Construction Business Loans – Fast Funding for UK Contractors, Developers and Trades

Quick summary: Need finance for materials, payroll, plant or a new site? Fast Business Loans connects UK construction companies (Ltd/LLP) with trusted lenders and brokers for working capital, invoice finance, plant and equipment, bridging and development funding. It’s free to enquire, takes under two minutes, and there’s no obligation to proceed. Submitting an enquiry with us won’t affect your credit score; if you move forward, partners may run checks.

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What Are Construction Business Loans?

Construction business finance refers to funding used by contractors, developers and specialist trades to manage cash flow, buy materials, pay subcontractors and payroll, hire plant, bridge staged payments and retentions, and acquire equipment or vehicles. Facilities can be short-term, revolving or multi-year depending on purpose and security.

Fast Business Loans is not a lender and does not provide financial advice. We’re a free-to-use introducer. Tell us what you need and we’ll match your company with suitable UK brokers and lenders who understand construction contracts, A2Ps, CIS and project timelines.

For a sector deep dive, see our guide to construction business loans.

Types of Construction Finance We Can Connect You With

Working Capital and Cash Flow Loans

• Use for materials, labour, prelims, utilities, insurance, mobilising new contracts and bridging JCT milestones.
• Unsecured or secured subject to status; flexible terms; decisions can be fast when information is complete.
• Typical enquiries start from £10,000+.

Invoice Finance (Including Construction-Informed Facilities)

• Unlock cash tied up in applications for payment, staged invoices and certified works.
• Selective or whole turnover; may support CIS circumstances; improves ongoing liquidity as certifications are approved.
• Can integrate with project payment cycles to reduce strain.

Asset and Equipment Finance (Plant, Machinery, Vehicles)

• Fund excavators, cranes, MEWPs, generators, telehandlers, tools, modular units.
• Hire purchase, finance lease or refinance owned assets to release cash.
• Spread costs over the productive life of the asset.

Bridging and Short-Term Property Finance

• Site acquisition, pre-planning, refurbishments and rapid opportunities.
• Short terms; property-backed; speed subject to valuation and legal work.
• Useful where completion timelines are tight.

Property Development Finance

• Ground-up builds, conversions, phased schemes, build-to-sell or rent.
• Fund against land and build costs; staged drawdowns aligned to progress.
• Specialist lenders assess GDV, experience and contingency.

Contract/Trade Finance and Materials Finance

• Purchase materials upfront at better terms; support supplier payments.
• Revolving facilities aligned to contract schedules and procurement plans.

Vehicle Finance and Fleet Upgrades

• Vans, pickups, trucks and low-emission upgrades.
• Lease or purchase options to plan cash flow and modernise your fleet.

Unsure which finance fits your project? Tell us about your works, contracts and timelines and we’ll connect you to partners who understand construction.

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Who We Help in the Construction Sector

• Main contractors and principal contractors delivering commercial, industrial and residential schemes.
• Subcontractors and building services firms (M&E, roofing, glazing, civils, scaffolding, groundworks, joinery, decorating, plastering and more).
• Housebuilders, SME developers and property investors.
• Plant hire and specialist equipment businesses.
• Fit-out and refurbishment specialists.
• Engineering, civils and infrastructure businesses.

How Fast Business Loans Works

1. Complete a quick enquiry (under 2 minutes) with basic business and funding details.
2. We match you with selected lenders/brokers suited to your trade, contract type and funding requirement.
3. Receive a fast response to discuss options, documentation and next steps.
4. Compare and decide—no pressure and no obligation to proceed.

We’re not a lender and we don’t provide financial advice. We introduce you to finance professionals who can present options for your consideration.

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Eligibility and Documents: What Lenders Typically Look For

• Trading profile: UK limited companies and LLPs—from new entities to established SMEs. Some products may require a minimum trading history.
• Contracts pipeline: Copies of contracts, schedules of works, A2P history and references can help demonstrate demand and delivery capacity.
• Financials: Recent bank statements (3–12 months), management accounts or filed accounts, VAT returns (if applicable).
• Security and guarantees: Depending on product and risk, personal guarantees, debentures or asset/property security may be requested.
• Credit profile: Previous credit events don’t always exclude you. Specialist partners consider context, contracts and mitigants.
• Sector nuances: Lenders familiar with staged payments, retentions, variations and RDDs can structure facilities around your contract mechanics.

Cost, Terms and Risk: What to Expect

Costs vary by product type (e.g., unsecured working capital vs. asset-backed finance), facility size, term length, credit profile and available security. Lenders may charge arrangement, valuation, legal or drawdown fees depending on the facility. Repayments can be short-term (e.g., bridging) or multi‑year (e.g., HP/leases), while invoice finance typically operates as an ongoing revolving facility.

We don’t quote or guarantee rates. Your broker or lender will explain all costs, terms and fees before you decide. There’s no obligation to proceed, and you should only borrow what you can afford to repay.

Common Use Cases for Construction Funding

• Buying materials at scale to secure pricing and availability.
• Meeting payroll and subcontractor/CIS payments on time.
• Bridging slow client payments or delayed certificates.
• Mobilising new projects (insurance, bonds and prelims).
• Plant/machinery acquisition or mid-project upgrades.
• Vehicle/fleet additions and ULEZ-compliant replacements.
• Covering retentions or seasonal lulls.
• Site acquisition and development phases (subject to status).

Need funds for materials, payroll or a new project? Share your requirements and get connected quickly.

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Speed: How Quickly Can Funding Be Arranged?

• Working capital loans: Sometimes 24–72 hours from complete application, subject to status.
• Invoice finance: Initial setup can take days to a couple of weeks; subsequent funding is fast once verification is in place.
• Asset/vehicle finance: Often quick with supplier details and documents ready.
• Bridging/development: Heavily dependent on valuation and legals; specialist teams can move quickly when information is complete.

Tip: Respond promptly and have bank statements, accounts and contract details ready to accelerate decisions.

Pros and Considerations

Pros

• Smoother cash flow between applications for payment and certifications.
• Confidence to accept larger or multiple projects concurrently.
• Preserve working capital; spread the cost of plant and vehicles.
• Facilities tailored to construction contract mechanics.

Considerations

• Borrowing costs and fees apply—assess affordability carefully.
• Security or personal guarantees may be required.
• Terms and availability depend on status, documentation and sector conditions.

Alternatives and Complementary Options

• Local grants or growth funds (availability varies by region; check your local authority).
• Government-backed schemes (availability changes; check current GOV.UK guidance).
• Improved supplier credit terms or staged payment plans.
• Leasing vs. buying plant and vehicles.
• Equity or JV partners for development projects.

Tell us your goals, and we can introduce you to brokers who explore a mix of solutions, not just one product.

Example Scenario (Illustrative)

A Midlands scaffolding contractor needed £150k for materials and payroll to mobilise two new commercial sites while a certificate was delayed. Introduced via Fast Business Loans, a specialist broker structured a revolving facility aligned to A2P cycles, providing working capital flexibility across both projects. The firm scaled headcount temporarily, completed on programme and improved cash collection thereafter.

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• No obligation to proceed
• Trusted UK lenders and brokers
• Responses typically within hours

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FAQs: Construction Business Loans

Are you a lender?

No. Fast Business Loans is not a lender and we don’t give financial advice. We introduce you to trusted UK brokers and lenders who can present suitable options.

Will submitting an enquiry affect my credit score?

No. Submitting an enquiry with us won’t affect your credit score. If you proceed with a broker or lender, they may run the necessary checks.

What loan amounts are available?

Our partners consider a wide range, from around £10,000 for working capital to multi‑million‑pound facilities for developments and major assets, subject to status and product type.

Can new or recently formed construction companies enquire?

Yes—some partners support new or early‑stage limited companies and LLPs, particularly with contracts/pipeline evidence. Eligibility varies by lender and product.

Do you handle CIS, retentions and staged payments?

We connect you with specialists who understand A2Ps, certified works, variations and retentions typical in UK construction.

How fast can I get funds?

Simple working capital facilities can complete in 24–72 hours from a complete application; bridging and development facilities take longer due to valuations and legal steps.

What documents do I need?

Typically recent bank statements, management or filed accounts, VAT returns (if applicable), IDs and contract details. Your broker/lender will confirm specifics.

What does it cost?

Costs depend on the facility, term, risk and security. Your broker/lender will explain all fees and interest before you decide—there’s no obligation to proceed.

Do you support vehicle and plant finance?

Yes—partners offer asset finance for plant, machinery and vehicles via HP, leases or refinance of owned assets.

Is there any obligation to proceed?

No. It’s free to enquire and there’s no obligation to take a facility after you’ve compared your options.

Trust, Transparency and Compliance

Fast Business Loans acts as an introducer only. We’re not a lender and we do not provide financial advice. Our aim is to keep information clear, fair and not misleading so you can make informed decisions. Availability and eligibility depend on your circumstances. Terms, conditions, fees and interest are set by the lender or broker and will be disclosed before you choose. Your details are handled securely and shared only with relevant partners to process your request. Always consider independent advice and compare options before committing.

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– How does Fast Business Loans work for construction business loans?
Complete a quick, free enquiry (not an application), and we’ll match your UK construction company with trusted brokers/lenders who contact you fast so you can compare options with no obligation.

– Are you a lender?
No—Fast Business Loans is an introducer, not a lender, and we don’t give financial advice; we connect you with trusted UK brokers and lenders.

– Will submitting an enquiry affect my credit score?
No, our eligibility check won’t affect your credit score, though partners may run credit checks if you choose to proceed.

– How fast can I get funding for my construction business?
Some working capital facilities can fund in 24–72 hours from a complete application, while bridging and development finance take longer due to valuations and legal work.

– What loan amounts are available for UK construction finance?
Our partners consider facilities from around £10,000 up to multi‑million‑pound funding, subject to status and product type.

– Who is eligible for construction finance through Fast Business Loans?
UK limited companies and LLPs across the construction sector—including new or early‑stage firms with contract visibility—may be eligible, depending on the product and lender.

– What can I use construction business finance for?
Common uses include materials, payroll and subcontractors/CIS, plant and equipment, vehicles, mobilising new contracts, bridging A2Ps/retentions, and site acquisition or development.

– What documents do I need to secure construction finance?
Typically recent bank statements, management or filed accounts, VAT returns (if applicable), ID, and contract/A2P details are required.

– Do you support CIS, applications for payment (A2P), certified works and retentions?
Yes, we connect you with construction‑informed invoice finance and lenders who understand A2Ps, CIS, certified works, variations and retentions.

– What does construction finance cost and is there any obligation to proceed?
Costs vary by product, risk, term and security, with all fees and rates disclosed by the broker/lender before you decide—and there’s no obligation to proceed and it’s free to enquire.