Construction Business Loans and Finance for UK Firms

Fast, free matching to trusted UK lenders and brokers who understand construction cash flow. Check eligibility in minutes — no obligation to proceed.

• Finance for materials, labour, plant, vehicles, and cash flow
• Construction‑savvy partners: stage payments, retentions, CIS
• Compare options without affecting your credit score at enquiry stage
• Quick response — often the same business day

Get Started — Free Eligibility Check
Free to use. No obligation. Your enquiry won’t affect your credit score; partners may run checks if you proceed.

We only introduce UK-verified brokers/lenders who follow FCA principles of fair treatment.

Short answer: Construction business loans are flexible finance solutions designed for UK construction companies facing up‑front costs, stage payments, and retentions. Through our free service, we connect limited companies to specialist lenders and brokers for options including working capital loans, construction invoice finance, stage/contract finance, asset and vehicle finance, bridging/development funding, and VAT loans — typically from £10,000+. Your enquiry doesn’t affect your credit score with us, and there’s no obligation to proceed.

What Are Construction Business Loans?

Construction business loans are tailored finance solutions for main contractors, subcontractors, trades, and developers whose cash flow is driven by valuations, stage payments, and retentions. Unlike general business loans, construction‑savvy lenders understand JCT contracts, QS valuations, CIS deductions, and how project pipelines affect affordability.

These facilities can support mobilisation, materials, and labour before a valuation is certified, bridge 30–90+ day payment terms, and smooth retentions. Many providers will work off contracts and stage schedules rather than relying solely on standard invoice cycles.

Fast Business Loans is not a lender. We introduce your business to suitable lenders and brokers who understand the sector and can help you compare options quickly and fairly. Our service is free to use and there’s no obligation to proceed.

Common Construction Finance Options We Can Connect You To

Unsecured & Secured Business Loans

• Working capital for materials, labour, and overheads.
• Secured options may unlock larger limits/lower rates; unsecured can be faster to arrange.

Invoice Finance (Factoring/Discounting)

• Advance against applications for payment/invoices to bridge 30–90+ day terms and retentions.
• Many lenders can work with JCT/valued works and QS certifications.

Contract Finance / Stage Payments Finance

• Funding aligned to specific contracts or milestones for mobilisation and labour/material surges.
• Helps you take on larger projects without starving cash flow.

Asset Finance (Hire Purchase, Lease, Refinance)

• Spread the cost of plant, machinery, tools, and vehicles to preserve cash.
• Refinance existing assets to release working capital.

Development / Bridging Finance (for property developers)

• Short‑term funding for site acquisition, build phases, or auction purchases; exit via sale or refinance.
• Drawdowns staged to build progress and monitoring surveyor reports.

VAT Loans / Tax Finance

• Cover VAT liabilities and smooth HMRC timing gaps without draining day‑to‑day cash.

Revolving Credit Facilities / Overdraft Alternatives

• Flexible drawdowns and repayments to plug short‑term gaps as they arise.

Refinancing & Consolidation

• Restructure existing borrowing to simplify cash flow and reduce monthly outgoings where possible.

Free Eligibility Check
Unsure which option fits your project? We’ll connect you with construction‑savvy partners. No obligation.

Prefer a guide written for your sector? See our in‑depth overview of construction business loans.

Who We Help in Construction

• Main contractors and specialist subcontractors (M&E, civils, scaffolding, groundworks)
• Trades: builders, roofers, electricians, plumbers, HVAC
• Housebuilders and property developers
• Plant hire, fit‑out and refurbishment contractors
• Start‑ups with experienced directors, growing SMEs, and established limited companies

Note: We focus on limited companies and organise facilities typically from £10,000 and upwards.

Eligibility and What Lenders Look For

• UK‑registered business (Ltd company/LLP). Developers: viable project and exit plan.
• Turnover and trading history (some options available from early stage if directors are experienced).
• Credit profile of business/directors — adverse isn’t an automatic “no”.
• Contracts and pipeline: JCT terms, QS valuations, stage schedules, retentions.
• CIS/VAT status, insurances, H&S and site compliance.
• Affordability: management accounts, bank statements, cash‑flow forecasts.
• Security availability for secured products: property or asset backing.
• Personal Guarantees: may be required depending on product and risk.

Your enquiry with Fast Business Loans won’t affect your credit score. If you choose to proceed, a lender/broker may conduct credit checks with your consent.

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Fast response. No obligation to proceed.

Costs, Rates and Fees (Clear, Fair, Not Misleading)

Pricing depends on product type, amount, term, security, credit profile, and sector risk. Construction can carry unique risks (retentions, dependencies, delays), which are reflected in terms.

Typical cost drivers include:

• Secured vs unsecured (security and guarantees can affect rate/limit)
• Loan term and risk profile
• Asset quality and age (for asset finance/refinance)
• Arrangement and documentation fees; legal/valuation fees (development/bridging)
• Early settlement charges or minimum terms (where applicable)

We don’t publish set APRs because lenders’ terms vary. Your matched lender/broker will disclose all fees, rates and total cost before you decide. Our service is free for business owners; we may receive a commission from partners if you proceed.

What You Can Use the Funds For

• Materials, labour, subcontractors, mobilisation costs
• Plant, machinery, tools, and vehicles
• Bridging gaps from stage payments and retentions
• Deposits/bonds, insurances, health & safety compliance
• New tenders, expansion, multi‑site operations
• VAT/tax timing

All funding must be for legitimate business purposes.

Documents Checklist: Apply Faster

• 3–12 months business bank statements
• Latest filed accounts and/or management accounts
• Aged debtor/creditor lists (if applicable)
• Key contracts/JCT terms, pipeline summary, QS valuations
• Asset details for asset finance/refinance
• Director ID and proof of address
• VAT/CIS status and insurance certificates

Not every product needs every document — your lender/broker will confirm what’s required.

How Fast Business Loans Works (Step-by-Step)

Step 1 — Quick Enquiry

Tell us about your business and funding need in under 2 minutes. No hard search from us.

Step 2 — Smart Matching

We connect you with trusted UK brokers/lenders experienced in construction.

Step 3 — Rapid Response

Expect a call or email to discuss options, pricing, and documents.

Step 4 — Compare and Decide

Review terms and proceed only if you’re happy. Funding is handled directly by the lender/broker.

Get Quote Now — Free, no obligation

Why Choose Fast Business Loans for Construction

• Sector expertise and a panel of construction‑savvy partners
• Faster route to relevant options; save time and admin
• Free to use, no obligation; transparent process
• Your details are only shared with relevant partners who treat customers fairly

Start Your Enquiry

Construction Case Studies (Illustrative)

Subcontractor: 60‑day terms
A specialist M&E subcontractor faced long payment terms and retentions, creating payroll pressure. They implemented construction invoice finance, advancing a percentage against certified applications. Cash flow stabilised within 7 days of enquiry, enabling on‑time labour payments and the capacity to mobilise a second site.

Housebuilder: site acquisition and build
A regional housebuilder used bridging finance to acquire a site, then exited into development finance with staged drawdowns aligned to build milestones. The funding structure matched their cash flow, reducing interest costs and maintaining momentum to completion and sales.

These examples are illustrative only. Terms vary by applicant and lender; results are not guaranteed.

FAQs: Construction Finance

Can start‑ups in construction get finance?
Some lenders will consider start‑ups where directors have relevant experience and viable contracts/pipeline. Options may include unsecured working capital, asset finance for essential plant, and construction invoice finance once trading.

What if I have adverse credit or was declined elsewhere?
A previous decline or adverse credit isn’t an automatic “no”. Our wider panel may still have options, subject to affordability, security, and overall circumstances.

How fast can I get funds?
Simple unsecured facilities can complete in 24–72 hours from full application. Asset and invoice finance often complete within days. Bridging/development typically take longer due to valuations and legal steps.

Do you support applications for payment under JCT for invoice finance?
Many lenders on our panel understand JCT valuations and stage payments. Documentation requirements vary and will be confirmed by your matched partner.

What’s the difference between secured and unsecured loans?
Secured loans use collateral (e.g., property/assets) and may offer larger amounts or lower rates, but your assets are at risk if you don’t repay. Unsecured loans rely more on business performance and guarantees and are typically smaller with higher rates.

Will my enquiry affect my credit score?
No. Your enquiry with Fast Business Loans won’t affect your credit score. If you choose to proceed, the lender/broker may perform credit checks with your consent.

Do I pay Fast Business Loans any fees?
No. Our service is free for business owners. We may receive a commission from partners if you proceed.

Is this financial advice?
No. We are an introducer, not a lender, and we do not provide financial advice. You decide whether to proceed and may wish to seek independent advice.

What loan sizes are available?
Facilities typically start from £10,000+. Maximums depend on product type, affordability, and security.

What documents do lenders usually ask for?
Common items include recent bank statements, management accounts, contracts/JCT terms, QS valuations, VAT/CIS status, and director ID. Your partner will confirm specifics.

Important Information and Risk Warnings

• Fast Business Loans is an introducer, not a lender, and does not provide financial advice. Eligibility, rates, and terms are set by the lender/broker and depend on your circumstances.
• Your enquiry with us won’t affect your credit score. If you proceed, partners may carry out credit checks with your consent.
• Missing or late payments can cause serious money problems and affect your credit rating. For secured lending, your property or assets may be at risk if you do not keep up repayments.
• Consider independent advice if you’re unsure. Free, impartial guidance: MoneyHelper.

Helpful resources:
GOV.UK CIS overview | JCT contracts information

Get Your Free Eligibility Check

Ready to explore construction finance options for your next contract, tender, or site? Submit a quick enquiry and we’ll connect you with a suitable UK lender/broker — fast.

Get Started — Free Eligibility Check
No obligation. Quick response. Enquiry won’t affect your credit score.

We are an introducer, not a lender, and do not provide financial advice. Eligibility, rates and terms are set by the lender/broker and depend on your circumstances. Missing or late payments can cause serious money problems and affect your credit rating. For secured lending, your property or assets may be at risk. Your enquiry won’t affect your credit score; if you proceed, the lender/broker may conduct credit checks with your consent. Our service is free for business owners; we may receive a commission from our partners if you proceed.

– What are construction business loans? – They’re tailored finance solutions for UK contractors, subcontractors and developers to cover materials, labour, plant and cash flow around stage payments and retentions, including working capital, invoice/contract finance, asset finance, bridging/development and VAT loans.
– Who is eligible for construction finance? – UK‑registered limited companies/LLPs in construction or property development are considered, with lenders assessing turnover, trading history, contracts/pipeline, credit profile, affordability and available security.
– How much can I borrow and over what term? – Facilities typically start from £10,000+ with limits and terms set by product type, affordability and security offered.
– How quickly can I get funds? – Unsecured loans can fund in 24–72 hours from full application, while invoice/asset facilities often complete within days and bridging/development take longer due to valuations and legal work.
– Will checking eligibility affect my credit score? – No, your enquiry with Fast Business Loans won’t affect your credit score, though partners may run checks with your consent if you proceed.
– Do you support JCT applications, stage payments and retentions? – Yes, many lenders we connect you to can fund against JCT/QS valuations, stage schedules and retentions.
– Can start-ups or firms with adverse credit get funding? – Yes, some lenders consider start‑ups with experienced directors and businesses with adverse credit, subject to affordability, security and viable contracts.
– What can the funds be used for? – Materials, labour, subcontractors, mobilisation, plant and vehicles, bridging stage-payment gaps and retentions, VAT/tax timing, deposits/bonds, insurances and expansion are all typical uses.
– What do construction business loans cost? – Pricing varies by product, term, security and risk, with all rates and fees disclosed by your matched lender/broker before you decide.
– Are you a lender and does it cost to use your service? – We’re an introducer, not a lender, and our matching service is free for business owners; we may receive a commission from partners if you proceed.