Win more tenders. Bridge stage payments. Keep projects moving.
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No impact to your credit score for submitting an enquiry. No obligation to proceed.

Image alt text suggestion (hero): “UK construction contractor reviewing project cash flow on site.”

Why Construction Businesses Use Finance

Construction is cash-flow heavy: materials up front, labour weekly, retentions on hold, and delays you can’t always control. Whether you’re a main contractor, specialist subcontractor, plant hire operator or SME developer, the right finance helps you mobilise quickly and finish profitably.

• Buy or pre-pay for materials and plant
• Cover labour and subcontractors between stage payments
• Bridge retentions and long debtor days
• Fund new equipment and vehicles
• Pay insurance, bonds, and compliance costs
• Mobilise for larger tenders or multiple sites
• Smooth seasonal and project-based cash flow

Check what you could be eligible for in 2 minutes

Types of Construction Business Finance We Can Connect You With

Every firm’s needs are different. Our panel includes lenders and brokers who understand CIS, applications, certifications, and retentions. Common options include:

Unsecured Business Loans

Fast working capital for materials, labour or site mobilisation. Typical terms 3–36 months. Personal guarantees often required. Subject to status and affordability.

Secured Business Loans

Larger amounts at potentially lower rates, secured against business assets or property. Common for bigger projects or consolidating debt. If you secure a loan against property, it may be repossessed if you don’t keep up repayments.

Revolving Credit Facilities

A flexible line of credit to draw, repay and redraw as needed—useful for managing stage payments, variations or delayed invoices.

Asset and Equipment Finance

Fund new or used plant, tools and vehicles (e.g., excavators, telehandlers, vans). Options include hire purchase, lease, or refinance of owned assets.

Image alt text suggestion: “Excavator purchased with equipment finance at UK building site.”

Invoice Finance (Including Construction-Specialist Facilities)

Unlock cash from applications and invoices where retentions and certifications delay payment. Some lenders support CIS, stage billing and partial/final certificates.

Image alt text suggestion: “Construction invoice and applications schedule used for funding.”

Trade Finance and Purchase Order Finance

Pay suppliers upfront for materials (including imports) and keep supply chains moving. Often paired with invoice finance for end-to-end cash flow.

Development and Refurbishment Finance

For property development and major refurbs: typically stage-drawn with interest rolled up. Lenders look at experience, GDV, cost plans and exit routes. We’ll connect you with specialist brokers on our panel.

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How Fast Business Loans Works (Simple, Free, No Obligation)

1. Complete a quick enquiry form
   Tell us about your business and what you need. It takes less than 2 minutes.
2. We match you with trusted partners
   We connect you with selected UK construction finance brokers and lenders best suited to your circumstances.
3. Get a rapid response
   Expect a call or email shortly to discuss your options and indicative terms.
4. Compare and decide
   Review your choices and move forward only if it’s right for you. No pressure and no obligation.

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Free to use for business owners/directors. Your enquiry won’t affect your credit score. Partners may run credit checks if you choose to proceed.

Eligibility and What Lenders Look For in Construction

Typical eligibility factors

• UK-based limited companies, partnerships and LLPs
• Trading history varies by product; some options consider younger businesses
• Turnover and average monthly bank credits
• Contract pipeline and client quality (main contractors/authorities/blue chips)
• Affordability and credit profile (business and, where relevant, personal)
• Security and guarantees (where applicable)

Documents to have ready

• Last 3–6 months’ business bank statements
• Latest accounts/management accounts
• Aged debtor/creditor lists (if available)
• Contract schedule, applications and retentions profile
• CIS records (if applicable)
• Asset list (for asset-backed or refinance)
• Project details for development/refurb (cost plan, programme, GDV, exit)

Helpful signals that support your case

• Evidence of profitable projects and repeat clients
• Clear cash flow forecasts and project timelines
• Up-to-date insurances, H&S, accreditations (e.g., CSCS, CHAS, Constructionline)
• Realistic contingencies and variation management plans

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How Much Can You Borrow and Over What Term?

Amounts and terms depend on the product, your business profile and lender criteria. As a general guide (minimum enquiries from £10,000):

• Unsecured business loans: approx. £10,000–£500,000, terms 3–60 months
• Secured loans: £25,000–£5m+ depending on security and circumstances
• Asset/equipment finance: typically 1–7 years; amounts linked to asset value
• Invoice finance: ongoing facilities sized to your debtor book
• Development/refurb: bespoke, often 6–36 months, staged drawdowns

All finance is subject to status, affordability checks, and approval by the lender/broker you choose to work with.

Risk notice: Late or missed payments can affect your business credit rating and may increase the overall cost of borrowing. If a loan is secured against property or other assets, they may be at risk if you do not keep up repayments.

Costs, Rates and Fees — What to Expect

• Rates vary by risk, security, loan type and term. Your broker or lender will provide indicative and final terms.
• Some lenders charge arrangement, documentation or valuation fees (where relevant). These will be disclosed before you agree anything.
• Fast Business Loans does not charge business owners/directors to use our enquiry and matching service. We may receive a commission from partners if you proceed.
• You can request a full cost breakdown, including any early settlement options.

Compare the market quickly — no obligation
– Free eligibility check in 2 minutes
– Matched to construction-savvy lenders/brokers
– No impact on your credit score to enquire
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Construction Funding vs. Alternatives — Choosing What Fits

• Overdrafts: Flexible but limits can be small; can be recalled and may require security.
• Business credit cards: Useful for small purchases; typically higher rates if not repaid monthly.
• Government schemes and grants: Occasionally available; niche criteria and slower timelines.
• Crowdfunding/peer-to-peer: Can suit some projects; variable timelines and investor appetite.

The “right” option depends on your use of funds, speed required, and total cost. A specialist broker can help you weigh up the choices.

Why Choose Fast Business Loans for Construction Finance

• Sector know-how: Partners experienced with CIS, applications, retentions and project-based cash flow.
• Speed and simplicity: One short form; fast responses.
• Wider panel, more choice: Increase your chances of finding a suitable option.
• Transparent and secure: No obligation to proceed; details shared only with relevant partners.
• Free for business owners/directors: You won’t pay us to be matched.

Looking for sector-specific guidance? Explore our resource on construction business loans to understand options and processes tailored to contractors and builders.

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Example Scenarios (Illustrative Only)

Specialist subcontractor bridging a delayed payment

A groundworks firm with a £180k application pending used a £50k revolving credit facility to cover labour and materials for 6 weeks, then cleared the balance when the main contractor paid.

Plant upgrade via asset finance

A civils contractor financed a £95k excavator over 5 years via hire purchase, aligning payments with monthly site income.

Developer funding a small-site refurb

An experienced SME developer funded a 9-month refurbishment with staged drawdowns and interest rolled up, exiting via sale.

Outcomes vary and are subject to lender assessment, status and affordability. These scenarios are not a recommendation.

Your Construction Finance Checklist

• Confirm what you need the funds for and how much
• Gather bank statements and management accounts
• Outline your pipeline and project timelines
• Prepare applications, retentions and debtor schedules
• Decide whether security or a personal guarantee is acceptable
• Complete our quick form to get matched with relevant partners

Free Eligibility Check

Frequently Asked Questions

Will my enquiry affect my credit score?

No. Submitting our enquiry form won’t affect your credit score. If you choose to proceed, partners may run credit checks.

Do you support start-up construction firms?

Some partners consider younger businesses. Lenders will look closely at your experience, contracts won, and projections.

Do you support CIS, stage billing and retentions?

Yes. We work with lenders and brokers who understand construction billing structures, certifications and retentions.

How fast can I get options?

You can usually expect initial contact within hours during business times, with indicative options shortly after once documents are reviewed.

Are facilities secured or unsecured?

Both exist. Unsecured often requires a personal guarantee. Secured facilities may be backed by assets or property. If borrowing is secured, the asset may be at risk if you do not keep up repayments.

What amounts and terms are available?

From £10,000 upwards for most products; larger secured and development facilities can extend to £5m+. Terms vary by product and status.

Do you charge me anything?

No, our service is free to use. We may receive a commission from partners if you proceed.

Are you a lender or financial adviser?

We are not a lender and we do not provide financial advice. We act as an introducer, connecting you with trusted brokers and lenders.

What information do I need to provide?

Basic business details, funding need and contact details initially. Lenders may request bank statements, accounts and project info.

Can I apply if I’ve been declined before?

Yes—different lenders have different criteria. Our wider panel can improve your chances of finding a suitable option.

Ready to explore your construction finance options?

1. Click “Start Your Enquiry”
2. Answer a few quick questions
3. Get matched to construction-savvy lenders and brokers
4. Compare and decide — no obligation

Start Your Enquiry |
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Fast Business Loans is a free-to-use business finance introducer. We do not offer financial advice. We connect UK businesses with trusted brokers and lenders who can offer finance directly. Your enquiry does not affect your credit score; partners may conduct credit checks if you choose to proceed. Finance is subject to status, affordability checks and approval. Late or missed payments can have serious consequences for your business. If a loan is secured against property or other assets, they may be at risk if you do not keep up repayments. We may receive a commission from partners if you proceed. All information on this page is intended to be fair, clear and not misleading. Always consider whether a product is suitable for your circumstances and seek independent advice if needed.