Construction Business Loans & Plant Finance: £5,000 to £500,000+
Building the future is hard enough without having to worry about how you're going to pay for the materials or the plant hire for your next big contract. Whether you're a general contractor, a specialist sub-contractor, or a developer, we provide the fast-acting capital you need to bridge the gap between "Project Start" and "Final Invoice Paid."
How Construction Businesses Use Funding
From plant hire to payroll, here's how contractors and builders put capital to work.
Plant & Equipment
From excavators and cranes to specialist power tools and work vans. Finance the heavy lifting without tying up your vital cash flow.
Material Procurement
Secure the funds to buy materials in bulk at better prices, ensuring your team has exactly what they need on-site from day one.
Subcontractor & Payroll Support
Don't let a late payment from a developer stop you from paying your crew. Use a revolving credit line to keep your payroll smooth.
Construction Funding Tips
The 'Retentions' Bridge
"Waiting on those 5% or 10% retentions can be a nightmare for your margins. You can actually get funding against your certified valuations so you don't have to wait 12 months for your final profit to hit your bank account."
Asset Refinance
"Got a fleet of vehicles or machinery sitting on the yard that you already own? You can 'refinance' them—essentially taking a loan against their value—to unlock instant cash for your next big project. It's a hidden goldmine."
CIS & Invoice Finance
"If you're a sub-contractor dealing with CIS deductions and long payment terms, Invoice Finance is your best friend. It gets you up to 90% of your invoice value immediately, so you can move straight onto the next job."
Construction Finance: A Closer Look
Why funding construction is fundamentally different — and how the right structure protects your margins.
The Construction Cash Flow Problem
Construction is one of the most cash-intensive sectors in the UK economy. Contractors routinely pay subcontractors weekly, settle materials invoices on 30-day terms, and then wait 60–90 days for the main contractor or developer to release stage payments. Add 5–10% retentions held back until practical completion — and sometimes a further 12 months until the defects period ends — and the working capital gap can easily swallow an entire project's profit margin. Specialist construction lenders understand this rhythm. They look at your contract pipeline, your certified valuations, and your application-for-payment history rather than treating you like a generic SME, which means terms are sized to the realities of CIS deductions, retentions, and staged drawdowns.
How Lenders Underwrite Construction Businesses
Mainstream banks often shy away from construction because of the high failure rate in the sector and the volatility of project margins. Specialist lenders — the ones we work with daily — take a different approach. They'll review your last 6 months of bank statements, your aged debtor report, and the contracts you have signed for the next 6–12 months. JCT-style contracts with reputable main contractors carry significantly more weight than verbal agreements or letters of intent. Directors with a clean trading history will usually be asked for a Personal Guarantee, but the loan-to-value on plant and equipment refinance is typically generous — often up to 70% of the asset's market value — because the lender has tangible security they can recover.
Choosing the Right Funding Structure
There is no single "construction loan" — the right product depends entirely on what you're trying to solve. If the bottleneck is slow payments from a main contractor, Invoice Finance or Construction Finance (which advances against applications-for-payment) is usually the cleanest fit. If you need a new excavator, telehandler or fleet of vans, Asset Finance spreads the cost over 3–5 years and keeps cash in the business. For one-off bridging — covering payroll while you wait for a stage payment, or buying materials in bulk for a discount — a short-term unsecured loan over 6–24 months is often the right call. We'll look at all three angles before recommending a route, because choosing the wrong product can cost you tens of thousands in unnecessary interest.
Eligibility Requirements
To qualify for our alternative business finance solutions, your business needs to meet these basic criteria
Quick Eligibility Check
UK Registered Company
Your business must be either a limited company, LLP, sole trader or partnership in the UK
Monthly Turnover £10k+
Minimum monthly turnover of £10,000 to qualify for funding
6+ Months Trading
At least 6 months of established trading history required
UK Resident Director
At least one director or shareholder must be a UK resident
Meet the criteria?
If your business meets these requirements, you could be eligible for funding despite bank declines
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Hundreds of UK businesses have relied on us when they needed funding fast.
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Construction Funding FAQs
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Get the funding you need to secure plant, materials, and labour. FCA-regulated, no upfront fees, 100+ specialist lenders who understand construction.