Construction Business Loans: Fast, Flexible Finance for UK Contractors and Builders

Unlock cash flow for materials, labour, equipment and growth — without the legwork. Fast Business Loans connects UK construction businesses with trusted lenders and brokers for tailored finance options from £10,000+. Enquiries are free, no-obligation and won’t affect your credit score.

• Free eligibility check
• No obligation to proceed
• Enquiries won’t affect your credit score
• Sector-savvy partners (main contractors, subcontractors, housebuilders, civils, fit-out, M&E)

Get Quote Now |
Free Eligibility Check

We’re not a lender and we don’t offer financial advice. We introduce UK businesses to third-party brokers and lenders who may provide finance directly.

Quick summary: Construction business loans are sector-specific funding solutions designed to bridge cash flow gaps from materials, labour, plant, retentions and stage payments. Through a simple 3-step enquiry, Fast Business Loans matches limited companies and LLPs with UK brokers/lenders offering options such as working capital loans, invoice finance (incl. applications for payment), asset/vehicle finance, materials finance, VAT/tax funding, bridging and development finance. Minimum funding starts from £10,000. Enquiring here won’t impact your credit score; any credit checks are done by a chosen provider only if you proceed.

What Are Construction Business Loans?

Construction business loans are finance solutions tailored to the sector’s cash flow cycle — covering upfront materials, mobilisation, labour, plant and machinery, retentions, stage payments and seasonal gaps. They can be unsecured or secured, short- or long-term, and include options like invoice finance for applications for payment, asset finance, materials finance, bridging and development finance.

We match your business with partners who understand CIS, JCT contracts, applications for payment and the realities of retentions and late client payments — so you get options aligned to how construction actually operates.

Want a deeper dive? Explore our guide to construction business loans for sector-specific insights.

Get Started (2-minute enquiry — no credit impact)

How Fast Business Loans Works (3 Steps)

Step 1: Complete a Quick Enquiry Form

Tell us the basics — your company details, funding amount/purpose, and contact info. It takes under 2 minutes.

Step 2: We Match You With Trusted Partners

We introduce you to suitable UK finance brokers/lenders with construction experience and product-fit for your needs.

Step 3: Compare Offers and Decide

Partners respond quickly by phone/email to discuss options. You choose whether to proceed — no obligation.

• Free to use
• Transparent process
• Your details handled securely

Start Your Enquiry

Types of Construction Finance We Can Connect You With

The right option depends on project stage, security available, trading history and cash flow needs. The partners we introduce can tailor terms to your circumstances.

Working Capital Loans (secured or unsecured)

• Best for: Short-term cash flow, mobilisation costs, payroll before stage payments.
• Typical features: 3–24 months; unsecured may require a personal guarantee; fast decisions; from £10,000+.

Invoice Finance for Construction (including applications for payment)

• Best for: Main contractors and subcontractors with slow-paying clients or retentions.
• Typical features: Release a percentage of invoice/application value; works with CIS/JCT; improves liquidity.

Asset Finance (Plant & Machinery)

• Best for: Excavators, loaders, access equipment, tools and site tech.
• Typical features: Hire purchase, finance lease; spreads cost over asset life; may preserve cash and credit lines.

Vehicle & Fleet Finance

• Best for: Vans, HGVs, pickups, and site vehicles.
• Typical features: HP, lease, contract hire; predictable costs; potential maintenance options.

Materials Finance

• Best for: Large upfront material purchases or long supplier terms.
• Typical features: Short-term revolving lines; funding against verified orders or project schedules.

VAT & Tax Funding

• Best for: Managing quarterly VAT or HMRC liabilities without straining cash flow.
• Typical features: Short-term loans matched to liability timelines.

Bridging Loans (Commercial/Property)

• Best for: Short-term property purchase, refinance, finish/refurbish schemes.
• Typical features: Secured on property; interest often rolled up; exit via sale or refinance.

Property Development Finance

• Best for: Ground-up developments, conversions and heavy refurbishments.
• Typical features: Senior/junior tranches, stretch senior, mezzanine; stage drawdowns; requires appraisals and experience evidence.

Contract/Trade Finance

• Best for: Funding specific contracts or supply chain orders.
• Typical features: Purchase order finance, letters of credit; aligns with contract milestones.

Retention Release Solutions

• Best for: Accessing part of retention sums earlier to ease cash flow.
• Typical features: Specialist providers; case-by-case underwriting.

Not sure which option fits? Get a Free Eligibility Check

Common Funding Uses in Construction

• Mobilisation costs (site setup, welfare, prelims)
• Materials and supplier payments
• Weekly payroll and subcontractor payments
• Plant and equipment purchase or lease
• Fuel, transport and logistics
• Retention gaps and late client payments
• Tendering and expansion into new regions or frameworks
• Health, safety and environmental upgrades (including sustainability initiatives)

Get Quote Now

Real-world example (anonymised)

A regional fit-out company (Ltd) secured £150k of invoice finance within 8 working days after a quick eligibility check and introduction. The facility released cash against applications for payment, smoothing payroll and materials outlay while waiting on stage payments. Result: fewer supplier delays, stronger cash flow and capacity to take on an additional project.

Who Can Apply? Eligibility and Documents

Who we commonly support (subject to partner criteria):

• UK limited companies and LLPs in construction and building services
• Incorporated start-ups and early-stage contractors (some products available)
• Established SMEs and mid-market firms

Typical factors lenders/brokers consider:

• Time trading and leadership track record
• Turnover, profitability and cash flow profile
• Credit history (business and directors) — options may exist for adverse credit
• Security: assets, property, debentures, personal guarantees
• Contract pipeline, client concentration, and payment terms

Useful documents to prepare:

• Last 3–12 months business bank statements
• Latest management accounts and filed accounts
• Aged debtor/creditor lists; CIS statements where relevant
• Current contracts, applications for payment schedules, retentions
• For development finance: appraisal, schedule of works, planning, QS reports, exit plan

Minimum funding typically starts at £10,000. If you’re unsure what to assemble, you can still start your enquiry and a partner will guide you.

Start Your Enquiry

Costs, Rates and Risk Considerations

• Rates and fees vary by product type, security, risk profile and market conditions.
• We do not set rates. Any offers will come directly from the lender/broker you choose.
• Your enquiry with Fast Business Loans will not affect your credit score. A chosen provider may run checks if you proceed.
• Some facilities require security or personal guarantees; defaulting may put assets at risk.
• Early repayment options vary — confirm any fees or interest recalculations with the provider.
• Always review the total cost of finance (interest, fees, charges) and the agreement terms.

Free Eligibility Check

How Fast Can Funds Arrive?

Indicative timelines (subject to your circumstances and provider processes):

• Unsecured working capital: 24–72 hours from complete application
• Invoice finance setup: 3–10 working days; drawdowns typically same day thereafter
• Asset/vehicle finance: 3–10 working days (faster with ready documentation)
• Bridging loans: 1–3 weeks (valuation and legals required)
• Development finance: 2–6+ weeks (due diligence, QS reporting, legals)

Get Quote Now

Why Choose Fast Business Loans

• Fast and simple matching to sector-relevant partners
• Trusted connections: verified UK brokers/lenders who treat customers fairly
• No obligation and free to use
• Transparent and secure — we share your details only with relevant partners for your request
• Sector expertise across general building, civils, fit-out, M&E and specialist trades

Start Your Enquiry

FAQs: Construction Business Loans

Are you a lender?
No. We are an introducer. We connect UK businesses with trusted brokers and lenders.

Will my enquiry affect my credit score?
No. Enquiries via our site won’t affect your score. Providers may run credit checks only if you choose to proceed.

What loan sizes are available?
Our partners typically help from around £10,000 to £5,000,000+, depending on product and eligibility.

Can start-ups or subcontractors apply?
Yes — where the business is an incorporated limited company or LLP. Product fit and terms depend on the case.

What if I’ve had a credit issue?
Options may still exist. A broad panel increases the chance of finding a provider open to your scenario.

Do you charge a fee?
Our service is free for business owners/directors. We may receive a commission from a partner if you proceed with a product.

How quickly will I hear back?
Often within hours during business hours. For urgent needs, mention this in your enquiry.

What documents will I need?
Typically bank statements, accounts, debtor/creditor lists, and contract details. Development finance requires appraisals and additional due diligence.

Are your partners regulated?
Where applicable, lenders are regulated. Many introductions are via brokers who follow relevant UK rules and treat customers fairly.

Free Eligibility Check

Ready to explore your construction finance options?

1. Click Start Your Enquiry
2. Answer a few simple questions (under 2 minutes)
3. Get matched with trusted brokers/lenders
4. Receive quick, no-obligation quotes

Start Your Enquiry |
Get Quote Now

Compliance and transparency

Disclosure: Fast Business Loans is not a lender and does not offer financial advice. We act as an introducer, connecting UK businesses with third-party finance brokers and lenders. Submitting an enquiry will not affect your credit score; if you choose to continue with a finance provider, they may conduct credit checks. Eligibility, rates and terms are set by the provider and depend on your circumstances. Our service is free for business owners; we may receive a commission from partners if you proceed with a product. Always consider the total cost of finance and seek independent advice if needed.

Data privacy: Your details are handled securely and shared only with relevant partners for your request.

Reviewed by Alex Turner, Commercial Finance Specialist (UK). Last updated: 28 October 2025.

– What are construction business loans?
Construction business loans are sector-specific funding solutions that bridge cash flow for materials, labour, plant, retentions and stage payments, including options like invoice finance for applications for payment, asset/vehicle finance, materials finance, VAT/tax funding, bridging and development finance.

– Are you a lender and is my enquiry an application?
No—Fast Business Loans is an introducer, and the short enquiry is not a credit application; it’s used to match your business with suitable UK brokers/lenders.

– Will submitting an enquiry affect my credit score?
No, enquiring via our site won’t affect your credit score, and checks only occur with a chosen provider if you decide to proceed.

– What types of construction finance can you connect me with?
We can introduce you to working capital loans, invoice finance (including applications for payment), asset and vehicle finance, materials finance, VAT/tax funding, bridging loans, development finance, trade/contract finance and retention release solutions.

– Who can apply, including start-ups or subcontractors?
UK limited companies and LLPs across main contractors, subcontractors, housebuilders, civils, fit-out and M&E can apply, with some options for incorporated start-ups and cases with adverse credit.

– How much can I borrow?
Typical funding starts from £10,000 and can reach £5,000,000+ depending on the product, security and your eligibility.

– How fast can funds arrive?
Indicatively, unsecured working capital can fund in 24–72 hours, invoice finance in 3–10 working days, asset/vehicle finance in 3–10 days, bridging in 1–3 weeks and development finance in 2–6+ weeks.

– What documents will I need?
Commonly requested items include recent business bank statements, management/filed accounts, aged debtor/creditor lists, contract or application-for-payment schedules, and for development finance an appraisal, QS reports and exit plan.

– What will it cost and will I need security or a personal guarantee?
Rates and fees are set by the provider and vary by product and risk, and some facilities require security or a personal guarantee—so always review the total cost and terms before proceeding.

– Do you charge a fee or give financial advice?
Our service is free for business owners, we don’t offer financial advice, and we may receive a commission from a partner if you proceed with a product.