Construction Business Loans – Fast Matching to Trusted UK Lenders and Brokers

Summary: Need construction finance without the runaround? Fast Business Loans connects UK limited companies and LLPs in construction with trusted lenders and brokers for facilities such as working capital, asset & equipment finance, invoice finance, development and bridging, and VAT funding. Enquiries take under 2 minutes, are free, and won’t affect your credit score. We’re an introducer, not a lender. Facilities are subject to status, affordability and lender criteria; security may be required for some products. Minimum enquiry size £10,000.

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No fees from you. We’re an introducer, not a lender or adviser. Enquiry won’t affect your credit score. Partners may conduct credit checks if you choose to proceed.

Materials up-front. Labour weekly. Stage payments and retentions that take months. If you’re a UK construction company, you know cash flow can make or break delivery. Fast Business Loans helps limited companies and LLPs find sector-fit lenders and brokers fast—so you can keep sites moving and win the next job with confidence.

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Who We Help in Construction

We support UK-registered limited companies and LLPs across the construction supply chain, including:

• Main contractors and subcontracting companies operating under CIS (via Ltd/LLP)
• Housebuilders and SME developers
• Groundworks, civil engineering, M&E, roofing, joinery, fit-out and other specialist trades (Ltd/LLP)
• Plant hire firms and owners of specialist equipment fleets

If your business needs £10,000+ for projects, equipment, mobilisation, or cash flow, we’ll match you with UK partners who understand construction’s unique payment cycles and risks.

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Types of Construction Finance We Can Connect You With

Every project and balance sheet is different. We connect you to lenders and brokers who offer solutions that may be available subject to status, affordability and lender criteria.

Unsecured & Secured Business Loans

Flexible term loans for working capital, materials, labour, supplier deposits, or mobilisation costs. Facilities may be unsecured (often with a personal guarantee) or secured against assets/property depending on risk, loan size and trading profile.

Asset & Equipment Finance (Hire Purchase, Lease, Refinance)

Fund or refinance plant, machinery, tools and vehicles while preserving cash flow. Options can include:

• Hire purchase to acquire ownership over time
• Finance lease or operating lease to use equipment without upfront purchase
• Refinance to unlock equity in owned assets

Invoice Finance & Applications for Construction

Unlock cash tied up in stage payments, applications for payment and long debtor days. Certain providers support construction-specific documentation and can structure advances around your contract cycles, including handling certified valuations and retentions where appropriate.

Bridging & Development Finance

Funding for site acquisition, build costs, heavy/light refurb, and ground-up developments. Specialist partners can consider GDV/LTV-based facilities and phased drawdowns aligned with your cost plan, subject to planning, valuation and exit strategy.

VAT & Tax Funding

Smooth large VAT outlays on materials or stage invoices and manage HMRC liabilities without straining cash flow. Short-term, purpose-built facilities may be available.

Specialist Solutions

Construction is rarely one-size-fits-all. Partners may offer retention finance, trade finance, structured refinance or blended solutions to help manage complex project cash flows or consolidate higher-cost borrowing.

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How Our Free Matching Service Works

1. Complete a short enquiry online (under 2 minutes).
2. We match your company to suitable UK lenders/brokers experienced in construction finance.
3. Expect a rapid response by phone/email to discuss options and documents.
4. Review offers and decide with no obligation. Proceed only if it’s right for your business.

Your enquiry will not affect your credit score. If you move forward with a specific option, the lender/broker may run credit checks and affordability assessments.

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What Lenders Typically Look For (and How to Strengthen Your Case)

Common eligibility points

• UK-registered limited company or LLP
• Minimum trading history varies by product; turnover and profitability trends considered
• Contracts pipeline: signed orders, applications for payment, CIS statements (where relevant)
• Up-to-date management accounts, recent bank statements, aged debtor/creditor lists
• Existing debt schedule and any security in place
• For asset/development finance: asset details, security/LTV, planning status, cost plan, programme, QS/valuation reports, exit strategy

How to improve eligibility

• Keep accurate, up-to-date management information and cash-flow forecasts
• Evidence viable projects with contracts, build programmes and stage payment schedules
• Tidy up CCJs/arrears where possible and be transparent about any prior credit events
• Clearly set out your use of funds, contingency planning and project risk controls

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Uses of Construction Business Loans

• Purchase materials and components up-front
• Pay subcontractors and site labour
• Hire or buy plant, machinery and vehicles
• Cover mobilisation, insurances and prelims
• Meet payroll during long stage-payment cycles
• Buffer retentions and late payments
• Fund VAT on larger materials orders or staged invoices
• Support bids, frameworks and new project ramp-up

Borrow responsibly and consider the impact on cash flow. If security is provided, assets/property may be at risk if you do not keep up repayments.

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Costs, Terms and Risks — What to Expect

Pricing and terms vary by product, loan size, duration, security and risk profile. We don’t quote fixed or “from” rates here because lenders assess each case individually.

Typical considerations include:

• Term: from short-term bridging and VAT loans to medium-term asset and business loans
• Security: secured vs unsecured (PGs commonly requested for unsecured)
• Fees: arrangement fees, valuation/legal fees (where applicable), and any broker fees
• Repayment: amortising, interest-only, stage drawdowns or revolving facilities depending on the product
• Early repayment: some lenders may charge early settlement or exit fees

Risk notes:

• For secured lending, security may be required; if you do not keep up repayments, your asset or property may be at risk.
• Borrowing increases your financial commitments; consider affordability and alternatives.

You’ll receive total cost information and key terms from the lender/broker before you commit.

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Why Use Fast Business Loans for Construction Finance?

• Sector-aware matching: Save time with lenders/brokers who understand stage payments, retentions and site realities.
• Free, no obligation: Our service is free for business owners/directors; decide only if it suits your needs.
• Trusted UK partners: We connect you only to reputable finance providers who treat customers fairly.
• Secure, minimal friction: We only share your details with partners relevant to your enquiry.

Explore more detail in our resource on construction business loans.

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Real-World Scenarios We Can Help With

• Plant upgrade via hire purchase to meet a framework contract’s equipment standards, preserving cash while improving productivity.
• Short-term bridging to acquire a site while planning is finalised, followed by development finance aligned with the build programme.
• Invoice finance to smooth 60–90 day payment cycles, releasing cash against certified applications for payment and managing retentions.
• VAT funding for a large materials order at project kick-off, avoiding strain on working capital.

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FAQs — Construction Business Loans

1) What can construction business loans be used for?
Funding is commonly used for materials, labour, plant and machinery, project mobilisation, VAT, smoothing stage-payment cash flow and bridging shortfalls while retentions are outstanding. Uses must be for business purposes.

2) How quickly can funding be arranged?
Timelines vary by product and lender. After you enquire, you’ll typically hear back the same business day. Some working capital and asset options can complete quickly once documents are provided; development and property facilities usually take longer due to valuations and legals.

3) Will my credit score be affected?
Submitting an enquiry on our site won’t affect your credit score. If you proceed with a particular option, the lender/broker may conduct credit checks as part of their assessment.

4) Do you support new construction companies?
Many partners consider younger limited companies and LLPs with experienced directors and viable contracts. Eligibility depends on product type, trading profile and lender criteria.

5) What’s the minimum amount?
We typically help with enquiries of £10,000 and above.

6) Do I need security or a personal guarantee?
Some facilities are secured on assets or property; others may be unsecured but require a personal guarantee. Requirements depend on the product, credit profile and loan size.

7) What documents will I need?
Expect to provide company details, latest management accounts, recent bank statements, aged debtor/creditor lists, contracts or project schedules. For assets/property: quotations, valuations and legal documents as applicable.

8) Can I apply if I’ve been refused before or have adverse credit?
Possibly. Different lenders have different criteria. Being transparent about your situation helps partners assess viable options.

9) How are fees and rates decided?
Pricing reflects product type, risk, security, loan size and term. You’ll receive a full breakdown of costs and fees from the lender/broker before you proceed.

10) Are you a lender? Do you provide advice?
We’re not a lender and we do not provide financial advice. We act as an introducer, connecting UK businesses with trusted lenders and brokers. There’s no obligation to proceed.

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Important Information & Disclosures

Fast Business Loans is an introducer, not a lender, and does not provide financial advice. Our service is free to business owners/directors; if you proceed with a product, we may receive a commission from the lender or broker we introduce you to. Your enquiry won’t affect your credit score; partners may conduct credit searches if you choose to proceed. For secured lending, security may be required and your asset or property may be at risk if you do not keep up repayments. All lending is subject to status, affordability assessments and lender criteria. Terms and conditions apply.

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1) What types of construction finance can I get?
Working capital loans (secured or unsecured), asset and equipment finance (hire purchase, lease or refinance), invoice finance tailored to construction, bridging and development finance, and short-term VAT/tax funding.

2) Who is eligible for construction business loans?
UK-registered limited companies or LLPs in construction—such as main contractors, CIS subcontractors (via Ltd/LLP), housebuilders, plant hire and specialist trades—subject to status and affordability.

3) How quickly can funding be arranged?
Expect a same-business-day response to your enquiry, with some working capital or asset deals completing quickly once documents are provided, while property and development facilities take longer due to valuations and legals.

4) Will my enquiry affect my credit score?
No—your enquiry with Fast Business Loans won’t affect your credit score, although a chosen lender or broker may run credit checks if you decide to proceed.

5) What amounts can I apply for?
The minimum enquiry size is £10,000, and maximum amounts depend on the product, security and lender criteria.

6) Do I need security or a personal guarantee?
Some facilities are secured against assets or property, while many unsecured options require a personal guarantee depending on risk, loan size and trading profile.

7) Can you help start-ups or firms with adverse credit?
Yes—many partners consider younger companies and challenging credit histories where there’s relevant experience, viable contracts and a clear plan, but approval remains lender-dependent.

8) What documents will I need?
Typically you’ll need management accounts, recent bank statements, aged debtor/creditor lists, contracts or build programmes, and for assets/property funding any quotes, valuations, planning details and exit strategy.

9) Can invoice finance work with applications for payment and retentions?
Certain providers support construction applications, certified valuations and may structure advances around stage payments and retentions where appropriate.

10) Are you a lender and how are rates and fees decided?
We’re an introducer (not a lender or adviser) and our service is free to business owners; lenders/brokers quote rates and fees based on product type, loan size, term, security and risk.