Funding for materials, labour, plant, and cash flow — matched to trusted UK lenders and brokers

• Free eligibility check. No obligation.
• Short enquiry — typically under 2 minutes.
• Sector‑aligned partners who understand construction cash cycles.

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How Construction Businesses Use Finance

Construction finance helps UK firms manage long payment cycles, retention periods, and the upfront costs of mobilising new projects. With staged payments and change orders common, access to the right facility can smooth cash flow and keep sites moving.

Typical uses include:

• Front‑funding materials and site mobilisation (deposits, permits, welfare and site setup)
• Bridging cash flow between applications for payment, certifications, and retentions
• Hiring labour or subcontractors to hit programme milestones
• Plant and machinery purchases or upgrades (excavators, telehandlers, scaffolding)
• Vehicle and fleet additions for logistics and site access
• Insurance, bonds, and VAT timing support on bigger contracts

Short examples:

• Short‑term working capital while waiting on certificates/retentions
• Equipment upgrades for productivity and safety compliance
• Mobilising a new contract before the first valuation lands

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Types of Construction Finance We Can Help You Access

Unsecured & Secured Business Loans

Suitable for limited companies and LLPs that need flexible working capital for 6–60 months, whether for payroll timing, materials, or general cash flow. Amounts and terms vary by provider and profile. Personal guarantees or security may be requested.

Asset & Equipment Finance (Plant, Machinery, Vehicles)

Fund excavators, loaders, telehandlers, MEWPs, vans, tower lights, and generators. Options often include hire purchase, finance lease, and refinancing against owned assets to release capital for new projects.

Invoice Finance for Contractors and Subcontractors

Advance cash against approved applications for payment or invoices to reduce the gap from 30–90+ days. Variants range from whole‑ledger to selective facilities, helping align cash inflow with programme outgoings.

Bridging & Development Finance

Specialist options for site acquisition, groundworks, and build costs. Expect security to be required, staged drawdowns tied to QS reports, and tailored underwriting based on GDV and exit strategy.

Merchant/Revenue‑Based Finance

For firms with strong card takings or recurring revenue streams, repayment can flex with turnover. Useful for materials or smaller equipment needs where speed is key.

We do not provide financial advice. Your matched lender or broker will present full terms, costs, and risks for any facility.

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Why Use Fast Business Loans for Construction Funding?

• Sector awareness: partners who understand CIS, applications for payment, retentions, and staged drawdowns
• Save time: one short enquiry → matched partners respond quickly
• Free to use and no obligation to proceed; soft checks until you choose to apply with a provider
• Broad options across unsecured, secured, asset, invoice, bridging, and development funding
• Clear, fair, and not misleading communication at every step

Looking for more on construction business loans? We’ve created a focused industry overview to help you compare funding routes.

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How It Works

1. Complete our short enquiry form with basic business and contact details.
2. We match you to suitable UK lenders/brokers aligned to construction.
3. Receive a rapid call/email to discuss options and documents needed.
4. Compare offers and decide — no pressure, no obligation.

Submitting an enquiry won’t affect your credit score. Partners may run credit checks if you choose to proceed.

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What Lenders Typically Look For (Construction)

• Time trading and company structure (Ltd or LLP)
• Turnover and profit trends; up‑to‑date management accounts
• Business bank statements and evidence of contracts/pipeline
• CIS statements and applications for payment history (where relevant)
• Aged debtor/creditor reports and bank conduct
• Security available (for secured products) and personal guarantees
• Credit profiles (company and, where relevant, directors)

Practical steps that can improve eligibility:

• Keep management information current and reconcile monthly
• Organise signed contracts, POs, and project schedules
• Reduce aged debt where possible; maintain clear bank conduct

General information only; criteria vary by provider.

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Costs, Terms, and Risks — What to Expect

Pricing depends on product type, credit risk, security, term, and market conditions. For example, unsecured working capital will price differently to development or bridging finance. Your matched partner will provide a personalised illustration before you decide.

Possible fees (vary by provider) include arrangement, valuation, legal, and documentation fees.

Risks to consider:

• Late or missed repayments can affect your credit rating
• Secured borrowing puts assets at risk
• Variable‑rate facilities may change with market conditions

Always review full terms and costs, and compare like‑for‑like before committing.

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Real‑world Scenarios (Examples)

• Bridging retentions: A contractor facing 60‑day retentions advances cash against approved applications for payment via selective invoice finance to keep payroll and suppliers on track.
• Plant upgrade: A roofing firm acquires a new telehandler using asset finance with staged payments aligned to delivery and commissioning.
• New build phase: A developer funds groundworks and superstructure using development finance with drawdowns against QS inspections.
• Materials prepayment: A refurbishment company secures a short‑term unsecured loan to cover upfront materials before the first valuation.

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Who We Help in Construction

• Main contractors, subcontractors, and specialist trades (M&E, roofing, groundworks, scaffolding)
• Developers and design‑and‑build firms
• Plant hire, building services, and fit‑out companies
• Newly incorporated and growing SMEs (Ltd or LLP)

Our broad panel improves the odds of finding a fit — even if you’ve been declined elsewhere. Minimum facility sizes typically start from £10,000.

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What Documents to Prepare

• 3–6 months business bank statements
• Latest filed accounts and up‑to‑date management information
• VAT returns and CIS statements (if applicable)
• Aged debtor/creditor reports
• Key contracts, purchase orders, and pipeline schedules
• Asset list (for asset finance/refinance)
• Company registration, UTR, and KYC (director ID and address)

If you don’t have everything to hand, submit the enquiry — your matched partner will guide you.

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Frequently Asked Questions (Construction Finance)

Can we get finance if we’re newly trading?

Potentially. Some providers consider newly incorporated limited companies and LLPs where there’s credible pipeline, management experience, and affordability. Product options and limits vary.

Will my enquiry affect our credit score?

No. Submitting an enquiry on our site won’t affect your credit score. Partners may run credit checks if you choose to proceed with an application.

Do you charge business owners any fees?

No. Our service is free for business owners and directors to use. We may receive a commission from partners if you proceed; this doesn’t increase the price you pay.

How quickly can funds be available?

Response is typically within hours. Funding timelines depend on the product and provider. Unsecured working capital can be fast; secured, bridging, or development facilities take longer due to valuations and legal work.

What’s the difference between unsecured loans, asset finance, and invoice finance?

Unsecured loans provide general working capital without specific collateral (PGs often required). Asset finance funds plant, machinery, and vehicles secured on the asset. Invoice finance advances cash against applications/invoices to bridge payment gaps.

Can we get finance if we have previous credit issues?

Some providers can consider imperfect credit, especially where there’s strong contract evidence, security, or a clear turnaround. Terms may differ.

Do we need security or a personal guarantee?

Secured products require collateral. Many lenders may also request personal guarantees. Your matched partner will explain terms and risks before you decide.

Can we finance used plant and vehicles?

Often yes. Many asset funders support new and used equipment, subject to age, condition, and valuation.

Can we finance applications for payment under CIS?

Some invoice finance providers cater for applications for payment and CIS arrangements. Evidence and verification processes will apply.

Is there a minimum or maximum amount?

We typically help with facilities from £10,000 upwards. Upper limits depend on product, provider, and security.

Are your partners regulated?

We work with UK lenders and brokers who communicate in a clear, fair, and not misleading way. Your partner will confirm their status and terms as part of your discussion.

What areas of the UK do you cover?

UK‑wide. Many partners can support multi‑site contractors and regional firms.

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Our Commitment to Transparency and Fairness

• We are not a lender and do not provide financial advice. We introduce UK businesses to finance brokers and lenders.
• Your enquiry is free and without obligation. We may receive a commission from partners if you proceed.
• Credit is subject to status and affordability. Security or personal guarantees may be required.
• Late or missed payments can impact your credit rating. Secured borrowing puts assets at risk.
• Your data is handled securely and shared only with relevant partners for your enquiry.

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