Construction Business Loans and Finance

Payment applications, retentions, material cost swings and long mobilisation cycles make cash flow tight in construction. Fast Business Loans connects UK construction companies with trusted lenders and brokers who understand the sector—fast, free and with no obligation.

Get Started — Takes under 2 minutes. No obligation. Enquiry won’t affect your credit score.

In short: We don’t lend money or give financial advice. We listen to what you need, then introduce you to suitable UK lenders/brokers for construction finance (from £10,000+). Options may include working capital, invoice finance against applications/certificates, asset and plant finance, fleet finance, bridging and development funding—subject to status. You compare, choose, or walk away. Free eligibility check.

Why Construction Businesses Use Finance

Construction cash flow is unique. Materials are often paid up front, but revenues arrive on certification or stage completion. CIS deductions and retentions hold back cash. Larger projects require mobilisation spend on plant, site setup and labour before the first payment hits. Supply-chain terms can be long—especially for subcontractors—while price volatility demands agility.

Using finance can help to:

• Cover payroll and subcontractors while waiting on applications or payment certificates
• Fund materials and plant without straining working capital
• Smooth gaps created by retentions and seasonal lulls
• Take on additional or larger packages without turning work away

Free Eligibility Check

What Is Construction Finance?

Construction finance is a broad term for funding solutions tailored to contractors, subcontractors, trades and developers. It includes working capital loans, invoice finance against applications/certificates, asset and plant finance, vehicle and fleet finance, short-term bridging and structured property development funding.

Fast Business Loans is not a lender and does not provide financial advice. We introduce UK businesses to selected lenders and brokers with construction experience. Submit a short enquiry (not a loan application) and, if matched, a partner will contact you directly to discuss options. There’s no obligation to proceed.

For sector detail, see our in-depth guide to construction business loans.

Types of Construction Finance We Can Connect You With

Working Capital and Cashflow Loans

• Unsecured or secured facilities that may help cover payroll, materials, mobilisation and overheads
• Flexible use of funds; terms and amounts vary by profile and security—subject to status
• Consider speed and flexibility versus affordability and any security or guarantees requested

Construction Invoice Finance (Applications/Certificates)

• Unlock cash tied up in applications for payment and certified invoices
• Specialist providers familiar with JCT/NEC contracts, stage billing and retentions
• Useful for main contractors and subcontractors; requires clear documentation and good debtor quality
• Learn more about invoice finance for construction

Asset and Equipment Finance (Hire Purchase, Lease)

• Fund plant, tools, vehicles and machinery—new or used
• Spread cost over asset life to preserve cash and align outgoings with usage
• Consider maintenance, insurance and residual value at term end
• Explore asset and equipment finance

Vehicle and Fleet Finance

• Finance vans, pickups, HGVs and specialist vehicles
• Potentially lower upfront costs and predictable monthly outgoings
• See vehicle & fleet finance

Bridging Finance

• Short-term secured funding for time-sensitive opportunities or cash flow gaps
• Clear exit (refinance, sale or incoming facility) is essential

Property Development Finance (Builders/Developers)

• Ground-up, conversion and refurbishment projects
• Funds typically released in drawdowns against valuations
• Robust schedule, cost plan and GDV are key
• Discover development finance for builders/developers

Trade Finance and Supplier Finance

• Help purchase bulk materials or pay suppliers earlier
• May include letters of credit or structured supplier payments

Refinance and Consolidation

• Restructure existing borrowing to improve monthly cash flow
• Potential to consolidate multiple facilities—subject to status and costs

Get Your No-Obligation Quote

Who We Help

We commonly introduce the following UK businesses (typically funding £10,000+):

• Limited companies and LLPs: main contractors, subcontractors and specialist trades (M&E, civils, groundworks, roofing, joinery, plumbing, electrical, fit-out)
• Plant hire, scaffolding, engineering and building services firms
• Builders and developers—newly incorporated and established firms

Been declined elsewhere? You may still be eligible through a different provider on our panel—criteria vary by lender.

Start Your Enquiry

How Our Free Matching Service Works

1. Complete a quick form (under 2 minutes) with basic details and the amount you’re seeking.
2. We match you with suitable UK lenders/brokers who understand construction.
3. Expect a rapid response by phone/email to discuss options.
4. Compare and decide. No obligation to proceed.

We don’t run a hard search. Credit checks may be performed by providers if you choose to proceed.

Eligibility, Documents and What Lenders May Look For

Requirements vary by provider and product. As a general guide, you may be asked for:

• Basic business details, contact info, purpose of finance and amount requested
• 3–6 months of business bank statements; latest accounts or management information
• Contracts, purchase orders, applications for payment, payment certificates
• Aged debtor/creditor reports, pipeline, cash flow forecasts
• VAT/CIS details where relevant
• For development: site info, planning status, schedule, build costs, GDV, experience and exit plan
• Security and personal guarantees may be requested depending on product and profile

Costs, Terms and Risks: What to Expect

• Costs vary by product type, risk, security, term and business profile.
• You’ll receive an individualised quote from the matched lender/broker before you decide.
• Fees may apply (e.g., broker or arrangement fees, valuation/legal fees for property-backed facilities). Providers will disclose these before you proceed.
• Borrowing carries risk. Consider affordability, the impact of interest and fees, and any security or guarantees. Independent professional advice may be appropriate.

Free Eligibility Check

Why Choose Fast Business Loans

• Sector-aware matching: partners who understand JCT/NEC, certifications, retentions and stage billing
• Save time: we connect you quickly to suitable lenders/brokers
• Free to use and no pressure to proceed
• Privacy-first: your details are handled securely and shared only to help with your request
• Typical funding via partners from £10,000 to £5,000,000+ (subject to status and product)
• Learn more about how Fast Business Loans works

Realistic Scenarios We See (Illustrative Only)

• Bridging a 60-day cycle: A subcontractor awaits certification and 60-day terms. An invoice finance line against applications/certificates helps cover payroll and materials pending payment.
• Plant upgrade for a civils package: A groundworks firm finances a used excavator and rollers via asset finance to meet a new contract’s specs while preserving cash.
• Small residential scheme: A developer arranges staged development finance, drawing in tranches against QS valuations with a clear exit via unit sales or refinance.

Outcomes depend on individual circumstances. Get Quote Now

FAQs: Construction Business Finance

1) Do you lend money directly?

No. Fast Business Loans is not a lender and does not provide financial advice. We connect you with UK brokers and lenders who can lend directly. Our service is free and there’s no obligation to proceed.

2) Will my enquiry affect my credit score?

No. Completing our enquiry form will not affect your credit score. If you choose to proceed with an offer, the relevant lender or broker may perform credit checks.

3) What loan amounts and terms are available?

Our partners commonly support facilities from around £10,000 up to £5 million+ depending on circumstances, product type and security. Terms vary by product and profile, and are subject to status.

4) Can start-ups or subcontractors apply?

Yes—many partners support newly incorporated limited companies and subcontractors operating via limited companies or LLPs, including with asset finance or construction invoice finance. Suitability depends on your circumstances and the provider’s criteria.

5) What if I’ve been declined elsewhere?

You may still be eligible through another lender on our panel—different providers have different criteria.

6) What documents will I need?

Common documents include recent business bank statements, accounts or management information, contracts or applications for payment, payment certificates, and identification. Your matched provider will confirm specifics.

7) How fast can funding happen?

Timelines vary by product and complexity. Some working capital or asset finance options can be relatively quick; property-backed or development facilities typically take longer due to valuations and legal work.

8) Are there any fees?

Some products may involve broker fees, arrangement fees, valuation or legal costs. Your matched provider will disclose any fees and total costs before you decide to proceed.

Related options: sustainability loans for building upgrades.

Our Commitment to Transparency and Compliance

• We’re not a lender and we don’t provide financial advice.
• We act as an introducer to UK brokers and lenders.
• All communications aim to be clear, fair and not misleading.
• No guarantees of approval; all funding is subject to status and affordability checks.
• You should consider independent professional advice where appropriate.
• We may receive a commission from partners if you proceed; this does not affect the price you pay.

Ready to Explore Your Options?

Tell us what you need, and we’ll match you with construction finance providers quickly. Simple form. No obligation.

Start Your Enquiry | Get Quote Now | Free Eligibility Check

Fast Business Loans is an introducer, not a lender. We do not offer financial advice. We introduce UK businesses to selected brokers and lenders who may be able to help. Eligibility, rates and fees depend on your circumstances and the product type, and are subject to status and affordability assessments. Completing our enquiry form does not affect your credit score; however, credit checks may be performed by lenders or brokers if you choose to proceed. There is no obligation to accept any offer. We may receive a commission from our partners if you proceed. All promotions are intended to be clear, fair and not misleading.

1) What is construction business finance? — Funding tailored for UK contractors, subcontractors and developers, including working capital loans, construction invoice finance against applications/payment certificates, asset and plant finance, fleet, bridging and property development finance to smooth cash flow for materials, payroll and mobilisation.

2) How does Fast Business Loans work for construction companies? — You complete a short enquiry (not a loan application), we match you with suitable UK lenders/brokers who understand JCT/NEC and construction cash flow, and you compare options with no obligation.

3) Are you a lender or financial adviser? — No, we are an introducer that connects you to UK lenders and brokers and we do not provide financial advice.

4) Will submitting an enquiry affect my credit score? — No, your enquiry won’t affect your credit score, though providers may run credit checks if you decide to proceed with an offer.

5) What loan amounts and terms are available for construction firms? — Our partners typically offer £10,000 to £5,000,000+ on secured or unsecured bases, with terms varying by product, risk and security, subject to status and affordability.

6) How quickly can construction finance be arranged? — Some working capital, asset or invoice finance can complete relatively quickly, while bridging and development funding usually take longer due to valuations and legal work.

7) What documents do lenders usually ask for? — Expect recent business bank statements, accounts/MI, contracts or applications for payment and certificates, aged debtor/creditor reports, ID, and for development deals, details like planning, build costs, GDV and exit.

8) Can start-ups or subcontractors affected by CIS and retentions apply? — Yes, many partners support newly incorporated limited companies and subcontractors, including those impacted by CIS deductions and retentions, subject to provider criteria.

9) Can you help if I’ve been declined elsewhere? — Often yes, because different lenders on our panel have different criteria and may still consider your case.

10) What costs and fees should I expect? — Pricing depends on product and profile and may include interest plus broker, arrangement, valuation and legal fees, all disclosed before you decide to proceed.