We connect UK businesses to vetted brokers and lenders • Sector expertise: construction • Simple form — under 2 minutes

How Construction Finance Works with Fast Business Loans

Here’s how it works in 4 steps

1. Complete a 2‑minute enquiry: Tell us about your company, funding need and contact details (enquiry only, not an application).
2. Matched to suitable partners: We connect you with UK lenders/brokers who understand construction finance.
3. Rapid response: You’ll typically get a same‑day call or email during business hours to discuss options.
4. Compare and choose: Speak directly with the lender/broker. There’s no obligation to proceed.

No obligation. 2‑minute form. Get matched today.

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Finance Options for the Construction Industry

Construction rarely follows a straight line. Materials price spikes, labour shortages, stage-payment delays, retentions, CIS/VAT pressures and urgent plant needs can all hit cash flow. The right facility can bridge these gaps at the right moment.

Unsecured Business Loans

Typically used for short‑term working capital, payroll, marketing, small tools and project mobilisations. Terms vary by lender and profile; decisions can be relatively quick once information is complete.

Secured Business Loans

Suitable for larger requirements, refinancing or growth. Security might include property, vehicles or other assets. Rates and terms depend on security quality and business performance.

Invoice Finance for Construction

Unlock cash tied up in applications for payment, stage invoices and valuations. Many partners understand JCT processes and construction receivables. Treatment of uncertified applications varies by lender.

Asset Finance (Plant, Machinery, Vehicles)

Finance or refinance diggers, excavators, scaffolding, access equipment, vans and specialist tools via hire purchase, finance lease or asset refinance. May preserve working capital while upgrading kit.

Bridging and Development Finance (Business Purpose)

Short‑term bridging for acquisitions or refurbishments, and development funding for new build/refurb projects. Security, valuations and professional reports are usually required. Timelines depend on legal/valuation steps.

Other Solutions

Overdraft alternatives and revenue‑based solutions may be available for incorporated trades and subcontractors. Options depend on turnover, contract quality and underwriting.

Reminder: Rates, terms and approval depend on the lender’s assessment. We do not provide financial advice. For a deeper sector overview, see our guide to construction business loans.

Common Use Cases We See in Construction

• Rapid materials purchases to beat price rises or secure limited stock.
• Hiring extra labour or specialist subcontractors to hit deadlines.
• Covering CIS/VAT and overheads between valuations or stage payments.
• Managing retentions and late payments without pausing current jobs.
• Upgrading or replacing plant/vehicles ahead of peak season or new contracts.
• Mobilisation costs (site setup, prelims, insurances) for newly awarded contracts.

One enquiry. Multiple suitable options.

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Who We Help

• Main contractor businesses delivering multiple JCT contracts.
• Incorporated subcontractors and trades (e.g., plumbing, electrical, groundworks, roofing).
• Civil engineering and building services companies.
• Specialist contractors (shopfitting, scaffolding, cladding, M&E).
• Newly formed or younger limited companies with growing order books (subject to lender appetite).
• Firms previously declined elsewhere—our panel breadth may help surface alternatives.

Note: We support UK limited companies and incorporated partnerships. We do not arrange funding for sole traders or professions-only loans.

Eligibility and What Lenders Typically Look For

Typical eligibility factors (vary by lender)

• UK‑registered limited company or incorporated partnership; active trading or credible new‑start basis.
• Turnover, profitability, existing debt and director credit profiles.
• Contract pipeline and client quality (e.g., tier‑one/main contractor, local authority, framework).
• Appropriate insurances (e.g., public liability, professional indemnity where relevant).
• For asset/development finance: security availability, valuations, QS reports, project appraisals.

Documents to prepare

• 3–6 months of recent business bank statements.
• Latest filed accounts and current management accounts.
• Aged debtor/creditor lists (if available).
• Key contracts, JCT details, applications/valuations schedule.
• Asset invoices/quotes for plant or vehicles (where applicable).
• Director ID and proof of address.

What you’ll need is case‑by‑case. Brokers will confirm the essentials and help streamline the process.

Free eligibility check—no impact on your credit score to enquire.

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Costs, Terms and Timelines—What to Expect

We don’t quote blanket rates because lenders price per risk and product. Variables include:

• Facility type (unsecured, secured, invoice, asset, bridging/development).
• Loan size, term length, security quality, sector, contract profile and credit history.

Indicative speed (not guaranteed):

• Unsecured business loans: decisions often within 24–72 hours after full information.
• Asset finance: 2–5 working days (longer for complex assets or structures).
• Invoice finance: 1–2 weeks to set up; drawdowns are then typically fast.
• Bridging/development: additional time for valuations, legal and QS steps.

There’s no obligation to proceed. Our service is free for business owners and directors.

Free Eligibility Check

Risks and Responsible Borrowing

If you miss repayments, your credit rating may be affected and legal action could be taken. For secured lending, your property or other assets may be at risk.

Only borrow what your business can afford, with contingency for retentions, delays and unexpected costs. We are not a lender and do not offer financial advice—consider independent advice if needed.

Free Eligibility Check

Why Use Fast Business Loans for Construction Finance?

• Sector‑matched introductions: Save time with partners who understand applications for payment, JCT, retentions and construction risk.
• Multiple options via one enquiry: Broader access can increase the likelihood of a suitable fit.
• Human support: Speak to experienced finance professionals through our partner network.
• Transparent and secure: Free enquiry, no obligation. Details shared only with relevant UK partners.
• Purpose‑built for speed: 2‑minute form, rapid response during business hours.

How to Get Started (2 minutes)

1. Complete our short online enquiry.
2. Get matched to suitable construction finance partners.
3. Receive a quick call or email to discuss options.
4. Compare and choose directly with the lender/broker.

Will this affect my credit score? No—making an enquiry does not affect your credit score. Partners may run checks only if you decide to proceed.

What funding sizes are possible? Our partners commonly serve from around £10,000 to £5 million+ depending on product and circumstances.

One enquiry. Multiple suitable options.

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FAQs: Construction Business Finance

Is Fast Business Loans a lender?

No. We are an introducer. We connect UK construction businesses with trusted lenders and brokers who provide finance directly.

How fast can construction businesses get funding?

It varies. Some unsecured decisions can be made within 24–72 hours after full information. Asset and invoice finance set‑ups can take a few days to a couple of weeks. Bridging and development facilities usually take longer due to legal and valuation steps.

Do you support invoice finance for uncertified applications or JCT contracts?

Many partners specialise in construction receivables, including applications for payment and JCT contracts. Treatment of uncertified applications varies by lender.

Can start‑ups or newly formed contractors apply?

Some partners may consider newly formed limited companies, especially where directors are experienced and contracts are strong. Eligibility is always case‑by‑case.

What if I’ve been refused by a bank?

Submit a free enquiry. Because we work with a broad panel, you may still be eligible with another lender.

Will enquiring affect my credit score?

No. Submitting our enquiry does not affect your credit score. If you proceed with an option, partners may run soft or hard checks.

What loan amounts are available?

Our partners commonly serve from around £10,000 to £5 million+ depending on the product, security and your business profile.

What documents will I need to provide?

Typically: bank statements (3–6 months), accounts/management figures, debtor/creditor lists, key contracts (JCT), asset quotes and director ID. Your broker will confirm what’s required.

Do you support development or bridging finance for business purposes?

Yes. We can introduce partners who provide business‑purpose bridging and development funding. Security and valuations are usually required.

Do you charge a fee to business owners?

No. Our service is free for business owners and directors. We may receive an introducer fee from partners if you proceed.

Are enquiries open to sole traders?

We currently support UK limited companies and incorporated partnerships. We do not arrange funding for sole traders.

Do you provide financial advice?

No. We do not provide financial advice. Consider seeking independent advice if needed.

Compliance and Transparency

We’re an introducer, not a lender; we do not provide financial advice. All information here is for general guidance only. Enquiries are free and without obligation. If you proceed with an option, we may receive an introducer fee from our partners.

Your details are shared only with relevant UK finance partners who can help with your request. Borrowing is subject to status and affordability. Failure to keep up repayments may negatively affect your credit rating and could result in legal action or repossession of secured assets. Business purposes only. UK businesses only.

No obligation. 2‑minute form. Get matched today.

Start Your Enquiry