Building services business loans — do we work with lenders and brokers who follow FCA rules and Treating Customers Fairly?

Short answer: Yes — UK Business Loans is an introducer (we don’t lend and we don’t give regulated advice). We match building services firms with lenders and brokers who must follow clear regulatory and consumer‑protection expectations where those rules apply. Complete a quick, no‑obligation Free Eligibility Check to see which partners are likely to help your business obtain funding of £10,000 and up.

Get Quote Now — Free Eligibility Check

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Quick answer: yes — how we protect building services businesses

UK Business Loans is a commercial introducer. We don’t provide loans or regulated financial advice — we pass your enquiry to selected lenders and brokers who specialise in the building services sector (construction contractors, electricians, plumbers, HVAC engineers, sustainability installers and similar). Where a product or broker requires FCA authorisation, we prioritise partners with the right permissions and demonstrable Treating Customers Fairly (TCF) practices.

What you get when you use our service:

• Fast, no‑obligation Free Eligibility Check and a clear next step — Get Quote Now.
• Matches to lenders and brokers who understand building‑services cashflow cycles, staged drawdowns and asset requirements.
• A short, secure enquiry — no credit search at the enquiry stage.
• Transparent introductions so you can request full terms, fees and Key Facts before you proceed.

Important: we do not handle sole trader or professional practice lending and we commonly arrange loans and finance from £10,000 upwards.

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What FCA compliance and “Treating Customers Fairly” (TCF) mean for you

What is the FCA and why it matters

The Financial Conduct Authority (FCA) is the UK regulator that sets rules and supervises firms offering many financial products. For customers, the FCA’s role is to ensure firms act honestly, transparently and in customers’ best interests where that legal framework applies.

What “Treating Customers Fairly” means in practice

TCF is a principle requiring firms to design products, communications and complaint processes that avoid harm and deliver fair outcomes. In plain English, TCF means:

• Clear, accurate information so you can compare options.
• Products and lending terms that are suitable for the customer’s needs.
• Honest sales and marketing — no aggressive or misleading promotions.
• Reasonable complaints handling and remediation if things go wrong.
• Accessible support and no unreasonable barriers to switching or exiting a product.

Note: commercial lending and some B2B finance sits outside parts of the FCA consumer rules — but many lenders and brokers operate to TCF principles voluntarily and/or are FCA‑authorised for similar product types. We look for these standards in every partner we introduce.

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How UK Business Loans verifies partners: our vetting process

We maintain a documented vetting process to reduce risk and help you pick reputable partners. Our checks include:

1. Regulatory status review — we check the FCA Register for firms that claim authorisation and confirm the specific permissions they hold (if any).
2. Permissions & product fit — we confirm whether the broker or lender has appropriate permissions for the product they propose to offer.
3. Complaints handling — we require published complaints processes and examples of how complaints are resolved.
4. Marketing and financial promotions — all partner materials must be clear, fair and not misleading.
5. AML, KYC & data security — partners must have up‑to‑date anti‑money‑laundering checks, KYC procedures and GDPR‑compliant data controls.
6. Practical experience & reputation — we review sector experience, client references, case studies and independent reviews.
7. Ongoing re‑validation — partners are re‑checked on a regular cycle to ensure details remain current.

We also track product suitability for building services work — for example, whether lenders offer staged drawdowns for contract jobs, or asset‑backed finance for plant and vehicles.

Free Eligibility Check — Get Started

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Specific protections and points that matter if you run a building services business

Construction and building services businesses have particular needs. When you consider an offer, watch for these items and ask for them in writing:

• Security and personal guarantees: Understand exactly what assets are taken as security (plant, vehicles, property) and whether directors will be asked for personal guarantees.
• Interest, fees and APR equivalents: Get a full breakdown of arrangement fees, early repayment charges, missed payment penalties and how interest is calculated on staged drawdowns.
• Drawdown & staged payment terms: If you need release of funds against contract milestones, make sure the lender’s drawdown process fits your project timeline.
• Asset finance options: Hire purchase vs operating lease vs finance lease — check ownership timing, VAT treatment and balance sheet impact.
• Sustainability project finance: For solar, heat pumps or EV charger installs, ask about specialist green lenders and whether grant or incentive schemes can be integrated into the funding plan.

Before agreeing, always request a written Key Facts Illustration or a clear breakdown of costs and conditions from the lender or broker you deal with.

For sector‑specific guidance and examples of how finance can be structured for installers, see our page on building services business loans.

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What UK Business Loans does — and what we don’t do

Transparency is important. We:

• Introduce your enquiry to selected UK lenders and brokers who work with building services firms.
• Provide a fast, secure matching service and help you understand typical product types available for your need.
• Operate a free service to businesses — there’s no charge to submit an enquiry. We earn a fee from partners when a match progresses.

We do not:

• Lend money directly.
• Give regulated financial advice — if your chosen broker or lender is FCA‑authorised they may provide regulated advice directly to you.
• Guarantee funding — eligibility depends on lender criteria and your business circumstances.

Before you accept any product, check the lender or broker’s regulatory status on the FCA Register and ask for written terms and a Key Facts breakdown.

Get Quote Now — Free Eligibility Check

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Real-world examples / anonymised case studies

Want to see similar solutions for your trade? Start your Free Eligibility Check.

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How to check a lender or broker yourself (actionable checklist)

If you want to vet a firm directly, here’s a short checklist you can use:

• Search the FCA Register (register.fca.org.uk) for the firm name and check permissions.
• Ask whether the firm provides regulated advice for the product you’re considering.
• Request a written quote showing interest, fees, APR equivalent and all charges.
• Check published complaints information and response times.
• Confirm AML/KYC and data privacy procedures — who will hold your data and how it’s used.
• Request references or case studies for businesses like yours.

If you prefer us to do the checks and the matching for you, complete a quick form — Free Eligibility Check.

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Frequently asked questions

Are you FCA‑regulated?

No. UK Business Loans is an introducer that connects businesses to lenders and brokers. We do not lend and we do not give regulated financial advice. You will deal directly with the lender or broker who may be FCA‑authorised and can supply details about their regulatory status.

Will submitting an enquiry affect my credit score?

No — submitting our enquiry form does not trigger a credit search. Lenders may carry out credit or affordability checks later if you progress an application.

Do you charge businesses to use your service?

No. Our matching service is free for businesses. We typically receive a fee from our partner when an introduction progresses.

How quickly will lenders or brokers contact me?

Often within hours during business hours — response times depend on partner availability and the complexity of the request.

Are your partners experienced in construction and sustainability projects?

Yes. We match you to partners who specialise in building services, construction cashflow, asset finance and green installations where relevant.

What information do I need to provide?

Basic business details, the amount and type of finance you’re seeking, and contact details. We’ll only share your details with approved partners who can help.

What if I’m refused by a lender you introduce?

Being refused by one lender does not prevent other lenders from considering your request. We can often match you to different partners with alternative criteria.

How do I complain about a lender or broker?

Contact the lender or broker first using their complaints process. If you remain unsatisfied and the firm is within the remit of the Financial Ombudsman Service, you may be able to escalate the complaint to the Ombudsman.

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Next steps — Get a free eligibility check & fast quotes

Ready to explore funding options tailored to building services? Our short enquiry takes about 2 minutes. After you submit:

1. We match your details to the most suitable lenders and brokers in our panel.
2. Approved partners review your enquiry and contact you with possible options and a clear breakdown of costs.
3. You compare offers and decide whether to proceed — there’s no obligation.

Start your Free Eligibility Check — Get Quote Now

We only share your information with approved lenders and brokers who specialise in building services funding. You remain under no obligation.

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Useful links & resources

• FCA Register
• Financial Ombudsman Service
• Federation of Master Builders
• UK Business Loans — home
• Free Eligibility Check / Get Quote
• Privacy policy (link to your published policy)
• Terms & conditions (link to your published terms)

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Image suggestions (for publishing)

• Suggested: building-services-team-on-site-van.jpg
• Suggested: contractor-meeting-broker.jpg
• Suggested: solar-installation-finance.jpg

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Compliance note: UK Business Loans is not a lender and does not give regulated financial advice. We act as a commercial introducer and will pass your enquiry to approved lenders and brokers. Please check any firm’s regulatory status using the FCA Register and request a full Key Facts document and written terms before accepting any finance product.

1. Are UK Business Loans FCA‑regulated?
No — UK Business Loans is a commercial introducer (we don’t lend or give regulated advice) and you should check any lender or broker’s FCA authorisation on the FCA Register before proceeding.

2. Will submitting a Free Eligibility Check affect my credit score?
No — submitting our enquiry form does not trigger a credit search, although lenders may carry out credit or affordability checks later if you progress an application.

3. How much can I borrow for building services business loans?
We commonly match building services firms to lenders offering finance from around £10,000 up to multi‑million facilities depending on the product and your circumstances.

4. Do you charge businesses to use your matching service?
No — our matching service and Free Eligibility Check are free for businesses; we typically receive a fee from our partner if an introduction progresses.

5. How quickly will I get responses or quotes from lenders and brokers?
Many partners respond within hours during business days, though response times depend on partner availability and the complexity of your request.

6. Can you match me with lenders who provide asset finance, staged drawdowns or sustainability project finance?
Yes — we connect building services businesses with specialists in asset finance (vans, plant, equipment), staged drawdowns for contract work and green finance for solar, heat pumps and similar installs.

7. What information and documents do I need to provide to get matched?
Initially you only need basic business details, the type and amount of finance required and contact details; lenders may later request accounts, bank statements, ID (KYC) and security information.

8. Do your partners follow Treating Customers Fairly (TCF) and other consumer‑protection standards?
Yes — we prioritise partners who are FCA‑authorised where required or who demonstrate clear TCF practices, fair marketing, complaints processes and AML/KYC controls.

9. Will lenders ask for security or personal guarantees for building services loans?
Possibly — many commercial lenders may require assets as security or director personal guarantees depending on the product, so always request written details of security and guarantee terms before accepting an offer.

10. What checks should I do before accepting a business loan offer?
Verify the lender or broker’s FCA status on the FCA Register, request a Key Facts Illustration or full written breakdown of interest, fees and APR equivalents, confirm complaint and data‑privacy procedures, and check suitability for your building services project.