Funding options from around £10,000 to £5,000,000+ for UK construction businesses.

• Manage cash flow across staged payments, retentions, and CIS considerations
• Purchase materials, hire labour, and cover VAT/PAYE, insurance, fuel
• Fund plant, tools, machinery, vans and HGVs
• Partners who speak construction; quick responses

Get Your Free Eligibility Check — No credit impact to enquire. Takes less than 2 minutes.

Get Quote Now — We’ll connect you with construction-aware lenders and brokers.

We’re an introducer, not a lender. Partners may run credit checks if you decide to proceed. About our service and disclosures.

Why Construction Firms Use Finance

Construction is capital-intensive and cash flow can be unpredictable. Staged payments, certified applications, retentions, CIS deductions, seasonal shifts, and delays in valuations often lead to financing gaps—especially when materials and labour must be paid upfront. Add insurance renewals, fuel costs, and rising input prices, and finance becomes a practical tool to keep projects moving and seize new opportunities.

Common use cases include:

• Buying materials upfront for new or larger contracts
• Hiring extra labour to hit deadlines and avoid penalties
• Bridging retentions and payment gaps
• Purchasing or refinancing plant, tools, and machinery
• Funding vehicles and specialist equipment
• Covering VAT/PAYE, insurance, and fuel during tight periods
• Managing delays in certificates and variations

Free Eligibility Check — No obligation; partners explain rates, terms, and fees before you proceed.

Types of Construction Finance We Can Match You With

Through our UK partner network, we connect construction companies with lenders and brokers offering sector‑aware products. No single option suits every firm, so it helps to compare quickly and choose what fits your project pipeline and risk appetite.

Unsecured Business Loans

Flexible working capital for materials, staffing, and short-term needs. Typically faster decisions. Many lenders request a personal guarantee from directors. Suitable for firms seeking speed without asset security.

Secured Business Loans

For larger requirements or sharper pricing. Security may include property or other business assets. Useful for multi‑site operations, major equipment purchases, or refinancing existing commitments.

Asset & Equipment Finance

Hire purchase, lease, or refinance for plant, tools, machinery, and technology to keep sites productive. Explore options via our asset finance and equipment finance partners for both new and used assets.

Vehicle & HGV Finance

Fund vans, pickups, HGVs, and specialist vehicles with hire purchase, lease, or refinance solutions. Helps expand or modernise fleets to boost site efficiency. See vehicle finance.

Invoice Finance (Including Construction-Focused Facilities)

Release cash from certified applications and invoices rather than waiting for 30–90 day terms. Some facilities are built for contractors and subcontractors handling applications for payment. Learn more in invoice finance.

Bridging & Short‑Term Finance

Short-term funding to cover project gaps or urgent opportunities (e.g., auction purchases). Expect stricter due diligence and the need for a clear exit plan given the higher risk profile.

Contract Finance & Project Finance

Structured facilities aligned to milestones and contractual cash flows. Useful for staged costs on larger projects. Typically handled by specialist brokers/lenders with deep sector experience.

Refinance & Consolidation

Restructure existing commitments to improve cash flow and simplify monthly outgoings. Suitability is case-by-case based on your asset base and obligations.

Availability, rates, terms, and eligibility vary by lender. Any quote is indicative until fully assessed. Get Matched to Construction Finance Specialists — No credit impact to enquire.

Who We Help in Construction

• Main contractors and subcontractors
• SME house builders and developers
• Civil engineering, groundworks, steel, M&E
• Roofing, cladding, carpentry, joinery
• Plant hire, scaffolding, glazing
• Facilities and building services companies

Many partners can consider short trading histories if there’s sector experience or strong contracts. We serve incorporated businesses (e.g., limited companies, LLPs, partnerships). construction business loans insights and sector details are also available on our industry hub.

Get Started Free Eligibility Check — No obligation; partners disclose all fees before you proceed.

How Our Process Works (Simple and Fast)

1. Complete a Quick Enquiry — tell us about your business, amount, and purpose (under 2 minutes).
2. We Match You — with trusted UK lenders/brokers who understand construction.
3. Rapid Response — expect a call/email to discuss options, documents, and next steps.
4. Compare, Decide, and Fund — you choose if and when to proceed; no pressure.

Your enquiry won’t affect your credit score. Partners may perform checks only if you choose to go ahead. Start Your Enquiry

What Lenders Typically Look For

Basic criteria (varies by lender)

• UK-based incorporated business (e.g., limited company, LLP, partnership)
• Time trading and turnover thresholds differ across our panel
• Credit profile of business and directors — adverse considered case‑by‑case
• Funding needs from around £10,000 and up

Useful documents

• Last 3–6 months’ business bank statements
• Latest accounts and/or management information
• Details of contracts, applications for payment, or invoices
• Asset list and liabilities; CIS statements where relevant

Security and guarantees

• Unsecured vs secured options depend on risk, amount, and term
• Personal guarantees may be requested
• Asset-backed facilities for larger amounts or sharper pricing

Providing complete, accurate information usually speeds decisions. Free Eligibility Check

Costs, Terms, and Timescales (Clear and Fair)

Costs and terms vary by lender, facility type, sector risk, and security. Fast Business Loans doesn’t set rates and doesn’t provide financial advice. Any finance agreement will be directly between you and the lender/broker.

• Amounts: typically from around £10,000 to £5,000,000+
• Terms: a few months to several years depending on the product
• Fees: arrangement and/or broker fees may apply; partners will explain clearly before you proceed
• Speed: some unsecured and invoice finance decisions can be quick once documents are supplied; larger or secured deals may take longer due to due diligence or valuations

Important: Missing or late payments can affect your credit rating and your ability to obtain future finance.

Real-World Scenarios (Illustrative)

Scenario A: Subcontractor bridges a 60‑day payment lag
A subcontractor uses invoice finance against certified applications to stabilise payroll and buy materials. With improved cash flow, the firm confidently accepts a larger contract.

Scenario B: Builder expands fleet for peak season
A regional builder funds new vans via vehicle finance. Faster site turnarounds help the business increase capacity and win more tenders.

Scenario C: Plant upgrade via asset finance
A groundworks company upgrades excavators with asset finance, boosting productivity and improving safety and compliance on site.

Examples are for illustration only and do not guarantee outcomes. Get Quote Now

Why Use Fast Business Loans

Specialist matchmaking for construction

• Save time vs calling multiple lenders
• Panel includes lenders/brokers who speak construction

Free to use and no obligation

• Your enquiry is free; you decide only if you’re happy to proceed

Trusted connections

• Verified UK partners who follow fair treatment principles

Secure handling of your data

• Shared only with relevant partners for your request

Get Your Free Eligibility Check Now — No credit impact to enquire.

What We’ll Need to Get You Started

• Business name and contact details
• Funding amount and brief purpose (e.g., materials, plant, vehicles, cash flow)
• Approximate turnover and time trading
• Useful notes (e.g., contracts, applications, invoices, retentions, asset list)

Start Your Enquiry — Takes less than 2 minutes. No obligation.

FAQs: Construction Business Loans

Are you a lender?
No. Fast Business Loans is an introducer. We connect UK construction businesses with trusted lenders and brokers who offer finance directly.

Will my enquiry affect my credit score?
No. Your enquiry won’t affect your credit score. Partners may run credit checks only if you decide to proceed.

How quickly can I get funding?
Some unsecured and invoice finance decisions can be quick once documents are supplied. Larger or secured facilities may take longer due to due diligence and valuations.

Can you help if my company has a short trading history?
Many partners consider younger businesses where there is sector experience or strong contracts. Suitability is assessed case by case.

Do lenders accept applications for payment and CIS deductions?
Many construction-focused facilities are designed around applications/certifications and CIS. Suitability varies by lender.

What amounts can I apply for?
Our partners typically support requirements from around £10,000 up to £5,000,000+ depending on your profile and the facility type.

Do you charge me for using your service?
No. It’s free for business owners to submit an enquiry. Any fees will be explained by the lender/broker before you proceed.

What information helps speed things up?
Bank statements (3–6 months), accounts/MI, contract details, applications/invoices, and ID documents.

What happens after I submit the form?
We match you with suitable partners. You’ll receive a call/email to discuss options and next steps. You choose if you wish to proceed.

Which finance types are available for construction?
Options include unsecured/secured loans, asset and equipment finance, vehicle finance, invoice finance, bridging, and project/contract finance.

Compliance & Disclosures

Fast Business Loans is an introducer, not a lender, and does not offer financial advice. We connect UK businesses with verified finance brokers and lenders. Enquiries are free and there’s no obligation to proceed once you’re matched. Any finance agreement will be directly between you and the lender/broker. Your enquiry will not impact your credit score; partners may run credit checks only if you choose to proceed. Eligibility, rates, and fees depend on your circumstances and the lender’s criteria. Missing or late repayments can affect your credit rating and your ability to obtain future finance. We aim for promotions that are clear, fair and not misleading. Your details are handled securely and shared only with relevant finance partners.