large lender panel — access to brokers and lenders you might not find alone.
- Fast responses — expect contact quickly after enquiry.
- No obligation and free to use — only proceed if you’re comfortable.
- Secure handling of data and clear communication about next steps.
Talk to building services finance specialists
Learn more about our wider industry support on our building services business loans page.
How to strengthen your application
Keep management information up to date
Recent, accurate management accounts and bank statements speed underwriting.
Demonstrate pipeline
Provide copies of major contracts, POs or framework agreements.
Highlight repeat clients & margins
Showing stable client relationships and healthy margins reassures lenders.
Quick checklist
- Latest management accounts (or 12 months trading figures)
- Debtor ledger and aged invoices
- Copies of key contracts or purchase orders
- Evidence of fleet or equipment values (if seeking asset finance)
Frequently Asked Questions
What loan amounts can building services firms access through your network?
Our partners consider facilities from around £10,000 up to several million, depending on product type, security and business profile.
How fast could funding be arranged after enquiry?
After you submit the enquiry, lenders or brokers typically contact you within hours during business hours. Funding timelines depend on the product — some invoice or asset finance can complete in days; secured facilities may take longer.
Can I apply if I’ve had a CCJ or late payment history?
Previous credit issues do not automatically exclude you. Our panel includes lenders experienced with businesses that have had credit challenges, although approval is never guaranteed.
Is there any obligation after being introduced to lenders?
No. An introduction carries no obligation to proceed — you can review proposals and decide whether to apply.
Will my enquiry affect our business or director credit scores?
Submitting our initial enquiry does not affect your credit score. Lenders may carry out formal credit checks later if you choose to proceed.
Do you help with green retrofit or decarbonisation finance?
Yes. We can introduce brokers and lenders offering finance for retrofit, energy efficiency and low‑carbon upgrades.
What information should I prepare before completing the enquiry form?
Have your company details, funding amount, preferred finance type, recent trading figures and key contact details ready. Lenders may request more documents during underwriting.
Compliance reminder & next steps
Fast Business Loans is an introducer that connects UK building services businesses with selected lenders and brokers. We do not lend money or provide financial advice, and we cannot guarantee approval. Always review lender terms carefully and consider independent advice if needed.
Get Your Tailored Funding Options
Completing our enquiry form will not impact your credit score. Lenders may conduct their own checks if you proceed. Fast Business Loans introduces businesses to selected partners; we do not charge business owners for introductions.
1) What is Fast Business Loans and how does it help with building services business loans in the UK?
We’re a free introducer that matches building services contractors with trusted UK lenders and brokers for cash flow, asset, invoice, vehicle and contract finance.
2) What types of building services finance can you introduce?
We can introduce unsecured and secured loans/refinance, invoice finance (including CIS), asset/equipment finance, vehicle/fleet finance, contract/construction finance and merchant cash advances.
3) How much can I borrow and what are typical terms?
Facilities typically range from about £10,000 to several million over 1–25 years depending on product, security and your business profile.
4) How quickly can funding be arranged after I submit an enquiry?
You’ll usually hear from matched partners within hours and many invoice or asset finance deals can complete in days, while larger secured facilities take longer.
5) Is the enquiry a loan application and will it affect my credit score?
No—our quick enquiry is not an application and involves a soft search with no credit impact, with formal checks only if you decide to proceed.
6) Can you help with invoice or contract finance for construction/CIS work, applications for payment and retentions?
Yes—specialist lenders on our panel fund against approved invoices, applications and sometimes retentions (subject to lender criteria).
7) Do you support plant, tools and vehicle finance for M&E, HVAC and service fleets?
Yes—we introduce asset and vehicle finance for plant, tools, M&E equipment, vans, trucks and service fleets.
8) Can you introduce green finance for retrofit, energy efficiency and decarbonisation projects?
Yes—we connect you with lenders offering sustainability and retrofit finance for low‑carbon and energy‑efficient upgrades.
9) Can start-ups or firms with CCJs or poor credit still be considered?
Many partners will consider start-ups and businesses with previous credit issues, though approval and pricing depend on affordability and risk.
10) What documents will lenders usually ask for and are there any fees to use your service?
Prepare management accounts, bank statements, VAT/CIS returns, debtor ledgers and key contracts; we charge no fees for introductions, while lenders/brokers set their own rates and fees.