Building Services Business Loans & Finance (UK)
Summary: Fast Business Loans connects UK building services companies with lenders and brokers who specialise in M&E, HVAC, facilities management and related trades. We do not lend directly — we match businesses to the most suitable finance providers for working capital, contract finance, invoice finance, asset and sustainability funding. Completing our short enquiry is a soft, no‑obligation step that helps us find the right partners for your needs. Get Started – Free Eligibility Check
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Get Started – Free Eligibility Check
Why building services firms seek specialist finance
Building services businesses—including mechanical & electrical (M&E) contractors, HVAC specialists, access and lift engineers, facilities managers and refurbishment teams—face project-driven cashflow challenges. Common pressures include:
- Large upfront material and labour costs when mobilisation starts.
- Payment timing mismatches: stage payments, retentions and certification delays.
- Seasonal peaks, payroll and sub‑contractor payments (including CIS implications).
- Need to replace or add vans, plant and access equipment quickly.
- Investments in sustainability work (heat pumps, EV chargers, low-carbon upgrades).
Specialist lenders and brokers understand these sector dynamics and can tailor facilities to suit contract cycles and retention schedules. Fast Business Loans does not make lending decisions—we simply introduce you to the providers most likely to understand and approve your request.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
How Fast Business Loans works for building services companies
We make the search for finance faster and less time-consuming. Our process is simple and transparent:
Quick enquiry
Complete a short form (takes about two minutes). This is an enquiry only — not an application.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Smart matching
We share your details with selected lenders and brokers that specialise in building services and construction finance so you receive targeted responses.
Speak to specialists
A matched broker or lender will contact you to discuss options and next steps.
Compare & choose (no obligation)
Review offers and pick the solution that fits your business. A soft enquiry does not affect your business credit file; lenders may request credit checks later if you decide to proceed.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Finance solutions matched to building services needs
Our partners provide a range of products commonly used by building services firms. Below are typical options and how they help:
Working capital & short-term cashflow loans
Designed to bridge gaps between invoices, fund materials and payroll, or cover unexpected costs. Available as unsecured or secured facilities depending on size and credit profile.
Contract finance & stage payment support
Facilities that mirror contract stages so you can mobilise contracts without straining cashflow. Useful for mobilisation fees, supplier deposits and to reduce reliance on directors’ funds.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Invoice finance
Release cash tied up in certified invoices. Ideal where payment certification is fast but payment from the buyer is slow, or where part-payments/retentions create liquidity pressure.
Asset & equipment finance
Purchase or lease vans, access platforms, compressors, tools and other plant without a large upfront capital outlay. Structured terms help preserve working capital.
Sustainability & energy upgrade funding
Funding for heat-pump installs, solar PV, EV chargepoints and other energy-efficient measures. Many lenders offer specialist packages for green upgrades and public-sector framework work.
Rates, fees and terms are set by individual lenders. Eligibility is assessed by those lenders; Fast Business Loans simply connects you to the most relevant providers.
“Fast Business Loans matched us with a broker who understood M&E contracting within hours.” — HVAC contractor, South East
Eligibility snapshot
While requirements vary by lender and product, typical criteria include:
- Minimum facility size: usually from £10,000 upwards.
- Established trading history (varies by lender—some partners consider well‑documented turnovers and director experience over strict company age).
- Turnover, profitability and cashflow forecasts or management accounts.
- Details of contracts, retentions, and payment terms.
When you submit an enquiry we ask for the key facts so we can make accurate introductions. An enquiry is not a formal application and does not commit you to anything.
What to consider before applying
Forecast project cashflow
Prepare a short pipeline schedule showing contract values, expected stage payments and retention amounts. Scenario planning helps your adviser identify the best facility.
Review existing debt & retentions
Know current borrowing, upcoming repayments and how retentions are held or released. These details affect lender appetite and terms.
Sustainability & public-sector requirements
If you work on public‑sector contracts or frameworks, lenders may want to know ESG or compliance credentials. Having basic evidence ready can speed approval.
Tip: keep key documents to hand—recent bank statements, management accounts, contract confirmations and ID for directors—so quotes can be produced quickly.
Costs, terms & responsible borrowing
Costs vary significantly between lenders and products. Expect to see:
- Interest rates (fixed or variable) — lenders set these based on risk and product type.
- Arrangement or facility fees, which may be payable upfront or capitalised.
- Security requirements — some facilities are unsecured while others ask for charges over assets or property.
Fast Business Loans does not charge applicants. We encourage responsible borrowing: only take facilities that match your cashflow forecasts and speak to your accountant or adviser if unsure.
Case snapshots (illustrative only)
Scenario 1 — HVAC contractor
Requirement: £250,000 revolving facility to manage retentions and multiple project pipelines. Outcome: introduced to a broker offering a hybrid invoice/contract finance facility tied to certified invoices and stage payments.
Scenario 2 — Access equipment purchase
Requirement: £90,000 for a new access platform. Outcome: asset finance with 10% deposit and fixed monthly payments aligned to equipment life.
Examples are illustrative. Actual terms and approvals depend on lender assessment.
Why building services firms choose Fast Business Loans
- Sector expertise — we match you with providers who understand M&E, HVAC and facilities work.
- Speed — many matches and initial contacts happen the same day.
- No obligation — submitting an enquiry is free and does not commit you to any lender.
- Privacy — we share your details only with selected partners relevant to your request.
Building Services Finance — Frequently Asked Questions
Can you help if my project includes CIS subcontractors?
Yes. Tell us about your subcontractor arrangements on the enquiry and we’ll match you to lenders experienced with CIS and construction payment flows.
Will an enquiry affect my business credit score?
No. Completing the Fast Business Loans enquiry form does not trigger a hard credit search. Matched lenders may request credit checks later if you choose to proceed.
Do lenders require director guarantees?
Sometimes. Guarantees and security are product- and lender-dependent. Your matched broker will explain any security requirements before you commit.
What if I need funding to cover retention release delays?
Specialist contract and invoice finance solutions can bridge retention gaps. Include retention amounts and expected release dates in your enquiry for better matches.
Can newly formed building services companies access finance?
Possibly. Some partners consider director experience, contracts in hand and robust forecasts. Provide as much detail as possible in your enquiry.
How quickly can funds reach my account?
Timing varies. Short-term working capital can sometimes complete in 24–72 hours after documentation is supplied; asset and contract finance often take longer.
Disclosure & next steps
Fast Business Loans is an introducer that connects businesses with lenders and brokers. Completing our enquiry is not an application and does not obligate you to proceed. Details you supply are shared securely with selected partners to provide accurate quotes. Rates, fees and lending decisions are made by the lender or broker. Consider seeking independent financial or accounting advice where appropriate.
Ready to explore options? Complete our short form and we will match you with lenders and brokers who understand building services finance and can provide tailored quotes.
Start Your Free Eligibility Check
Further reading: see our industry guide to building services business loans for more sector-specific information.
Last updated: 30 October 2025
– What finance options are available for building services companies (M&E, HVAC, facilities management)? — We match UK firms to lenders offering working capital, contract and stage payment finance, invoice finance, asset and equipment finance, and sustainability funding.
– How does Fast Business Loans work for construction and building services finance? — You complete a quick, free enquiry and we introduce you to specialist UK lenders and brokers who discuss tailored options with no obligation to proceed.
– Will submitting the enquiry affect my business credit score? — No, it’s a soft, non-application step that won’t impact your credit file, though lenders may run checks if you choose to apply.
– How quickly can funding be arranged for contractors? — With documents ready, short-term working capital can complete in 24–72 hours, while asset and contract finance typically take longer.
– Can you match lenders who understand CIS subcontractors, stage payments and retentions? — Yes, we connect you with providers experienced in construction cashflows, CIS, certification, stage payments and retention release.
– What are the typical eligibility criteria and minimum loan size? — Many partners consider established UK firms from around £10,000+, assessing turnover, trading history, contracts and forecasts.
– Do lenders require personal guarantees or security for building services loans? — It depends on the product and risk profile, with some unsecured options available and others requiring director guarantees or asset security.
– Can start-ups or newly formed M&E/HVAC firms get funding? — Potentially, as some lenders consider director experience, contracts in hand and robust cashflow forecasts even for newer companies.
– What documents will help me get matched and approved faster? — Recent bank statements, management accounts, contract details (including payment terms and retentions), director ID and a simple cashflow/pipeline plan speed things up.
– Do you charge any fees and what will the finance cost? — Our matching service is free and no-obligation, while rates, fees and terms are set by the lender based on the facility and risk.