Introduction

Running a building services business—electrical, HVAC, plumbing, fire and security, or M&E contracting—often means juggling tight margins, delayed client payments and rising material costs. Whether you need short-term working capital, finance for new vehicles and plant, or funding to scale into retrofit and EV charging work, specialist finance can keep projects moving.

Fast Business Loans does not lend. We act as an introducer that quickly matches your business with lenders and brokers who understand the building services sector. Our enquiry is free and no obligation: you provide a few details and we introduce you to providers likely to suit your needs. Free Eligibility Check

Why building services firms seek specialist finance

Cashflow pressures on UK building services

Late client payments and staged contracts can create short-term gaps that put projects at risk. Specialist working capital or invoice financing helps firms pay suppliers, retain subcontractors and keep crews on site without sacrificing margins.

Rising material & compliance costs

Inflation, compliance upgrades and new safety standards add unpredictable expense. Finance can smooth the cost of materials and one-off compliance investments so you can bid competitively.

Growth opportunities worth funding

Many contractors are expanding into energy-efficiency retrofits, EV charger installations and smart building systems. Asset finance and growth loans let you invest in tooling, training and stock to seize those opportunities.

Curious what options fit your business? Check your funding options now – no credit score impact from enquiring.

Finance options we can introduce for building services contractors

Depending on your needs we can introduce lenders and brokers who offer a range of products suitable for contractors. Below are common solutions and typical uses.

Working capital & cashflow loans

• Use: cover payroll, supplier invoices, bid bonds, short-term gaps.
• Amounts: from about £10,000 up to several million (subject to lender criteria).
• Features: unsecured or secured options, flexible terms to match project cycles.

Invoice finance & contract finance

• Use: unlock cash tied up in unpaid invoices or staged contracts.
• Benefits: improves liquidity without waiting for client settlement.

Asset & equipment finance

• Use: buy or lease vans, MEWPs, compressors, HVAC kit, tools.
• Benefits: preserves cash and spreads cost over useful life.

Commercial mortgages & bridging finance

• Use: purchase depots, refurb premises or bridge a property transaction.

Green & sustainability funding

• Use: finance heat pumps, solar PV, battery systems and EV chargers for clients or your own fleet.
• Note: there are specialists who understand retrofit cashflows and grant interactions.

Important: we introduce you to providers; lending decisions and terms are made by lenders. No outcome is guaranteed. If you’re ready, Get Quote Now.

For sector-specific guidance see our pillar resource on building services business loans.

How Fast Business Loans works for building services companies

1. Quick enquiry form – tell us about your company, funding need and contact details. It takes under 2 minutes. Start Your Enquiry.
2. Sector matching – we match your brief to lenders or brokers experienced with trades and contractor cashflows.
3. Rapid response – expect contact by phone or email to discuss options; many brokers respond within hours on business days.
4. Compare & decide – review offers, ask questions and choose the best fit. You remain in control and there’s no obligation to proceed.

We only share your details with partners who can help and who agree to our data-use terms. For peace of mind, Start Your Enquiry – It’s Free.

Eligibility snapshot for building services funding

Typical information lenders will ask for

Lenders commonly request annual turnover, trading history, recent accounts or management accounts, details of the contract or pipeline, and basic credit/background information. Security requirements vary by product.

Can newer contractors apply?

Yes. Many lenders consider experience, contract evidence and personal/management guarantees rather than long trading histories. Smaller facilities are available from £10,000 upwards.

Previously declined?

A refusal from one lender doesn’t mean all doors are closed. Different lenders have different risk appetites; being open about past issues helps us find realistic alternatives.

Reminder: final eligibility, rates and terms are decided by lenders after their assessments.

Benefits of using Fast Business Loans vs. going direct

• Save time — one short form connects you to multiple suitable providers.
• Better matches — we focus on lenders and brokers who know building services cashflows.
• No obligation — you only proceed if an offer suits you.
• Free to use — there’s no cost to submit an enquiry.
• Fewer repetitive applications — avoid multiple forms and repeated credit trawls.

See your tailored funding matches – Free Eligibility Check.

Responsible funding: what to consider before you borrow

Understand total cost

Check interest, fees, arrangement charges and early repayment costs. Ask providers for representative examples and schedules.

Stress-test repayments

Run cashflow scenarios (slower-than-expected payments, project delays) to ensure repayments are affordable in tough months.

Seek independent advice if unsure

If your plans are complex or large, speak to an accountant or financial adviser before signing a commitment. Fast Business Loans does not provide financial advice.

Building services funding success stories

HVAC installer scales for retrofit work — A mid-sized HVAC contractor secured asset finance to buy new heat-pump rigs, enabling a successful bid on a multi-property retrofit. Match made within 48 hours; funding arranged in weeks.

Electrical contractor bridges payments — An electrical contractor used invoice finance to cover a £120k pipeline while waiting on staged client payments. Cashflow stabilised and subcontractors were paid on time.

Smart retrofit specialist invests in tools — A business entering EV charger installations used a blended package (asset finance + short-term working capital) to train staff and buy specialist test equipment.

Step-by-step: your enquiry checklist

Have these ready (you can still submit an enquiry if some items are estimates):

• Company name & contact details
• Type of funding and approximate amount required (from £10,000)
• Brief description of purpose (e.g., vans, bridging, invoice finance, premises)
• Latest year turnover and recent management accounts or bank statements
• Details of any security/assets available

Submit Your Building Services Loan Enquiry

Frequently Asked Questions

What loan amounts are available for building services firms?

Through our partners you can access facilities from around £10,000 up to several million. Exact amounts depend on lender criteria, security and your trading profile.

Will submitting an enquiry affect my credit score?

No. Filling our enquiry form does not impact your credit file. Lenders may carry out credit checks later if you choose to proceed with an offer.

How fast can funding be arranged?

Initial contact usually within hours. Time to funds depends on product and paperwork—asset finance or invoice finance can be quicker; mortgages and larger facilities typically take longer.

Do you support limited companies and contractor businesses?

Yes. We match limited companies and contractor firms with lenders and brokers experienced in building services finance.

Can I refinance existing equipment or vehicles?

Many providers offer refinance or sale-and-leaseback options to release capital from existing assets.

What security might lenders require?

Security varies: personal or company guarantees, charges on property, or retention of title on financed equipment are common. Security depends on product and lender risk appetite.

Are sustainability projects eligible?

Yes. There are lenders who specialise in green finance for heat pumps, solar, batteries and EV chargers; they often consider grant interactions and long-term energy savings in affordability assessments.

Do you charge businesses to use your service?

No — submitting an enquiry via Fast Business Loans is free for business owners. Any fees or charges would be those disclosed by lenders if you proceed with an offer.

Ready to explore your building services funding options?

Fast Business Loans makes it simple: tell us what you need and we’ll put you in touch with lenders and brokers best placed to help. There’s no obligation and completing the form will not harm your credit score. Get Your Free Building Services Finance Match.