Building Services Business Loans (UK)

Keep projects moving and cash flow steady. Fast Business Loans connects UK building services contractors with trusted lenders and brokers who understand your trade and the realities of stage payments, retentions, and CIS. Make a fast, no‑obligation enquiry for a free eligibility check and a tailored quote. Minimum funding from £10,000.

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Takes less than 2 minutes. No obligation. Enquiries won’t affect your credit score.

Built for Building Services: Who This Page Helps

If you keep buildings running, we help match you with suitable finance options through our UK partners:

• Mechanical and electrical (M&E) contractors
• HVAC, refrigeration, and BMS specialists
• Electrical contractors and data/cabling installers
• Plumbing, heating, and fire safety/security contractors
• Fit‑out and refurbishment contractors
• Facilities management and maintenance providers
• Lift and escalator engineers
• Renewable and low‑carbon installers (heat pumps, solar PV, EV charging)
• NIC/EIC, Gas Safe, F‑Gas, or other accredited firms
• Subcontractors working under CIS and main contractors on frameworks

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The Funding Challenges Building Services Businesses Face

• Upfront materials and plant hire before the first application is certified
• Stage payments, retentions, and variations delaying cash inflows
• Long payment terms from main contractors or public sector buyers
• CIS deductions and VAT outflows tightening working capital
• Staffing, overtime, and specialist subcontractor costs
• Tooling, vans, and equipment replacement or upgrades
• Seasonal demand and project‑pipeline gaps
• Compliance costs for safety, accreditation, and quality audits

If these sound familiar, tailored building services finance can bridge the gap between costs and client payment, so you can keep delivering on time and on spec.

Finance Options We Can Connect You With

We’re not a lender and we don’t provide financial advice. We act as an introducer, matching you with UK brokers and lenders who understand contractor finance and building services. Options may include:

Unsecured Business Loans and Cash Flow Loans

• What it is: A lump‑sum loan, typically repaid over a fixed term with fixed or variable rates.
• Good for: Working capital, hiring, marketing, smaller equipment purchases.
• Typical ranges: From around £10,000 up to £500,000+ depending on circumstances.
• Notes: Fast decisions are possible; rates and terms depend on profile and trading history.

Revolving Credit Facilities and Lines of Credit

• What it is: Draw down what you need, when you need it, paying interest only on the amount used.
• Good for: Smoothing cash flow between applications for payment or stage payments.
• Notes: Flexible access to capital; limits and covenants set by lender criteria.

Invoice Finance (Factoring or Confidential Discounting)

• What it is: An advance of cash against approved invoices or certified applications.
• Good for: Slow‑paying main contractors and public sector end‑debtors.
• Benefits: Unlocks cash tied up in debtors; typically scales with turnover.
• Notes: Lenders may require assignment of invoices; pricing varies by facility and debtor quality.

Asset and Equipment Finance

• What it is: Finance for tools, M&E kit, temporary power, test equipment, and IT.
• Good for: New/used machinery, renewable install equipment, software and hardware.
• Structures: Hire purchase, finance lease, operating lease.
• Notes: Spread costs over the asset life to preserve cash and align payments with revenue.

Vehicle and Fleet Finance

• What it is: Finance or leasing for vans, pickups, and specialist vehicles.
• Good for: Expanding or refreshing your fleet with predictable monthly costs.
• Notes: Maintenance options may be available; terms vary by vehicle and mileage.

Trade and Materials Finance

• What it is: Funding to cover supplier orders and materials on larger projects.
• Good for: Upfront material purchases linked to purchase orders.
• Notes: Specialist criteria apply; facilities often integrate with supply chain processes.

VAT and Tax Funding

• What it is: Short‑term funding for VAT, corporation tax, or PAYE bills.
• Good for: Protecting working capital at peak tax times.
• Notes: Typically shorter terms; speed and simplicity are the key benefits.

Contract Finance and Project‑Based Funding

• What it is: Facilities aligned to milestones on specific contracts.
• Good for: Larger, longer‑duration projects with staged payments and retentions.
• Notes: Specialist product; lender expertise in construction/building services required.

Not every product suits every business. Your matched broker or lender will discuss eligibility, costs, and terms with you and provide a personalised quote.

Get Started — Free Eligibility Check

How Fast Business Loans Works (Simple, Fast, No Obligation)

1. Complete our quick enquiry form
   Tell us about your company, funding need, and contact details. It takes under 2 minutes.
2. We match you to trusted partners
   We connect you with UK brokers and lenders experienced in building services finance.
3. Receive a rapid response
   Expect a call or email shortly to explore your options and likely eligibility.
4. Compare, decide, and fund
   Choose the option that fits your goals. No pressure and no obligation to proceed.

What You Can Use the Funding For

• Materials, plant hire, temporary electrics, and site setup
• Labour, overtime, and specialist subcontractors
• Accreditation, testing, commissioning, and compliance
• New tools, test equipment, and PPE
• Vans, pickups, and fleet upgrades
• Software (estimating, CAFM, BIM) and IT
• Welfare, H&S compliance, and RAMS requirements
• Marketing, tendering costs, and bid support
• Bridging cash flow while waiting for stage payments or retentions

Eligibility and Documents: What Lenders Commonly Look For

Requirements vary by lender and product, but typically be ready with:

• Company details: Limited company or LLP registered in the UK (Companies House number)
• Trading history: Start date, current turnover, pipeline
• Recent bank statements: Usually 3–6 months
• Management accounts or filed annual accounts
• Aged debtors/creditors (for invoice finance)
• Sample invoices, applications for payment, purchase orders, or contracts
• CIS statements (if applicable) and VAT status
• Asset list or supplier quotes (for asset or vehicle finance)
• Director details and credit profile

Your enquiry through us won’t affect your credit score. If you choose to proceed, lenders may run credit checks with your consent.

Check Eligibility — No Obligation

Rates, Fees, and Terms — What to Expect

• Amounts: From around £10,000 up to £5 million+ depending on product and profile.
• Terms: Short‑term (3–12 months) for working capital/VAT; longer (12–72 months) for asset/vehicle finance; ongoing for invoice finance facilities.
• Pricing: Set by lender based on product type, trading history, credit profile, security, sector, and contract/debtor quality. You’ll receive a tailored quotation before you decide.
• Fees: May include arrangement, service, documentation, or early settlement fees, depending on the product.

Good to know:

• There’s no obligation to proceed after your free match.
• We don’t charge business owners to use our service.
• You’ll have clear documentation from any lender/broker before you sign.

Case Snapshots (Illustrative Examples Only)

HVAC contractor bridging stage payments
A regional HVAC firm won a hospital upgrade contract with staged payments every 45 days and a 5% retention. Using invoice finance against certified applications, they unlocked up to 85–90% of invoice value within days, covering materials and labour without pausing works.

Electrical contractor upgrading test equipment
An NICEIC‑approved contractor needed new multi‑function testers and containment tools for a surge in school refurb programmes. Asset finance spread the cost over 36 months, preserving cash for payroll and suppliers while the equipment generated revenue.

FM provider smoothing cash flow
An FM company managing multi‑site retail stores faced slow payment on variations. A revolving credit facility provided flexible drawdowns to cover short‑term gaps. Interest was only paid on funds actually used, and the limit flexed with seasonal workload.

These are examples to show how finance may be used; they are not offers. Pricing and eligibility vary by lender and your circumstances.

Get Matched to a Lender — Free Quote

Why Choose Fast Business Loans

• Sector‑savvy partners: Lenders and brokers experienced with building services, CIS, stage payments, and retentions.
• Speed and simplicity: One short form. Rapid introductions.
• Better fit, less friction: Matching based on your need, size, and sector.
• No obligation and free to use: You decide if and when to proceed.
• Transparency and trust: Clear communication; data handled securely.
• Broad panel: From £10k working capital to multi‑million facilities via experienced partners.

Frequently Asked Questions — Building Services Finance

Ask a Question or Get a Free Quote

Important Information and Compliance

• Fast Business Loans (fastbusinessloans.net) is an introducer, not a lender. We do not provide financial advice.
• Our service is free for business owners to use. If you proceed with a lender/broker, we may receive a commission from them.
• All finance is subject to status, affordability, and lender criteria. Terms, conditions, and fees apply.
• Any examples on this page are for illustration and are not offers or commitments.
• Enquiries through our site do not affect your credit score; credit checks may be performed by partners if you choose to proceed.
• We aim to ensure all information and promotions are clear, fair, and not misleading. Lenders and brokers we introduce to follow relevant UK regulations and industry standards.

Get Started — Free Eligibility Check
Two minutes to apply. No obligation.

Related Pages

• Invoice finance for UK businesses
• Asset and equipment finance
• Vehicle finance for fleets and vans
• Sustainability loans (heat pumps and solar PV)

Suggested Images

• HVAC contractors installing rooftop unit (alt: HVAC contractors installing rooftop unit)
• Electrical contractor testing distribution board on site (alt: Electrical contractor testing distribution board on site)
• Building services commissioning in plant room (alt: Building services commissioning in plant room)

– How do I apply for a fast business loan in the UK?
Complete our 2-minute online enquiry, we match you with suitable UK lenders and brokers, and you choose the best offer — with no obligation.

– Is Fast Business Loans a lender or broker?
We’re not a lender; we’re an introducer that connects UK businesses with trusted lenders and brokers who follow FCA guidelines.

– Will submitting an enquiry affect my credit score?
No, submitting an enquiry with Fast Business Loans won’t affect your credit score, and any credit checks are only carried out by partners if you decide to proceed.

– What types of business finance can I compare?
You can compare unsecured and secured business loans, asset and equipment finance, invoice finance, vehicle and fit‑out finance, refinance solutions, cashflow loans, and sustainability loans.

– How much can I borrow?
Our partners typically fund from around £5,000 up to £5 million or more, depending on your business and the product.

– How quickly could I get a decision and funding?
You’ll usually hear back within minutes or a few hours during business times, and once approved funding speed varies by lender.

– Do you help start-ups and businesses that have been refused elsewhere?
Yes — many of our partners support start-ups and consider applications even if you’ve been declined elsewhere, subject to eligibility and underwriting.

– Which industries do you support?
We support a wide range of UK sectors including construction, hospitality, retail and e-commerce, healthcare, agriculture, logistics, manufacturing, professional services, and more.

– What are typical interest rates and fees?
Rates and fees depend on the lender, product, credit profile, sector, and term, and your matched broker or lender will explain total costs clearly upfront.

– Does it cost me anything to use your service or am I obligated to take an offer?
Our matching service is free for business owners and there’s no obligation to accept any finance offer.