Construction Business Loans & Finance for UK Contractors and Developers

Keep your projects moving with flexible construction finance. We connect UK builders, contractors, and developers to trusted lenders and brokers — fast, free, and with no obligation.

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• Free to use. No obligation.
• Soft enquiry won’t affect your credit score.
• Matched to lenders who understand construction (JCT, stage payments, retentions).
• From £10k to £5m+ (subject to status and terms).

Important: Fast Business Loans is not a lender and does not offer financial advice. We introduce UK businesses to trusted brokers and lenders. Any finance is subject to status, affordability, and terms.

Last updated: 28 October 2025

Summary (quick answer): Construction business loans are flexible funding options that help UK contractors, developers, and construction firms cover materials, labour, plant and equipment, VAT, and stage-payment gaps. We’re a free introducer that matches Limited Companies and LLPs to construction-savvy lenders and brokers across working capital, asset and plant finance, invoice finance, materials/trade finance, bridging, and development facilities. Enquiries won’t affect your credit score, and typical facilities start from £10,000. Compare options with a Free Eligibility Check.

Construction Finance Made Simple

Whether you’re managing stage payments under a JCT contract, pre-buying materials, covering payroll, or bridging cash flow until retentions are released, construction finance can keep site operations on track. We make it simple for UK construction firms to compare options quickly — matching your Limited Company or LLP with lenders and brokers who understand CIS, valuations, and phased drawdowns. It’s free to use, there’s no obligation, and your enquiry won’t affect your credit score.

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What Are Construction Business Loans?

How construction finance works

Construction business loans are flexible funding solutions that help contractors and developers manage project cash flow, fund materials and labour, acquire plant and equipment, and bridge finance between stage payments — including development phases.

Facilities can be secured or unsecured, with fixed or variable rates, and short to medium terms depending on project risk, security, and your business profile. Options range from working capital loans and invoice finance to bridging and development finance with staged drawdowns. Pricing and terms vary by turnover, profitability trends, experience, contracts, and available security.

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Who We Help in the Construction Supply Chain

• Main contractors and subcontractors operating via Limited Companies or LLPs (including CIS-registered companies)
• Builders, housebuilders, and developers
• Specialists: groundworks, M&E, roofing, scaffolding, fit-out, building services
• Plant hire and equipment-heavy firms
• Limited company trades teams managing multiple jobs and sites

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Types of Construction Finance We Can Connect You With

Different projects need different solutions. We’ll match you with brokers/lenders who understand sector paperwork and nuances like JCT contracts, stage payments, retentions, valuations, and CIS.

Working Capital and Unsecured Business Loans

Cover payroll, materials, fuel, and short-term cash gaps between valuations or stage payments. Typical facilities from £10k to £500k+ subject to status and affordability, with terms that can align to project timelines.

Asset & Plant Finance (Hire Purchase, Lease)

Fund excavators, loaders, cranes, vans, and tools — new or used. Spread the cost, preserve cash, and potentially achieve tax efficiencies (speak to your accountant). Reputable partners can also refinance existing kit to release capital.

Equipment Finance

Specialist equipment such as surveying tech, M&E tools, and safety systems. Structures include HP, finance lease, operating lease, or refinance against owned assets to unlock working capital.

Invoice Finance for Construction

Unlock cash tied up in approved invoices, mitigate long payment terms and retentions. Options include factoring or invoice discounting with sector-aware lenders familiar with CIS and application-for-payment cycles.

Materials Finance and Trade/Purchase Order Finance

Fund materials upfront against confirmed POs or contracts so you can meet supplier terms without squeezing working capital. Can be used alongside other facilities to smooth cash flow.

Bridging Loans

Short-term finance for site acquisition, auction purchases, or time-sensitive opportunities. Typically secured on property with interest often rolled up. A credible exit strategy is required (e.g., sale or refinance).

Property Development Finance

For ground-up builds, conversions, and refurbishments. Usually structured as staged drawdowns against monitored works, with requirements around experience, cost plans, and GDV — plus a clear exit.

VAT & Tax Funding

Manage HMRC VAT peaks or corporation tax bills without disrupting cash flow. Structured repayments to match cash cycles can help protect site operations.

Refinance & Consolidation

Restructure existing debt to improve monthly cash flow, reduce complexity, or free up security for new projects. May involve asset-backed or property-backed solutions.

Explore our overview of construction business loans for sector-specific insights.

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How Our 4-Step Match Process Works

1. Complete a Quick Enquiry (under 2 minutes)
2. We match you with trusted UK brokers/lenders suitable for your construction needs
3. Rapid response by phone/email
4. Compare, decide, and fund — no obligation

Your enquiry won’t affect your credit score. Partners may conduct credit checks if you choose to proceed.

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Eligibility, Documents, and What Lenders Look For

Typical eligibility factors

• UK Limited Companies and LLPs (we do not arrange finance for sole traders)
• Time trading (newly formed companies with experience may still be eligible via certain partners)
• Turnover and profitability trends
• Project pipeline, contracts (e.g., JCT), stage payment schedules, and retentions
• Demonstrable experience in similar projects
• Security available (for secured options)
• Credit profile (business and directors)

Documents checklist

• Last 6–12 months’ business bank statements
• Recent management accounts and last filed accounts
• Aged debtor/creditor lists
• Contract details (JCT/scope), schedules, purchase orders, and valuations
• Project appraisals and GDV (for development finance)
• Asset list and existing finance schedules (for asset finance/refinance)
• ID and address verification (KYC)

How to improve your chances

• Be clear on funding need, timing, and repayment source
• Provide complete paperwork promptly and accurately
• Show track record and realistic timelines with contingency

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Costs and Terms Explained

Depending on the product and risk profile, pricing can include fixed or variable interest. Bridging/development may quote monthly or daily interest, with fees for arrangement, valuation, monitoring, legal, and (where applicable) broker services. Some facilities carry early repayment or exit charges.

Typical terms range from a few months (bridging) to several years (asset loans). Invoice finance is usually on a rolling basis, while development finance uses staged drawdowns. Security varies: personal guarantees are common; larger facilities may use debentures, charges, or property/asset security.

Exact pricing and terms depend on your circumstances, security, and lender criteria. There’s no obligation to proceed — compare options with a Free Eligibility Check.

Why Choose Us for Construction Funding

• Sector-matched connections: lenders who understand CIS, retentions, stage payments, and valuations
• Speed: short enquiry, quick responses
• Free and no obligation: compare quotes without pressure
• Trusted partners who follow fair treatment principles
• Transparent: we’re an introducer, not a lender or adviser

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Construction Finance FAQs

Are you a lender?

No. We’re an introducer. We connect UK construction businesses with trusted brokers and lenders who provide finance directly. Our service is free and there’s no obligation to proceed.

Will my enquiry affect my credit score?

No. Submitting an enquiry with us won’t affect your credit score. If you choose to move forward with an option, our partners may run credit checks in line with their processes.

How quickly can funding be arranged?

Responses typically arrive within hours (often same business day). Funding timelines vary — from a few days for some unsecured or asset finance to several weeks for larger secured or development facilities.

What’s the minimum and maximum I could borrow?

Our partners usually consider facilities from £10,000 up to £5 million+ depending on status, security, and project details.

Do you support start-ups or newly formed contractors?

Yes. Some partners will consider newly formed Limited Companies and LLPs, especially where there’s relevant experience, contracts in place, or security available. Criteria vary by lender.

Can I apply if I’ve had a decline elsewhere?

Often yes. Because we work with a wide panel, you may still be eligible with another lender. A quick enquiry helps us match you to suitable options.

What if my cash is tied up in invoices and retentions?

Construction-aware invoice finance can unlock cash against approved invoices and help manage lengthy payment terms and retentions. We connect you to lenders experienced with CIS and sector documentation.

Do you support bridging and property development finance?

Yes. Our partners arrange bridging for acquisitions and development finance for ground-up, conversions, or refurbishments. Expect staged drawdowns, valuations, and a clear exit strategy.

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Start Your Free Eligibility Check

Tell us what you need and we’ll match you to construction-savvy lenders and brokers who can help. No fees. No obligation. Quick responses by phone or email.

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Compliance and Transparency

Fast Business Loans (fastbusinessloans.net) is a free, no-obligation introducer. We are not a lender and do not provide financial advice. We introduce UK businesses to trusted brokers and lenders. Finance is subject to status, affordability, credit checks, security (where applicable), and lender criteria. Terms and conditions apply. Your enquiry will not affect your credit score; our partners may perform credit checks if you choose to proceed. We aim to ensure all information is fair, clear, and not misleading. No guarantees of approval or rates are implied.

– What are construction business loans and how do they work for UK contractors and developers?
They’re flexible facilities (secured or unsecured) that fund materials, labour, plant, VAT and stage‑payment gaps, matched to your projects and repaid from contract cash flow or a clear exit.

– How much can I borrow for construction finance?
Typical facilities range from £10,000 to £5 million+ depending on status, affordability, security, and project details.

– How fast can I get funding?
You’ll usually get a response within hours and, depending on the product, funds can land in a few days (unsecured/asset finance) to several weeks (larger secured or development loans).

– Will my enquiry affect my credit score?
No—our free eligibility check is a soft enquiry and won’t affect your credit score, though partners may run checks if you choose to proceed.

– Who is eligible for construction finance?
UK Limited Companies and LLPs (including CIS-registered firms) are eligible—criteria focus on experience, contracts (e.g., JCT), pipeline, and credit profile; we don’t arrange finance for sole traders.

– What types of construction finance can you connect me with?
Working capital loans, asset and plant finance, equipment finance, invoice finance, materials/trade (PO) finance, VAT/tax funding, bridging loans, and property development finance.

– Do you support JCT contracts, stage payments, valuations, retentions and CIS?
Yes—we match you with construction‑savvy lenders who understand JCT paperwork, phased drawdowns, valuations, retentions, and CIS.

– What documents will lenders usually need?
Expect 6–12 months’ bank statements, recent management and filed accounts, aged debtor/creditor lists, contracts/POs/valuations, project appraisals and GDV (for development), asset lists, and standard ID/KYC.

– What security or guarantees might be required?
Requirements vary by product, but personal guarantees are common and larger facilities may involve debentures, asset or property charges, while some options can be unsecured.

– What will it cost and are there any fees?
Pricing varies by risk and product (interest plus possible arrangement, valuation, monitoring, legal and broker fees), and our introducer service is free and no‑obligation.