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.
Building Services Business Loans: Secure Funding Fast
Summary: Fast Business Loans helps UK building services firms (M&E contractors, HVAC, plumbing, fire safety, retrofit and facilities specialists) find suitable finance — from working capital and invoice finance to asset, contract and sustainability funding. We don’t lend and we don’t give regulated financial advice; we introduce you to lenders and brokers who can. Completing our enquiry is quick, non-binding and not an application: it helps us match you to the right provider. Get your Free Eligibility Check now: Get Quote Now.
Get funding for plant, payroll, retentions and retrofit — without the paperwork pain
Building services companies often need quick access to working capital, finance for equipment, or tailored contract finance to mobilise new projects. Fast Business Loans connects you with specialist brokers and lenders who understand sector cashflow cycles and contract terms. Our enquiry form is short — it is not a loan application; it simply helps us match you to the best providers. Start a Free Eligibility Check: Get Quote Now.
Fast Business Loans is an introducer, not a lender or financial adviser. Submitting an enquiry does not affect your credit score. All lending decisions rest with the lender and are subject to status and credit assessment.
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.
Funding pressures facing UK building services firms
Building services businesses face specific finance challenges:
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Long payment terms and late supplier payments create cashflow gaps.
- Retentions and staged payments on contracts hold working capital back.
- Seasonal workload swings and labour shortages increase payroll pressure.
- High-cost plant, vehicles and specialist tools need targeted finance.
- Sustainability and compliance upgrades (e.g., heat pumps, fire safety) require specialist funding.
Need finance to smooth cash flow or bid for a large contract? Get a Free Eligibility Check and we’ll match you with lenders who specialise in construction and building services finance.
How Fast Business Loans supports building services businesses
We make the connection between your business and lenders/brokers that can actually help. Here’s how it works:
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Quick enquiry: a short form captures essential details (under 2 minutes).
- Sector matching: we match you to partners who specialise in building services finance.
- Introductions: matched lenders/brokers contact you to discuss options and timescales.
- Compare & decide: you review offers and choose whether to proceed — no obligation.
There is no charge to use our service. Enquiries at this stage do not trigger credit searches. Start your Free Eligibility Check.
Finance options for building services companies
Different projects and problems need different solutions. Below is a quick comparison followed by short explanations.
| Finance Type | Typical Uses | Typical Amounts | Speed to Funding |
|---|---|---|---|
| Unsecured Business Loans | Working capital, short-term cashflow | £10,000 – £250,000+ | Days–2 weeks |
| Asset & Equipment Finance | Plant, vehicles, tools, HVAC equipment | £10,000 – £1m+ | Days–weeks |
| Invoice Finance / Factoring | Unlock cash tied up in invoices and retentions | £25,000 – £5m+ | Days |
| Contract / Mobilisation Finance | Funding to start large contracts and cover mobilisation costs | £50,000 – £multi‑million | Weeks |
| Bridging & Development Finance | Short-term gap loans for projects or property-related work | £50,000 – £multi‑million | Days–weeks |
| Green & Retrofit Funding | Heat pumps, solar, insulation, energy efficiency upgrades | £10,000 – £500,000+ | Weeks |
Working capital & unsecured business loans
Good for topping up cash for payroll, materials or bridging retentions. Requires company trading history and demonstrates ability to repay. Quick to arrange but typically smaller amounts and higher rates than secured options.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Asset & equipment finance
Purchase new or used plant, vans, specialist tools or HVAC kit. Asset-secured deals often offer lower rates and flexible terms (hire-purchase, lease). Lenders will assess asset lifespan and residual values.
Invoice finance & construction factoring
Release cash from outstanding invoices and retentions. Ideal when customers pay on 30–120 day terms. Eligibility depends on debtor quality and contract terms; costs vary with advance rates and fees.
Contract finance & mobilisation loans
Designed for mobilisation costs on medium/large contracts. Lenders look closely at contract terms, client creditworthiness and project cashflow schedules. Often structured against contract receivables.
Bridging loans & development finance
Short-term loans to bridge funding gaps on property-related projects or phased developments. Higher rates and set exit strategy required (e.g., refinance or sale).
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.
Green / retrofit & sustainability funding
Specialist lenders and programmes support energy-efficiency upgrades and renewable installations. Highlight technical specs, cost savings and any grant or incentive support during enquiry to secure tailored terms.
Eligibility snapshot for building services funding
Typical criteria lenders look for:
- Limited company trading history (many funders prefer at least 12 months, some specialist lenders support newer businesses).
- Annual turnover and evidence of contract pipeline.
- Quality of debtors and contract counterparties for invoice/contract finance.
- Available security: equipment, vehicles, property or director guarantees.
- Management accounts, recent bank statements and, where applicable, recent accounts.
Not sure if you qualify? Request a free eligibility check — it’s quick and non-binding.
Information you’ll need to share
To get useful, accurate matches we typically ask for:
- Company name, registration number and contact details.
- Amount required and intended use of funds.
- Recent management accounts or latest filed accounts.
- Bank statements for the last 3 months.
- Details of key contracts, customer payment terms, and any retentions.
- List of assets (age, value) if seeking asset finance.
We handle your data securely and only share it with lenders/brokers that can help. Submitting the enquiry is not a credit application and will not affect your credit file.
Funding use cases across building services
- Buying new fleet vans for a service expansion using vehicle finance.
- Unblocking cashflow while waiting on long customer payment terms via invoice finance.
- Financing mobilisation for a large retrofit contract with contract finance.
- Purchasing specialist HVAC plant through asset finance.
- Refinancing existing higher-cost debt to improve monthly cashflow.
Fast Business Loans matching process — step by step
- Complete the quick enquiry — under 2 minutes and not an application: Get Started — Free Eligibility Check.
- We match you — your details are matched to lenders and brokers with building services expertise.
- Rapid contact — expect a call or email to clarify details and outline viable options.
- Compare & decide — review proposals and decide whether to proceed; there’s no obligation to accept any offer.
Ready to start? Get Quote Now.
Tips to strengthen your finance application
- Keep management accounts and bank statements up to date — clear accounts speed decisions.
- Highlight long-term contracts and strong clients — lenders like proven pipelines.
- Document retention and payment schedules clearly.
- Present realistic project costings and quotes for equipment purchases.
- Show sustainability credentials for retrofit projects — specialist green lenders value these.
Frequently asked questions
What counts as a building services business for funding purposes?
Building services includes M&E contractors, HVAC, plumbing, fire safety, smart building specialists, facilities management and retrofit companies. We match these businesses with lenders who understand sector-specific cashflow and contract structures.
Can I apply if my customers pay on 60–90 day terms?
Yes. Invoice finance, contract finance and revolving facilities are commonly used to bridge long payment terms. Our enquiry doesn’t affect your credit score; lenders will explain options once matched.
How quickly can funding land?
Timescales vary by product. Unsecured loans or invoice advances can be arranged in days; asset or contract finance may take weeks for due diligence. After you submit the form, matched partners will give realistic timescales.
Do I need property to secure a loan?
Not always. Options include unsecured loans, invoice finance or asset-backed lending using equipment or vehicles. The best structure depends on your business profile and security available.
Will submitting an enquiry affect my credit score?
No. Completing the Fast Business Loans enquiry form does not perform a credit search. A formal credit check would only occur later if you agree to proceed with a lender and provide consent.
If you have another question, we’re happy to help — or complete a Free Eligibility Check now: Get Quote Now.
Get your building services finance quote today
Fast Business Loans makes it simple to explore finance options from firms who understand building services. Our introductions are free and there’s no obligation to proceed. Complete our short enquiry to receive tailored matches and rapid contact from specialist brokers and lenders.
Get Quote Now — Free Eligibility Check
Fast Business Loans is an introducer, not a lender or financial adviser. All lending decisions are taken by the lender and are subject to status and credit assessment. Enquiries are for matching purposes only and are not loan applications.
For more sector-specific guidance on construction and building services funding, see our pillar resource on building services business loans.
1) What types of finance can building services companies access?
Building services firms can access unsecured working capital loans, asset and equipment finance, invoice finance/factoring (including retentions), contract/mobilisation finance, bridging/development loans, and green/retrofit funding.
2) How fast can I get funding?
Unsecured loans and invoice advances can complete in days, while asset, contract, and retrofit deals typically take weeks for due diligence after your quick enquiry.
3) Will submitting an enquiry affect my credit score?
No—our enquiry is not a loan application and does not trigger a credit search; checks only occur later if you proceed with a lender and give consent.
4) Are you a lender and do you charge fees?
Fast Business Loans is an introducer, not a lender, and our eligibility check and introductions are free with no obligation to proceed.
5) How much can I borrow for a building services loan?
Amounts typically range from around £10,000 to multi‑million facilities depending on product type, security, trading profile, and lender assessment.
6) Do I need property or assets as security?
Not always—options include unsecured loans, invoice finance against receivables and retentions, or asset-backed facilities using equipment or vehicles.
7) Can you help with long payment terms and retentions?
Yes—invoice finance, construction factoring, and contract finance can release cash tied up in 30–120 day terms and retentions.
8) What are the eligibility criteria?
Lenders usually look for UK limited company status, trading history (often 12+ months), turnover and contract pipeline, debtor quality, available security, and up-to-date financials.
9) What documents will I need to share?
Typically you’ll need basic business details, the amount and use of funds, recent management accounts, the last 3 months’ bank statements, key contract/payment terms (including retentions), and an asset list if relevant.
10) Do you support my type of building services business?
Yes—we match M&E contractors, HVAC, plumbing, fire safety, facilities management, smart building and retrofit firms with specialist UK lenders and brokers.