Construction Business Loans: Fast Funding for UK Builders, Contractors and Trades

Materials, labour and plant rarely line up with client payments. If you’re waiting 30–90 days on a valuation or pay run, cash flow can tighten fast — even on profitable jobs. Fast Business Loans connects UK construction firms with lenders and brokers who understand your sector and can move quickly. Our service is free to use, there’s no obligation, and your initial enquiry won’t affect your credit score.

• No lender bias — we’re an introducer, not a lender or financial adviser
• Construction sector know‑how, from JCT applications to retentions
• Enquiry in under 2 minutes; partners may run checks only if you proceed

Get Your Free Eligibility Check — it takes less than 2 minutes.

Summary: Need working capital, asset finance, invoice finance, bridging or development funding for your construction business? Tell us about your company and project in minutes. We’ll introduce you to suitable UK lenders/brokers who understand staged payments, retentions and valuations. Compare options with no obligation and typically £10,000+ facilities.

Table of Contents

1. How Our Free Matching Service Works
2. Construction Finance Options We Can Help You Access
3. Typical Use Cases on Site and Across Your Projects
4. Who Can Apply and What Lenders Assess
5. Costs and Terms — What to Expect
6. Why Construction Firms Choose Fast Business Loans
7. Example Funding Scenarios (Illustrative)
8. Construction Finance FAQs
9. Transparent, Compliant and User‑First
10. Ready to Explore Your Options?

How Our Free Matching Service Works

1. Share basics about your business, contracts and funding need (about 2 minutes).
2. We match you with UK brokers/lenders who specialise in construction finance.
3. Expect a quick call or email to explore realistic options for your situation.
4. Compare, decide and fund — you’re under no obligation to proceed.

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Construction Finance Options We Can Help You Access

Different sites, stages and contracts need different tools. Our partners can help with:

Working Capital and Cash Flow Loans

Short to medium‑term funding to cover wage runs, prelims, materials and timing gaps between valuations and payment. See also our page on Working capital and cash flow loans.

Invoice Finance for Construction (including applications for payment)

Unlock cash tied up in unpaid invoices or approved applications/interim certificates. Facilities can flex around main contractor cycles and retentions. Explore Invoice finance for construction.

Asset and Equipment Finance (plant, machinery, vehicles)

Acquire or lease diggers, cranes, tools, vans and HGVs — new or used — with repayments aligned to expected utilisation. Learn more: Plant, machinery and vehicle finance.

Refinance and Asset Refinance

Release equity from owned equipment to fund live projects, consolidate costs or extend runways during slow pay cycles.

Bridging and Development Finance

Short‑term funding for site acquisitions, refurbishments and ground‑up builds, typically repaid via sale or refinance once the project reaches agreed milestones.

Fit‑Out and Refurbishment Finance

Staged or lump‑sum funding for commercial fit‑outs, extensions and site upgrades where payments may be backloaded.

VAT and Tax Funding

Smooth out VAT spikes on large material orders or staged draws without straining working capital.

Trade and Import Finance

Support bulk materials purchases, supplier terms and logistics.

Terms, rates and availability vary by provider and your circumstances. For sector context, see our guide to construction business loans.

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Typical Use Cases on Site and Across Your Projects

• Bridge 60–90 day gaps between interim valuations and payment
• Ramp up labour and plant after a new contract award
• Buy or lease additional machinery for a multi‑site programme
• Secure supplier early‑payment discounts to protect margin
• Smooth seasonal dips or weather‑related delays
• Fund fit‑out, extension or refurbishment phases where client payments are backloaded
• Bridge timing between acquisition, planning consent and development finance

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Who Can Apply and What Lenders Assess

We introduce finance options for UK limited companies and LLPs seeking facilities from £10,000 upwards.

Lenders typically review:

• Time trading and contract profile (startups through established firms — criteria vary)
• Turnover, margin trends, work‑in‑progress and pipeline visibility
• Contract type (e.g., JCT/NEC), counterparties, retention terms and payment history
• Credit history and affordability; any available security (if secured)
• For asset finance: asset type, age and value
• For invoice finance: debtor quality/aging and certifications

Documents commonly requested:

• Director ID and proof of address
• 3–6 months’ business bank statements
• Latest statutory/management accounts
• Key contract details, valuation/application schedule
• Asset quotes/specs where relevant

Even if you’ve been declined elsewhere, a sector‑specialist broker may find a more suitable fit on our panel.

Get Matched to a Construction Finance Specialist

Costs and Terms — What to Expect

Pricing depends on facility type, security, risk profile and term length. Typical term ranges:

• Working capital loans: months to a few years
• Asset finance: aligned to the useful life of the asset
• Invoice finance: revolving, ongoing
• Bridging/development: short‑term until exit/refinance

Fees may include arrangement, documentation, valuation (for property/plant), drawdown and, where applicable, early‑repayment charges. Interest may be fixed or variable, quoted as APR, flat rate or margin over base.

Responsible borrowing matters:

• Borrow only what your business can afford to repay
• Compare total cost of finance, not just headline rates
• Understand security and personal guarantee implications before proceeding

Submitting an enquiry to us won’t impact your credit score. If you proceed, partners may conduct credit checks and will explain this before any search.

Compare Options — Free, No Obligation

Why Construction Firms Choose Fast Business Loans

• Sector‑specialist panel: partners who understand staged payments, retentions and site realities
• Speed: quick eligibility checks and fast responses during business hours
• No obligation: introductions only — you decide whether to proceed
• Transparent and secure: details shared only with relevant partners for your request
• Free to use: no cost to be matched

We’re an introducer — not a lender and not financial advisers.

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Example Funding Scenarios (Illustrative Only)

• Bridging a 60‑day gap: A steelwork firm used construction‑aware invoice finance against approved applications for payment to meet payroll and materials while waiting for the main contractor cycle.
• Multi‑site equipment upgrade: A regional builder acquired additional excavators via asset finance, timing repayments to match utilisation and milestone receipts.
• Developer short‑term need: A small developer used bridging finance for site acquisition pending planning, then shifted to development finance post‑approval.

These examples are illustrative; terms and outcomes vary by lender and your business profile. No offer is implied.

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Construction Finance FAQs

Are you a lender?

No. Fast Business Loans is a free UK introducer. We connect businesses with trusted brokers and lenders who can help you explore suitable solutions.

Will my enquiry affect my credit score?

No. Submitting our form won’t affect your credit score. If you proceed, partners may carry out credit checks with your consent and will explain the process first.

What loan amounts are available?

Our partners typically support from £10,000 to multi‑million facilities, depending on product type, turnover, contracts and affordability.

Do you support newly formed construction companies?

Yes, limited companies and LLPs can be considered subject to criteria. Strong contracts, experience and a clear plan can help.

Do I need security or a personal guarantee?

Some facilities are secured (e.g., property or assets). Others may be unsecured but can require a personal guarantee. Your broker/lender will explain requirements.

How quickly can funding be arranged?

Simple working capital or invoice facilities may move quickly once documents are in order. Property and development transactions usually take longer due to due diligence.

What information will I need to provide?

Basic business details, funding need and contact info initially. If you proceed, expect standard documents such as bank statements, accounts and contract details.

Is there any obligation to proceed after I’m matched?

No. You choose whether to proceed with any offer.

Get Started — Free Eligibility Check

Transparent, Compliant and User‑First

• Clear, fair, not misleading: information designed to help you make an informed decision
• Introducer only: we do not lend or provide financial advice
• Responsible borrowing: always consider affordability and total cost
• Privacy: your details are handled securely and shared only with relevant partners for your request

Start Your Enquiry (No Credit Impact)

Ready to Explore Your Construction Finance Options?

• 2‑minute form
• No obligation
• Fast response
• Tailored to your contracts and cash flow

Get Started ·
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About Fast Business Loans
Fast Business Loans is a free UK introducer service connecting businesses with trusted finance brokers and lenders for working capital, invoice finance, asset finance, bridging and development funding. We do not lend or provide financial advice.

Reviewed by the Fast Business Loans Content Team. We’ve helped connect thousands of UK SMEs with specialist brokers and lenders. Last updated: October 2025.

– What is a construction business loan and how does it help cash flow?
A construction business loan provides working capital to UK builders and contractors to cover materials, labour and plant during gaps between interim valuations and client payments.

– How does Fast Business Loans’ free matching service work?
Complete a 2‑minute enquiry and we’ll introduce you to UK construction‑specialist brokers and lenders so you can compare options with no obligation.

– Is Fast Business Loans a lender?
No—Fast Business Loans is a free UK introducer that connects you with trusted finance brokers and lenders.

– Is the enquiry a loan application or a credit check?
No—it’s an initial eligibility enquiry that won’t affect your credit score, and any checks only happen if you choose to proceed with a partner.

– What types of construction finance can I access?
Options include working capital loans, construction invoice finance (including applications for payment), asset and equipment finance, refinance, bridging and development finance, fit‑out funding, VAT funding and trade/import finance.

– How much can I borrow and what are typical terms?
Our partners typically fund from £10,000 to multi‑million facilities with terms ranging from a few months to several years depending on product, risk and security.

– Who is eligible to apply?
UK limited companies and LLPs—from start‑ups to established firms—can be considered, with assessment based on contracts, turnover, WIP/pipeline, debtor quality and credit profile.

– How quickly can funding be arranged?
Simple working capital or invoice finance can complete in days once documents are ready, while property, bridging and development deals usually take longer due to due diligence.

– Do I need security or a personal guarantee?
Some facilities are secured against assets or property, and unsecured options may still require a director’s personal guarantee—your broker will explain what applies.

– What will it cost and how are rates structured?
Pricing varies by facility, security and risk, with interest quoted as APR/flat rate or margin over base plus possible arrangement, documentation, valuation and drawdown fees, so always compare total cost.