Building Services Business Loans & Finance Specialists
Summary: Fast Business Loans connects UK building services businesses—contractors, M&E firms, HVAC, electrical and fit-out specialists—with lenders and brokers able to provide funding from around £10,000 upwards. We’re an introducer (not a lender or adviser). Complete a short enquiry and we’ll match you to the best lenders/brokers for your needs. Free, no obligation and quick responses.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Fast facts:
- Matched with sector-experienced lenders and brokers
- Funding typically from £10,000 to £5m+
- Free to use • No obligation • Enquiry doesn’t affect your credit score
- Response usually within hours during business hours
How Fast Business Loans supports UK building services firms
We specialise in matching building services businesses with lenders and brokers who understand contractor cashflow, retentions and plant needs. We are not a lender and we do not give regulated financial advice — instead we make targeted introductions to providers who can assess and quote for the right solution.
Tell us the size of funding you need and the purpose (e.g. working capital, equipment, vehicle fleet, bridging a project) and we’ll connect you with partners who often specialise in your sector. Start your enquiry to get matched quickly and confidentially: Get Your Free Eligibility Check.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Finance challenges in the building services sector
Labour & subcontractor costs
Large projects often require upfront labour and subcontractor payments. Delays in client payments can create a shortfall that threatens programme delivery — timely funding can keep sites moving and retain trusted subcontractors.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Materials, plant & tooling upgrades
Specialist plant (MEWPs, compressors, testing equipment) and new tools are capital intensive. Asset finance and equipment loans let firms spread the cost while putting new kit to work immediately.
Managing seasonal cash flow & retentions
Retentions, staged payments and slow-paying clients create predictable liquidity gaps. Invoice finance, factoring or short-term working capital lines can unlock cash tied up in invoices or contracts.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Tendering for larger contracts
To tender for higher-value projects firms often need cash to fulfil bid conditions, supply bonds or finance mobilisation costs. Appropriate funding improves competitiveness and bid success.
Building services finance options we can help you explore
We’ll match you with brokers or lenders who offer a range of products suited to contractors and engineers. Facilities are subject to status and terms set by the lender.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Unsecured business loans – Quick access to working capital for smaller, short-term needs without taking collateral on specific assets.
- Secured term loans – Larger sums for expansion, often at better rates where security is acceptable.
- Asset & equipment finance – Spread the cost of plant, testing rigs or specialist tools while keeping them in use.
- Vehicle & fleet finance – Funding for vans, trucks or MEWPs with leasing or hire-purchase options.
- Invoice finance (factoring & discounting) – Release cash from unpaid invoices to improve liquidity and pay staff/suppliers.
- Stage payment / retentions funding – Solutions specifically designed to bridge retentions or staged contract payments.
- Bridging finance – Short-term bridging for project mobilisation or property-based needs.
- Revolving credit facilities (overdrafts) – Flexible lines to manage day-to-day cashflow swings.
- Refinance & consolidation – Restructure existing borrowing to reduce monthly costs or improve terms.
Facilities are arranged by lenders and brokers on their terms. Fast Business Loans only introduces you to the most relevant partners. Start your enquiry — it takes less than 2 minutes.
Our 4-step matching process
- Quick enquiry — Fill a short form with business details and funding purpose (2 minutes).
- Sector match — We match you to lenders/brokers experienced in building services and contractor finance.
- Rapid response — Matched partners contact you directly to clarify requirements and provide indicative quotes.
- Choose & draw down — Compare offers and proceed with the provider that best fits your needs.
Submitting an enquiry will not impact your credit score. If you proceed with a lender, they may carry out checks as part of their assessment. Start Your Enquiry
Why building services contractors choose Fast Business Loans
- Sector expertise — We understand contractor cashflow, retentions and equipment needs.
- Speed — Quick matching to appropriate lenders and brokers.
- Vetted partners — We introduce you to reputable providers experienced in trade and project finance.
- No obligation & free — Our service is free to use; you decide whether to proceed.
- Transparent — We explain that lenders set terms; we don’t guarantee approvals.
Client story (placeholder): M&E contractor matched to an invoice finance provider and unlocked £250k within days to cover mobilisation costs. (Full case studies available on request.)
Eligibility snapshot
What lenders typically consider
- Company trading history (many lenders prefer established limited companies)
- Annual turnover and profitability
- Existing borrowings and security offered
- Contract pipeline, client quality and payment terms
- Credit profile of the business and directors
Documents you may need
- Recent management accounts and VAT returns
- Bank statements (typically 3–6 months)
- Signed contracts, purchase orders or tender documents
- Debtor ledger if applying for invoice finance
- Details of assets if seeking secured or asset finance
Requirements vary by lender — we’ll introduce you to those most likely to approve your case. Note: Fast Business Loans does not provide financial advice; all facilities are subject to status.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Use cases across building services disciplines
HVAC & Refrigeration
Scenario: New commercial contract requires additional technicians and testing kit. Solution: Asset finance for test equipment plus short-term working capital. Outcome: Project started on time; cashflow smoothed through staged payments.
Electrical & Data Cabling
Scenario: Large fit-out with 90-day payment terms. Solution: Invoice discounting to release cash against raised invoices. Outcome: Payroll and supplier payments met without using director cash.
Plumbing & Fire Safety
Scenario: Tender success requires mobilisation bond. Solution: Bridging or short-term facility to meet bid conditions. Outcome: Contract won and bonded; facility repaid from first stage payment.
Fit-out & Refurbishment
Scenario: Simultaneous projects strain van fleet. Solution: Vehicle finance for new vans with competitive monthly payments. Outcome: Increased capacity and earlier project completion.
Get Quote Now — tell us your discipline and funding need and we’ll match you to the right partners.
Success snapshot
Example (template): Mid-sized electrical contractor, £3m turnover, faced a £120k cash shortfall due to delayed stage payments. Matched to an invoice finance provider via Fast Business Loans; facility approved in 48 hours and funds released within 5 working days. Result: Projects continued, late-payment penalties avoided and growth targets stayed on track.
Cost transparency & responsible funding
Our matching service is free for businesses. Lenders and brokers set product costs — interest rates, fees and APR vary by product, security and credit profile. Always compare offers, read the lender’s terms carefully and consider independent advice for complex borrowings. All finance is subject to status and approval by the provider.
Ready to explore your options?
Get matched to lenders and brokers experienced in building services finance. Complete a short enquiry now — it takes under 2 minutes, is free and carries no obligation: Free Eligibility Check.
No application is made by submitting the form — it simply helps us match you with the right providers.
Frequently asked questions – Building services finance
What loan amounts can building services firms access?
Typical amounts range from around £10,000 up to £5m or more depending on lender appetite, security and the strength of your application. We’ll match you to lenders who work at the scale you need.
How quickly can funds be received?
Many matched providers will respond within hours. Time to funding depends on the product and documentation: some products (e.g. simple unsecured loans) can be completed in days, while asset finance or secured facilities may take longer.
Will a personal guarantee be required?
Some lenders may request personal guarantees, particularly for director-led companies or where security is limited. The requirement varies by lender and deal size.
Does submitting an enquiry affect my credit file?
No — completing the Fast Business Loans enquiry does not impact your credit score. Lenders or brokers may perform credit checks later if you decide to progress an application.
Are sustainability upgrades (e.g. heat pumps, EV chargers) fundable?
Yes — many lenders provide finance for sustainability projects. Depending on the project, solutions include asset finance, green-specific loans or commercial term loans. Tell us the project details and we’ll match suitable partners.
Enquiry form
(Placeholder) — the enquiry form goes here. Microcopy example: “We use the details you provide to match your business to relevant lenders and brokers. Your enquiry is a request for information, not a loan application. By submitting you consent to our privacy policy.”
– What loan amounts can building services firms access?
Typical funding ranges from around £10,000 up to £5m+ depending on lender criteria, security and your business profile.
– How quickly can funding be received?
Many matched lenders respond within hours and simpler facilities can fund in days, while secured or asset-backed deals may take longer.
– Does submitting an enquiry affect my credit score or count as a loan application?
No—our enquiry is not an application and won’t impact your credit score; lenders may run checks only if you choose to proceed.
– What types of finance are available for contractors and engineers?
You can explore unsecured and secured business loans, asset and equipment finance, vehicle and fleet finance, invoice finance, retentions/stage-payment funding, bridging finance and revolving credit facilities.
– Can you help with cash flow gaps from retentions, staged payments or slow-paying clients?
Yes—we match you with invoice finance and retention funding solutions designed to unlock cash tied up in invoices or contract stages.
– What can the funds be used for?
Working capital, labour and subcontractor costs, materials and plant, tools and testing kit, vehicles/MEWPs, mobilisation and bonds, sustainability upgrades (e.g. heat pumps, EV chargers) and tendering for larger contracts.
– Do I need security or a personal guarantee?
Some lenders require security or a director’s guarantee, especially for larger or unsecured facilities, but requirements vary by product and provider.
– Who is eligible and what do lenders typically look for?
Lenders assess trading history, turnover and profitability, existing borrowings, contract pipeline and payment terms, plus the credit profile of the business and directors.
– What documents will I need?
Expect requests for recent bank statements, management accounts or VAT returns, signed contracts/POs or tender docs, debtor ledgers for invoice finance, and asset details for secured facilities.
– What does Fast Business Loans charge and how does the service work?
Our matching service is free and no-obligation—we’re an introducer, not a lender, and we connect UK building services firms with relevant lenders and brokers who then quote their own rates and terms.