Construction Business Loans and Finance for UK Companies

Fast Business Loans connects UK construction companies to trusted lenders and brokers for asset, invoice, working capital, development and bridging finance. Free to use, no obligation, and a soft search where available. Minimum funding typically £10,000 and above.

• Match with specialist UK brokers/lenders who understand construction
• Options for equipment, invoices, staged projects, vehicles, and developments
• Fast response by phone or email after your enquiry

Get Quote Now (Free Eligibility Check) — Soft search where available. No obligation to proceed.

Summary (for quick readers and AI overviews): Construction business loans are funding solutions designed for UK construction companies to manage uneven cash flow, buy plant and vehicles, finance materials and labour, and support property developments. Fast Business Loans is not a lender; we introduce your business to suitable brokers and lenders for facilities such as asset finance, invoice finance (including applications for payment), contract and stage payment finance, working capital, bridging and development finance, and VAT loans. Finance is subject to status, affordability, and lender criteria; typical minimum from £10,000+. Your enquiry with us does not affect your credit score; providers may run credit checks if you proceed.

Who We Help in Construction

We support UK construction companies navigating lumpy cash flow: materials up front, labour weekly, staged valuations mid-project, and retentions at the end. Typical businesses include main contractors, limited company subcontractors, developers, specialist trades (M&E, scaffolding, groundworks, interiors/fit‑out), plant hire firms, modular/offsite builders, and housebuilders. If you’re a UK limited company or LLP seeking £10,000+ for equipment, payroll, materials, vehicles, or projects, we’ll connect you with partners who understand your work and contract structures.

Start your free eligibility check

What Is Construction Finance?

“Construction finance” covers a range of business funding used by UK construction companies to smooth cash flow and fund growth. Common options include unsecured or secured working capital loans, asset and equipment finance for plant and vehicles, invoice finance tailored to applications and certified stage invoices, contract/stage payment financing, development finance and bridging for property projects, VAT and tax funding, and refinance of owned assets.

Fast Business Loans is not a lender and does not provide financial advice. We act as an introducer, connecting your business with suitable UK brokers and lenders. Rates, terms and eligibility vary by lender and your circumstances. Approval is not guaranteed. All facilities are subject to status, affordability, and underwriting.

Types of Construction Funding We Can Help You Access

Different jobs, different funding. Choose what fits your cash cycle and project risk profile.

Asset and Equipment Finance

Fund excavators, telehandlers, cranes, dumpers, powered access, vans, tools, and IT. Structures include hire purchase, finance lease, operating lease, and refinance (raising capital against owned kit). Benefits include preserving working capital, spreading cost over the useful life, and aligning payments with seasonal profiles. Suitable for new and used assets, with potential balloons or seasonal schedules to align with your pipeline.

Related: Asset finance. Get started — tell us what plant you need.

Invoice Finance for Construction

Release cash from applications for payment, certified stage invoices, and longer terms with tier‑one contractors or clients. Options include factoring (with collections service), confidential invoice discounting, and selective/single‑invoice finance. Facilities can sit alongside retentions; some providers support JCT/NEC processes and certification. The aim: unlock cash tied in invoices to cover labour, materials, and mobilisation while you wait to be paid.

Learn more: Invoice finance for UK companies.

Contract/Stage Payment Finance

For projects billed in milestones or valuations, contract finance can advance a percentage of approved applications or expected stage payments. This aligns funding with project delivery, easing pressure across mobilisation, mid‑project peaks, and retention tails.

Development and Bridging Finance

For developers and contractors engaged in property projects. Uses include land acquisition, build costs, infrastructure, and finish‑and‑exit bridging to refinance onto term debt. Complexity and due diligence are higher; security is typically required. A specialist development broker is invaluable for structuring, drawdowns, and contingency planning.

Also see: Commercial finance.

Working Capital and Cash Flow Loans (Unsecured/Secured)

General-purpose business loans to bridge short-term gaps, fund materials, payroll, bid bonds, or new contract mobilisation. Terms vary by trading history, profitability, sector risk, and security available. Some lenders may request a personal guarantee; others secure on assets or debentures. Suitable for limited companies and LLPs seeking £10,000+.

VAT Loans and Tax Funding

Quarterly VAT can strain cash — especially with rapid growth or large material purchases. VAT loans and time-to-pay bridging can spread the cost, helping protect day-to-day liquidity and supplier relationships.

Vehicle and Fleet Finance

Finance for vans, trucks, and HGVs serving site logistics and deliveries. Structures include lease or HP, with optional maintenance packages. Spreading acquisition costs can free up cash for labour and materials when pipeline is strong.

Free Eligibility Check — get matched with specialist construction lenders.

How Our Matching Service Works

1. Complete a quick Enquiry Form (about 2 minutes).
2. We introduce you to selected UK brokers/lenders experienced in construction.
3. They contact you to discuss options, documents, and indicative terms.
4. Compare, decide, and fund — there’s no obligation to proceed.

Your enquiry with Fast Business Loans won’t affect your credit score. If you proceed, brokers/lenders may run credit checks to assess affordability and risk.

Start Your Enquiry

Typical Uses of Construction Finance

• Upfront materials and plant hire across multi‑site programmes
• Payroll for direct staff and limited-company subcontractors
• Managing retentions and delayed stage payments
• New equipment purchases or refinancing owned machinery
• Mobilisation costs for newly awarded frameworks or packages
• Bridging VAT and HMRC liabilities during peak periods

We connect hundreds of UK companies to construction-savvy brokers/lenders for these needs, aiming for clear terms and a smooth process.

Eligibility and What Lenders Consider

• Time trading and sector experience of directors and key managers
• Project pipeline, contracts, and payment terms (e.g., JCT/NEC)
• Credit profile of the company and directors
• Financials: bank statements, management accounts, aged debtor/creditor reports; project cash flow; where relevant, certification schedules
• Security available (assets, debenture, PGs) depending on product

Start‑ups structured as limited companies can sometimes access asset finance and certain working capital options, depending on deposits, experience, and contracts. Adverse credit may be considered by some lenders, though pricing and structure are likely to differ.

Talk to a specialist — Get Quote Now

Costs, Terms, and Risks — Know Before You Borrow

Pricing varies by product, risk, lender, term length, and security. Your matched broker/lender will provide personalised details for your review. Potential costs can include arrangement and documentation fees, valuation/legal fees (especially for development/bridging), and service/discount charges for invoice finance. Some products may require security or personal guarantees.

Risks: Missing or late payments can affect your business and director credit files and increase the overall cost. Secured borrowing may put assets at risk. Ensure the facility fits the project’s cash profile and contingency plans. Always read and understand key terms, fees, and covenants before signing.

We don’t make lending decisions or provide financial advice. We introduce you to brokers/lenders who will outline terms and risks so you can decide. Free Eligibility Check — compare options with no obligation

Why Use Fast Business Loans for Construction Funding?

• Quick, simple matching to construction‑savvy partners
• Wide panel improves fit and can increase chances of approval
• Free enquiry; no obligation to proceed
• We work with verified UK brokers/lenders who aim to treat customers fairly
• Your details are handled securely and only shared with relevant partners

Get Started — your 2-minute enquiry

Real‑World Scenarios We See

• A limited company subcontractor unlocks cash tied in 60‑day terms via construction‑aware invoice finance to meet weekly payroll and materials.
• A groundworks firm finances two excavators on HP with seasonal payments aligned to framework peaks, preserving cash for mobilisation.
• A developer secures staged development finance for land + build, then uses a finish‑and‑exit bridge before moving to term debt.

Illustrations only — not endorsements or guarantees. Every case is subject to status, affordability, and lender criteria.

FAQs: Construction Business Loans

Start Your Free Eligibility Check

Share a few details and we’ll connect you with construction‑savvy finance partners for a fast, no‑obligation quote by phone or email. Your details are handled securely and only shared with relevant partners. Get Quote Now • Start Your Enquiry • Free Eligibility Check

Helpful Links and Related Options

• Asset finance for plant and machinery
• Invoice finance for applications and stage invoices
• Commercial finance and property funding
• Sustainability business loans for greener kit and sites
• Small business loans for working capital (limited companies)

Looking specifically for construction business loans? Explore how we help UK firms access sector‑specific funding quickly.

Important information

• We are not a lender and we do not provide financial advice. We act as an introducer, connecting UK businesses with trusted brokers and lenders.
• Your enquiry with Fast Business Loans does not affect your credit score. If you proceed, brokers/lenders may conduct credit checks.
• Finance is subject to status, affordability, and lender criteria. Fees, rates, and terms vary by provider and your circumstances. Security or personal guarantees may be required for some products.
• Late or missed payments can affect your credit rating and may result in asset repossession for secured borrowing.
• No obligation to proceed after you’re matched. Our service is free for business owners/directors.

Last updated: 28 October 2025

– What is construction finance and how does it work?
Construction finance is funding for UK construction companies—covering asset/equipment, invoice (including applications/stage payments), working capital, development and bridging, VAT and vehicle finance—accessed via Fast Business Loans’ free matchmaking with specialist brokers and lenders.

– Who is eligible for a construction business loan in the UK?
Primarily UK limited companies and LLPs seeking £10,000+ are eligible, with lenders assessing time trading, contracts (e.g., JCT/NEC), financials, credit profile, experience, and affordability; some start-ups may qualify depending on deposits and track record.

– How quickly can I get funding?
Unsecured working capital and asset finance can complete in days once documents are ready, while development and bridging typically take longer due to valuations, QS reports, and legal work.

– Will submitting an enquiry affect my credit score?
No—your enquiry with Fast Business Loans doesn’t affect your credit score, though brokers/lenders may run credit checks if you proceed.

– What types of construction funding can I access?
Options include asset and equipment finance, invoice finance tailored to applications and certified stage invoices (JCT/NEC), contract/stage payment finance, unsecured/secured working capital, development and bridging, VAT loans, and vehicle/fleet finance.

– How does Fast Business Loans work?
Complete a quick form, get matched to construction‑savvy UK brokers/lenders, discuss indicative terms by phone or email, and decide with no obligation to proceed.

– How much can I borrow, and what’s the minimum?
Minimum funding is typically £10,000+, while the maximum depends on product type, turnover, security, and project details—your matched broker/lender will confirm indicative ranges.

– What documents will lenders usually require?
Expect basic company details, 3–6 months bank statements, management accounts, aged debtor/creditor reports, contracts or pipeline, ID/KYC, and for development/bridging, valuations, QS/budgets, and legal documents.

– What fees and costs should I expect?
Our enquiry is free, while lenders may charge arrangement/documentation fees, valuation/legal costs (for property finance), and service or discount charges for invoice finance, with rates and terms subject to your risk profile.

– Do I need security or a personal guarantee?
It depends on the product—some loans are unsecured but may require a personal guarantee, while development, bridging, and certain asset facilities are typically secured against assets or a debenture.