Construction Business Loans: Fast, Flexible Finance for UK Contractors and Builders
Quick answer: Construction business loans are financing solutions designed to help UK contractors, builders, and construction firms manage cash flow, fund equipment and materials, and support project delivery. Fast Business Loans is a free introducer that connects incorporated UK businesses seeking £10,000+ with construction‑savvy lenders and brokers for working capital, invoice finance, asset and vehicle finance, development and bridging, and more. No obligation to proceed and no impact on your credit score to make an enquiry.
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.
Free Eligibility Check — it takes 2 minutes. No obligation.
Who We Are: A Fast Bridge Between Construction Firms and Finance
Fast Business Loans is an introducer, not a lender. We don’t provide financial advice. We connect UK construction businesses (limited companies only) with trusted lenders and brokers who understand stage payments, retentions, rising material costs, and the realities of JCT/NEC contracts.
Our service is free to use, there’s no obligation to proceed, and your enquiry does not affect your credit score. If you choose to progress with a provider, they may perform credit and affordability checks.
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.
Looking for construction business loans tailored to your projects? We’ll match you with relevant partners quickly.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
How It Works (Built for Construction)
1) Quick Enquiry
Tell us who you are, how much funding you need (£10,000+), and what it’s for (cash flow, plant, materials, development, etc.).
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
2) Smart Matching to Construction‑Specialist Partners
We connect you to lenders/brokers with real experience in applications for payment, uncertified invoices, CIS, and retentions.
3) Rapid Response
Expect a call or email, often within hours during business hours, to discuss options and what’s possible.
4) Compare and Decide
Review solutions, ask questions, and choose whether to proceed. There’s no pressure and no obligation.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Construction Finance Options We Can Connect You With
Every build is different. The right finance depends on your contracts, pipeline, and cash flow profile. Here are common solutions our partners provide (availability and terms subject to status and assessment):
Working Capital & Cash Flow Loans
Short‑ to medium‑term facilities to bridge gaps between stage payments, cover payroll and subcontractors, or manage unexpected costs. Options may be unsecured or secured; terms, security, and personal guarantees (PGs) vary by lender and affordability.
Invoice Finance for Construction (CIS & Applications for Payment)
Unlock cash tied up in applications for payment, uncertified invoices, and staged works—common under JCT/NEC contracts. Funding can reduce 30–60+ day waits, smooth cash flow, and help you pay suppliers on time.
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.
Asset & Equipment Finance (Plant, Tools, Machinery)
Hire purchase, finance lease, or refinance of existing plant for excavators, access platforms, scaffolding, or site tools. Helps preserve cash while securing equipment uptime. Some providers support refinance to release equity from owned assets.
Vehicle & Fleet Finance
Vans, pickups, and trucks via leases or loans to expand or renew fleets. Structures vary; speak with a partner about mileage, maintenance, and residuals.
Materials/Trade Finance
Support bulk materials purchases, supplier deposits, and vendor term gaps. Can help negotiate better pricing by paying earlier while protecting cash flow.
Property Development Finance & Bridging
Ground‑up builds, conversions, and refurbishments with stage drawdowns. Bridging finance can cover timing gaps (for example, site acquisition before development funding completes) or act as an exit while sales complete.
Refinance & Consolidation
Restructure multiple facilities into a more manageable profile, potentially reducing monthly outgoings and improving predictability.
What Lenders and Brokers Look For in Construction
Essentials
- Time trading and legal status (limited companies only)
- Turnover trends, profitability, and affordability
- Credit history and conduct (business/personal)
- Existing commitments, security, and any PGs
- Funding purpose and clear use of proceeds
Construction‑Specific Indicators
- Contract pipeline, stage payment schedules, and retentions
- Applications for payment and uncertified invoices (JCT/NEC)
- CIS statements and subcontractor arrangements
- Insurance, H&S, and project track record
- Supplier terms and vendor relationships
If You’re Newer or Previously Declined
You can still enquire. Our panel spans multiple risk appetites—there are no guarantees, but breadth may improve your options. Finance is always subject to status and affordability checks.
Costs, Terms, and Risks — Transparent and Case‑by‑Case
There are no one‑size‑fits‑all deals in construction finance. Costs depend on the product type (e.g., invoice finance vs. asset finance), security, term, and your risk profile. Your matched broker/lender will provide personalised terms after assessment.
Missing payments may negatively affect your credit rating. For secured facilities, assets given as security may be at risk if you fail to keep up repayments. Always check fees, early settlement terms, and total cost of finance before proceeding.
Submitting an enquiry via Fast Business Loans is free and does not affect your credit score. If you take out a product via our introduction, we may receive a commission from the provider—this does not increase the price you pay.
Real‑World Scenarios (Illustrative)
Main Contractor Bridging Cash Flow Between Stage Payments
A contractor facing a 45‑day lag between stages uses a working capital facility to cover payroll and key subcontractors. Result: the project stays on schedule, supplier relationships are protected, and the next application for payment arrives without disruption.
Scaffolding Firm Acquiring New Towers via Asset Finance
Demand grows but owned towers are fully utilised. The firm completes a hire purchase, spreading the cost of additional towers. Result: higher utilisation and revenue without a large upfront cash drain.
Subcontractor Funding Uncertified Applications
A specialist trade contractor uses construction‑aware invoice finance to advance cash against applications for payment. Result: less time waiting on certifications and retentions, more predictability in paying crews and suppliers.
What You’ll Need to Enquire (Document Checklist)
- Company details and directors’ contact information
- Funding amount (£10,000+) and purpose
- Recent bank statements and/or management accounts
- Key contracts, pipeline, and (if relevant) applications for payment
- CIS statements (where applicable)
- Asset list (for asset‑backed or refinance)
- Photo ID and basic AML/KYC information
You can start with the basics—partners will confirm exactly what they need if you wish to proceed.
Why Construction Firms Choose Fast Business Loans
- Sector‑savvy matching: partners who understand stage payments, retentions, CIS, and JCT/NEC terms
- Speed: save time vs. cold outreach and generic providers
- Choice: working capital, invoice finance, asset/vehicle, materials, development, and bridging
- Free and no obligation: enquire without pressure or cost
- Simple and secure: we only share your details with relevant partners to progress your request
Our Commitment to Fair, Clear, and Not Misleading Promotions
We’re an introducer, not a lender, and we don’t provide financial advice. We aim to be transparent about how our free service works, how your data is used, and how we’re paid. Enquiries via our form do not affect your credit score; if you choose to proceed, lenders/brokers may conduct credit and affordability checks. Finance is subject to status, terms, and conditions.
FAQs: Construction Business Loans and Finance
Will my enquiry affect my credit score?
No. Enquiring via Fast Business Loans will not impact your credit score. If you decide to proceed, providers may run credit checks as part of their assessment.
Do you support newer construction companies?
Some partners can consider newer incorporated businesses, subject to status and affordability. Product availability and terms vary by provider.
How quickly could I hear back?
Often within hours during business hours. Complex cases may take longer.
What loan amounts are available?
Our partners typically support £10,000 and upwards, depending on the product, security, and your circumstances.
Can you help with uncertified applications and retentions?
Yes. Construction‑specialist invoice finance providers may fund applications for payment and work with retentions schedules, subject to their criteria.
Will I need to give a personal guarantee?
Some products require PGs, others don’t. It depends on the lender’s assessment, security available, and your company profile.
Is the service free for my business?
Yes. Submitting an enquiry is free and without obligation. If you take out a product via our introduction, we may receive a commission. This does not increase the price you pay.
Are decisions guaranteed?
No. All finance is subject to status, affordability checks, and the provider’s criteria. There are no guaranteed approvals.
What information do I need to provide?
Basic company details, funding amount and purpose, recent bank statements/accounts, and where relevant, pipeline/contracts, CIS statements, or asset lists.
Do you work with incorporated contractors only?
Yes. We support limited companies seeking £10,000+ funding. We do not handle sole trader requests.
Ready to Explore Your Options?
Tell us what you need, and we’ll connect you with construction‑savvy lenders and brokers who can help. It’s fast, free, and there’s no obligation to proceed.
Fast Business Loans is an introducer, not a lender, and does not provide financial advice. Our service is free for business owners. We introduce you to UK brokers and lenders; if you proceed with a product via our introduction, we may receive a commission from the provider. Enquiries do not affect your credit score. If you choose to proceed, lenders/brokers may conduct credit and affordability checks. Finance is subject to status, terms, and conditions. Failure to keep up repayments may negatively affect your credit rating and could result in the repossession of secured assets.
1) What are construction business loans?
Construction business loans are funding solutions that help UK contractors and builders manage cash flow, buy materials/equipment, and deliver projects, with Fast Business Loans connecting you to specialist lenders and brokers.
2) Who is eligible to apply?
Incorporated UK businesses (limited companies only) seeking £10,000+ can enquire, with approval subject to status and affordability checks.
3) Is Fast Business Loans a lender and is the service free?
We’re an introducer, not a lender, and our matching service is free to use with no obligation to proceed.
4) Will my enquiry affect my credit score?
No—submitting an enquiry does not affect your credit score; if you proceed, providers may run credit and affordability checks.
5) How quickly could I hear back or get funding?
You’ll typically get a call or email within hours during business hours, while funding timelines vary by product, documents, and assessment.
6) What types of construction finance can you connect me with?
We match you with working capital loans, invoice finance (including CIS and applications for payment), asset/equipment and vehicle finance, materials/trade finance, and property development/bridging.
7) Can you help with uncertified applications for payment and retentions under JCT/NEC?
Yes—construction‑specialist invoice finance providers may fund applications for payment and work alongside retentions schedules, subject to their criteria.
8) How much can I borrow?
Partners typically consider facilities from £10,000 upward, depending on product type, security, turnover, and risk profile.
9) What will it cost and how are rates set?
Costs and rates are tailored to the product, term, security, and your risk profile (some facilities may require security or PGs), with personalised terms provided after assessment.
10) What documents do I need to apply?
Have basic company details, funding amount and purpose, recent bank statements/management accounts, and where relevant contracts/pipeline, CIS statements, asset lists, and ID for AML/KYC.