Construction Business Loans (UK): Fast, Flexible Finance for Contractors and Trades

Connect with trusted UK lenders and brokers who understand construction. Get funding for materials, plant, labour, and cash flow—fast.

• No obligation and free to use
• Enquiry won’t affect your credit score
• Matched to sector-experienced lenders/brokers

Get Your Free Eligibility Check — Takes under 2 minutes. No obligation. UK businesses only.

Summary

Looking for construction finance in the UK? Fast Business Loans is a free, no-obligation matching service for UK limited companies and LLPs seeking £10,000+ for materials, plant and machinery, labour, vehicles, invoice financing (including applications for payment), bridging/development and day‑to‑day cash flow. We’re not a lender or adviser; we simply connect you with lenders and brokers who understand the construction sector so you can compare options fast and decide with confidence.

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What Are Construction Business Loans?

Construction business loans are funding solutions tailored for UK contractors, subcontractors and trades operating on staged, certified or contractual payment cycles. They can bridge cash flow gaps between mobilising a project and receiving payment, fund materials and plant, cover payroll and subcontractors, and support growth across multiple concurrent jobs.

Common options include unsecured and secured loans, equipment and plant finance, construction invoice finance (including applications for payment and certified stage bills), vehicle and fleet finance, and bridging/development funding.

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Common Funding Uses for UK Construction Firms

Working Capital and Cash Flow

• Cover payroll, subcontractors and supplier deposits
• Smooth seasonal or project-stage cash gaps
• Manage retentions and variations

Materials and Plant

• Purchase or hire excavators, telehandlers, scaffolding and tools
• Invest in safety equipment and site technology
• Refinance existing assets to release capital

Project Mobilisation and Growth

• Win and mobilise new contracts
• Set up sites, fit-out phases, and fund up-front costs
• Run multiple jobs without choking cash flow

Late/Stage Payments Support

• Bridge the gap on applications for payment and certified stages
• Reduce the impact of 30–90+ day terms and retentions
• Fund materials and labour while awaiting certification

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Types of Construction Finance We Can Help You Compare

We’re not a lender and we don’t provide advice. We introduce UK businesses to brokers and lenders who may offer the products below. Availability, terms and costs depend on your circumstances and lender assessment.

Unsecured Business Loans

Short–medium term working capital for £10,000+; typically repaid monthly. Often requires a personal guarantee from directors. Useful for cash flow smoothing, smaller purchases, or bridging costs between certified stages.

Secured Loans

Loans secured against business or personal assets. May support larger amounts and potentially lower pricing depending on risk and security. Suitable for expansion, equipment, and contract mobilisation.

Asset & Equipment Finance (Plant and Machinery)

Hire purchase, finance lease and refinance to fund excavators, telehandlers, access equipment, scaffolding, site cabins, IT and more. Explore equipment and plant finance options tailored to job requirements.

Invoice Finance for Construction

Specialist facilities that can handle applications for payment, certified stage payments and contractual billing. Helps unlock cash tied up in ongoing projects and reduces the impact of long payment cycles. Learn more about construction invoice finance.

Vehicle and Fleet Finance

Loans, HP or leases for vans, pickups and trucks to keep your team moving. See vehicle finance for fleets.

Bridging and Development Finance

Short-term property and project funding; security is typically required. Useful for site acquisition, build costs, and bridging time to refinance or sale. Explore development finance options.

Sector spotlight: for a broader overview of sector-specific funding, see our page on construction business loans.

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Who We Help in the Construction Supply Chain

• Main contractors and subcontractors
• Specialist trades: electrical, M&E, plumbing, joinery, roofing, cladding
• Civil engineering and groundworks firms
• Fit-out and refurbishment contractors
• Plant hire companies and builders’ merchants (tailored solutions may apply)
• UK limited companies and LLPs, including newer firms with viable pipelines (subject to status)

Get Matched to Sector‑Specialist Lenders

Eligibility, Requirements, and What Lenders May Look For

Every lender has its own criteria. You’ll discuss specific needs, terms and documentation directly with any broker or lender you’re introduced to.

Typical Eligibility Factors

• UK‑registered limited company or LLP
• Time trading (varies), turnover and profit trends
• Credit profile, including CCJs and existing borrowing
• Security available (for secured products) and willingness to provide a personal guarantee
• CIS status, key contracts and pipeline quality

Documents Often Requested

• 3–6 months’ business bank statements
• Filed accounts and/or recent management accounts
• Aged debtor/creditor lists; key contracts or applications/certifications (for construction invoice finance)
• Asset schedule and valuations (for asset finance)
• Director ID and standard KYC

Upload Details Once—We’ll Do the Matching

Costs, Terms, and Repayments: What to Expect

Pricing varies by product, lender, term, security and risk profile. We won’t quote rates here; your matched partner will disclose full costs and terms before you proceed.

Factors That Influence Pricing

• Loan type (secured vs unsecured) and term length
• Business and director credit profiles
• Security quality and loan-to-value (where applicable)
• Sector and project risk

Repayment Structures

• Fixed monthly repayments (loans)
• Seasonal or flexible schedules (by product)
• Balloon/option to purchase (HP for plant/vehicles)
• Payment on assignment (invoice finance drawdowns)

Fees and Other Considerations

• Arrangement and, where applicable, brokerage fees
• Valuation or legal fees for secured lending
• Early settlement options and any default charges
• All fees are disclosed by the lender/broker before you commit

See Your Options and Indicative Terms

How Our Free Matching Service Works

1. Complete a Quick Enquiry Form (under 2 minutes)
2. We Match You With Trusted UK Partners (construction‑specialist lenders/brokers)
3. Receive a Rapid Response (phone or email)
4. Compare, Decide, and Fund (no obligation to proceed)

Good to know: Your enquiry will not affect your credit score. Partners may run credit checks only if you choose to proceed.

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Why Use Fast Business Loans for Construction Finance?

Sector Expertise and Speed

Get connected to partners who understand applications for payment, retentions and staged works—so conversations start at a higher level.

Save Time and Improve Approval Odds

We target the most relevant lenders and brokers for your profile and requirement—no more blind shopping or wasted calls.

Transparent, Free, and Secure

We’re not a lender and we don’t give financial advice. Our service is free to use and there’s no pressure to proceed. Partners follow fair, clear and not misleading principles.

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Tips to Improve Your Chances of Approval

• Keep bank statements clean of avoidable returned items; provide explanations for any anomalies
• Prepare a simple cash flow forecast for the next 6–12 months
• Organise applications for payment, certifications, CIS status, and debtor/creditor lists
• Consider acceptable security or a personal guarantee for better terms
• Be ready to discuss pipeline, margins and retention exposure

Share Your Details Once—We’ll Do the Rest

Risks and Responsible Borrowing

• Borrowing may be secured on assets; your assets could be at risk if you don’t keep up repayments.
• Missing payments may impact your credit rating and your ability to obtain future credit.
• Always review full terms and fees from the lender and consider independent advice if unsure.

FAQs: Construction Business Loans

Can you help if my invoices are based on applications for payment?

Yes. Some partners specialise in construction invoice finance that handles applications for payment, certified stage bills and contractual billing.

Will my enquiry affect my credit score?

No. Submitting an enquiry on our site won’t affect your credit score. If you decide to proceed with a broker or lender, they may conduct credit checks.

Do you work with start-ups or newer construction firms?

Many partners consider newer UK limited companies and LLPs, subject to assessment. Security and a realistic project pipeline can help.

What loan amounts are available?

Our partners support a broad range from £10,000 upwards, depending on product, security and your business profile. You’ll receive tailored options.

How quickly could I get funding?

Responses often arrive within hours. Funding speed depends on product type, documentation availability and lender processes.

Are you a lender or financial adviser?

We’re not a lender and we don’t provide financial advice. We act as an introducer, connecting UK businesses with trusted brokers and lenders.

What fees should I expect?

Any fees are disclosed by the lender or broker before you proceed. There’s no obligation to accept any offer.

Ready to Explore Your Options?

• Free eligibility check
• No obligation to proceed
• Matched to trusted UK partners that understand construction

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Free enquiry. No obligation. UK businesses only. Partners may run credit checks if you proceed.

Compliance and transparency
Fast Business Loans is an introducer, not a lender, and does not offer financial advice. We connect UK businesses with brokers and lenders. Eligibility, terms and funding are subject to status and lender assessment. Your enquiry on our site will not affect your credit score; if you proceed, partners may carry out credit checks. Where finance is secured, your assets may be at risk if you do not keep up repayments. We aim for communications that are fair, clear and not misleading and work only with partners who follow good practice. See the FCA’s guidance on financial promotions here.

– What are construction business loans and how do they help UK contractors? – Construction business loans are tailored funding solutions that bridge cash flow between mobilisation and payment cycles and can cover materials, plant, labour and multiple ongoing jobs.
– Who is eligible for construction finance? – UK-registered limited companies or LLPs—including main contractors, subcontractors and specialist trades—may be considered subject to status, trading profile, credit and pipeline quality.
– How much can I borrow? – From £10,000 upwards depending on product type, security and your business profile, with tailored options from matched lenders and brokers.
– How fast can I get funding? – You’ll typically hear back within hours, with funding speed varying by product, documentation readiness and lender processes.
– Will applying affect my credit score? – No—your enquiry on our site won’t affect your credit score, and partners only run credit checks if you choose to proceed.
– Can you finance applications for payment, certified stage invoices and retentions? – Yes—specialist construction invoice finance can handle applications for payment and certified stages and help bridge the impact of long terms and retentions.
– Do you work with start-ups or firms with imperfect credit or CCJs? – Many partners consider newer businesses and cases with credit blips on a case‑by‑case basis, with security and a strong project pipeline often improving options.
– Do I need security or a personal guarantee? – Unsecured loans often require a director personal guarantee, while larger or lower‑cost facilities may be secured against business or personal assets.
– Are you a lender or financial adviser? – We’re not a lender and don’t provide financial advice; we’re a free introducer that connects UK businesses to trusted lenders and brokers with no obligation to proceed.
– What will it cost and are there any fees or early settlement charges? – Pricing and terms vary by product, risk and security, and any arrangement, valuation, legal or brokerage fees and early settlement options will be disclosed by the lender/broker before you commit.