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.
Building Services Business Loans: Fast Funding Matches for UK Contractors
Summary: If you run a UK building services business (M&E, HVAC, electrical, plumbing, facilities management) and need finance from £10,000+, Fast Business Loans will quickly match your company with lenders and brokers who specialise in the sector. Complete a short, no‑obligation enquiry (it’s not an application and won’t affect your credit score) and receive tailored lender contacts to help with working capital, equipment, contract finance, invoice facilities and more. Get Started – Free Eligibility Check
Why building services businesses seek finance now
Building services firms face specific cashflow pressures: upfront mobilisation costs, delayed progress payments, retention on contracts, rising material prices and the cost of recruiting or retaining specialist teams. At the same time, many businesses are investing to meet retrofit and decarbonisation demand—heat pump installs, controls upgrades and low‑carbon plant require capital.
Why it matters: without the right funding in place you can lose projects, be forced to delay equipment purchases, or miss growth opportunities.
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.
Quick fact: lenders that specialise in construction and building services understand staged invoicing, CIS payments and longer debtor cycles — and can structure facilities accordingly.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
How Fast Business Loans connects you with the right finance partner
Step 1 – Quick enquiry (no credit impact)
Tell us a few details about your company, the funding type and amount you need, and a nominated contact. The enquiry is short, free and not an application — it does not affect your credit score. Free Eligibility Check
Step 2 – Sector‑savvy matching
We route your enquiry to selected lenders and brokers who understand building services—mechanical & electrical contractors, HVAC, plumbing and facilities managers. This increases the chance of a relevant offer and saves you time.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Step 3 – Compare, decide, fund
Providers contact you with quotes and next steps. Compare terms, ask questions and choose the lender or broker that best fits your business. Fast Business Loans introduces you — we do not lend and we do not provide regulated financial advice.
Get Quote Now — it takes under 2 minutes.
Finance options for building services contractors
Different projects and businesses require different facilities. Below is a practical guide to common finance types used by contractors in the building services sector.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
| Finance type | Typical uses in building services |
|---|---|
| Working capital loans | Bridge gaps between invoices, cover payroll and supplier costs during large projects. |
| Invoice finance | Unlock cash tied up in unpaid progress claims and stage payments; helpful where clients have long payment terms. |
| Asset & equipment finance | Purchase or hire HVAC plant, lifts, vans, diagnostic kit, or specialist tools with structured repayments. |
| Contract finance / mobilisation loans | Funds to mobilise on a new contract — materials, labour and upfront subcontracts. |
| Refinance / debt consolidation | Restructure existing borrowing to improve cashflow and reduce monthly strain. |
| Merchant cash advance | Short-term cash injection repaid from future card or banked receipts (suitable for some maintenance businesses). |
Terms vary by lender — secured vs unsecured, term length, and interest depend on business profile and the asset or contract backing the facility.
When finance makes a difference: practical use cases
Managing project cashflow gaps
A contractor wins a £250k retrofit project but must buy specialist equipment and pay subcontractors before staged client payments arrive. A short-term working capital loan or invoice finance facility can stabilise cashflow and keep the project moving.
Investing in low‑carbon and compliance upgrades
Upgrading teams and tools for heat pumps, BMS or EV chargers requires capital. Asset finance spreads the cost of plant over its useful life, helping firms deliver retrofit work without large cash outlays.
Scaling to win multi‑site maintenance contracts
To take on national maintenance contracts you may need vehicles, staff and tools. A mix of asset finance and working capital can support growth while preserving cash reserves.
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.
What lenders look for in building services applications
While each lender has different appetite, common requirements include:
- Recent management accounts and historic trading performance.
- Details of current contracts and pipeline (start dates, contract values, payment terms).
- CIS records where relevant and evidence of VAT/contractor status.
- Bank statements, aged debtors (for invoice finance) and company structure details.
- Sometimes director guarantees or security for larger facilities.
Tip: be ready to explain your retention and staged payment arrangements — specialist lenders understand construction payment flows.
Important: submitting an enquiry does not guarantee an offer; final decisions rest with the lender and are subject to their assessment and terms.
Why UK building services firms choose Fast Business Loans
Specialist panel with sector expertise
We connect you to lenders and brokers experienced with building services cashflow patterns — so you spend less time explaining your trade and more time choosing a solution.
Fast responses & clear communication
We route enquiries quickly so brokers and lenders can respond by phone or email with targeted options.
No fee for businesses, no obligation to proceed
Our service is free for business owners. You decide which lender or broker to work with — there’s no obligation to accept offers.
“Illustrative: ‘We were matched within hours to a broker who understood our retention schedule — funds arrived faster than we expected.’”
Checklist: preparing for your building services finance enquiry
Before you start, gather:
- Company name, registration number and contact details.
- Approximate annual turnover and recent management accounts.
- List of current contracts and expected pipeline (values and payment terms).
- Details of the amount required (and intended use — e.g. equipment, payroll, mobilisation).
- Bank statements for the last 3–6 months and evidence of any security you can offer.
Having these to hand speeds up the matching process. When ready, Start Your Enquiry.
Frequently asked questions – Building services finance
Do you fund subcontractors as well as main contractors?
Yes. We match both main contractors and specialist subcontractors with lenders and brokers who understand CIS payments and contract-based revenues.
Can I get finance if my revenue is project-based or seasonal?
Many lenders accept project-driven income. They assess pipeline, historic contracts and retention schedules to structure a facility that suits seasonal or project-based cashflow.
What’s the minimum loan size?
We typically help businesses seeking finance from around £10,000 upwards. Tell us your needs and we’ll match you to appropriate providers.
Is invoice finance available for construction debtors?
Yes — we work with brokers and lenders experienced in construction debtor profiles, including invoice discounting and factoring that accommodates staged payments and CIS deductions.
How soon could funds be available after I’m matched?
Simple facilities can be arranged within 24–72 hours of approval. Complex arrangements like refinancing or secured asset finance may take longer due to valuations and legal checks.
Does completing the enquiry affect my credit score?
No — the Fast Business Loans enquiry does not impact your credit file. Lenders or brokers may carry out credit checks later, only with your consent.
Ready to strengthen your building services pipeline?
If you need working capital, new equipment, mobilisation finance or a tailored facility for your contracts, Fast Business Loans can connect you with lenders and brokers who specialise in the sector. Our enquiry is quick, free and non‑binding — and we’ll match you to partners who best fit your needs.
Start Your Enquiry – Free & No Obligation
Learn more about sector‑specific lending and common solutions on our building services resource page: building services business loans.
– What is Fast Business Loans and do you lend directly to building services firms?
Fast Business Loans is not a lender; we match UK building services contractors with trusted lenders and brokers offering finance from around £10,000 upwards.
– Will completing your enquiry affect my credit score?
No—our quick enquiry is a free, no‑obligation eligibility check and won’t impact your credit score, with any credit searches done later by partners only with your consent.
– How quickly could my M&E, HVAC, electrical or plumbing business get funding?
You’ll typically hear back within hours, and straightforward facilities can sometimes complete in 24–72 hours after approval.
– What types of finance can building services businesses access through you?
We match you to working capital loans, invoice finance (including staged invoices/CIS), asset and equipment finance, contract/mobilisation finance, and refinancing.
– Do you help subcontractors and CIS‑registered firms as well as main contractors?
Yes—we match both main contractors and specialist subcontractors with providers who understand CIS, retentions and staged payments.
– Is invoice finance available for construction debtors and progress claims?
Yes—our partners offer invoice discounting and factoring that accommodates staged invoicing, progress claims and retention‑affected debtors.
– What information do I need to start the eligibility check?
Provide basic business details, turnover, funding amount/type, and a brief outline of your contracts or pipeline, with documents supplied later to lenders.
– What do lenders look for in building services finance applications?
Common requirements include recent management accounts, bank statements, contract and pipeline details, CIS/VAT records, and sometimes director guarantees or security.
– What’s the minimum loan size and are equipment purchases covered?
Funding typically starts from around £10,000, with asset and equipment finance available for HVAC plant, tools, vehicles and specialist kit.
– Is your service free and am I obliged to proceed with any offer?
Yes—the service is free for businesses and there’s no obligation to accept any offer after you’re matched.