Flexible Working Capital for Facilities Management & Building Services

Quick summary: Yes — UK Business Loans can help facilities management and building services businesses access flexible working capital by introducing them to specialist lenders and brokers offering invoice finance, contract finance, asset finance, short-term business loans and overdrafts. We are an introducer (not a lender); complete a short, no‑obligation enquiry and we’ll match your company to suitable finance partners for quotes from around £10,000 upwards. Free Eligibility Check

Short answer — do we offer flexible working capital to facilities management providers?

Yes. UK Business Loans does not provide finance directly, but we introduce facilities management and building services companies to specialist lenders and brokers who offer flexible working capital solutions. These partners provide products such as invoice finance, contract/retention finance, asset and vehicle finance, short-term business loans and business overdrafts — typically for funding requests from around £10,000 upwards. Get Quote Now

Why facilities management businesses need flexible working capital

Facilities management (FM) and building services firms face cashflow pressure from predictable and unpredictable sources. Large contracts often require upfront purchase of materials, mobilisation of crews and payment of subcontractors. Retentions and long client payment terms (often 30–120 days) tie up cash. Seasonal dips, reactive work spikes and the cost of maintaining service vehicles and equipment compound the challenge.

• Payroll & crews: Mobile teams must be paid weekly or monthly even if clients pay later.
• Supplier bills: Bulk purchases for a contract can create short-term funding gaps.
• Contract wins: Winning a new multi-site or reactive maintenance contract may need cash to mobilise.
• Growth & fleet: Replacing vans, buying tools or investing in diagnostic equipment requires capital.

Flexible working capital bridges these gaps so you can deliver on contracts, retain staff and grow without sacrificing margins. If you want help exploring options quickly, try our Free Eligibility Check.

Which finance options suit building services & FM?

Different products fit different situations. Below are the common options lenders/brokers use for FM and building services businesses.

Invoice finance / factoring

Invoice finance unlocks cash tied up in unpaid invoices. You sell (factoring) or use invoices as security (discounting) to receive an advance, typically between 70–90% of invoice value depending on risk and sector. It suits businesses with a steady stream of B2B invoices and helps smooth payroll and supplier payments.

Contract & retentions finance

Designed for firms working on long contracts with retention clauses or staged payments. Contract finance releases funds against confirmed contracts or outstanding retention balances so you don’t need to wait months to be paid after completing work.

Asset & equipment finance

If you need vans, plant, tools or HVAC equipment, asset finance spreads the cost over time. Options include hire purchase and leasing, and they free up cash for day‑to‑day operations while you use the asset.

Business loans & overdrafts

Term business loans or overdrafts can be used for short-term bridging, working capital injections, or capex. These are suitable for one-off funding needs like a fleet purchase or a seasonal cashflow shortfall.

Merchant cash advance / card receivables finance

For FM businesses with regular card payments, merchant cash advances allow you to borrow against future card sales. Repayments are usually variable and linked to sales volumes.

Each solution has pros and cons. To find the best fit for your business circumstances, request a Free Eligibility Check and we’ll match you to the right partners.

Real-world use cases: How working capital helps FM firms win & operate

Use case 1 — Winning a large reactive maintenance contract

Scenario: A national client awards a package requiring mobilisation of crews and immediate purchase of materials for several weeks. Cash is needed before the first invoices are issued.

• Possible finance solution: Invoice finance to unlock early cash, or short-term business loan while invoices are raised.

Use case 2 — Managing supplier payment cycles

Scenario: Suppliers require 14–30 day payment for materials but clients take 60–90 days to pay. The mismatch strains liquidity.

• Possible finance solution: Invoice discounting or contract finance to cover supplier payments until client receipts arrive.

Use case 3 — Expanding fleet or buying plant

Scenario: To take on larger contracts you need new vans and specialist equipment but don’t want to drain working capital.

• Possible finance solution: Asset finance (hire purchase or lease) to spread cost and preserve cash.

Use case 4 — Seasonal slow periods or bidding for new work

Scenario: Business slows in certain months yet staffing and vehicle costs remain fixed; meanwhile you want to bid competitively for new contracts.

• Possible finance solution: Business overdraft or short-term loan to cover the seasonal dip and support competitive bidding.

Who can apply & what lenders typically look for

Eligibility varies by lender and product. Common criteria include:

• Company type: Usually limited companies and LLPs — lenders will confirm acceptable structures.
• Trading history: Many lenders prefer at least 12 months trading; some specialist funders accept shorter histories.
• Turnover & invoice profile: Regular B2B invoices, contract sizes and average invoice value matter for invoice finance.
• Contracts & pipeline: Evidence of ongoing or future contracts improves terms for contract finance.
• Director information: ID, proof of address and director background checks are standard; credit history is reviewed by some lenders.

Submitting an enquiry to us does not affect your credit score. Lenders may perform credit checks only if you proceed with an application. To see if you qualify, complete a quick form: Free Eligibility Check.

Our process — how UK Business Loans matches you (fast, free, no obligation)

1. Complete a short enquiry — tell us your company name, funding amount (from ~£10,000), purpose and contact details (takes 2 minutes).
2. We match you — our introducer service connects your request to specialist brokers and lenders best suited to FM and building services businesses.
3. You receive quotes & contact — partners contact you with tailored options; compare terms and choose what fits best.

Start the process here: Get Started Free Eligibility Check.

Documents & information you’ll typically need

Having these ready speeds up responses:

• Company registration number and registered address
• Recent management accounts or last 12 months’ business bank statements
• Copies of key contracts, purchase orders or pipeline evidence
• Sample invoices (for invoice finance) and details of typical debtor terms
• Details of assets to be financed (for asset finance)
• Director ID and proof of address

Tip: preparing these documents before you submit the enquiry helps brokers deliver faster, more accurate quotes.

Costs, terms and transparency — what to expect

Costs vary widely depending on product, credit profile, contract risk and asset type. Typical considerations:

• Invoice finance: fees and discount rates applied to advanced amounts; service fees for collections/administration.
• Asset finance: interest or rental costs and possible deposit; terms from 12–60 months commonly available.
• Business loans/overdrafts: fixed or variable rates, arrangement fees, repayment schedules.

We only introduce you to lenders/brokers — they will provide full terms and transparent fees in their quotes. There are no obligations when you request quotes via our enquiry form: Free Eligibility Check.

Frequently asked questions

Do you lend directly to facilities management companies?

No. UK Business Loans is an introducer that connects your business to finance brokers and lenders who can offer funding directly.

Will submitting an enquiry affect my credit score?

No — a short enquiry through our form does not affect your business credit score. Lenders may do credit checks later if you apply directly.

How quickly can I get funds?

Timescales depend on the product: invoice finance and some contract funding can be arranged in days for qualifying businesses. Asset finance and term loans typically take longer as underwriting and valuation are required. Use our Free Eligibility Check to get an indicative timeline for your case.

What funding amounts are typical?

Our partners commonly arrange funding from around £10,000 up to several million, depending on lender appetite and product.

Can businesses with previous credit issues apply?

Yes — some specialist lenders and brokers consider applications from businesses with adverse credit or previous refusals. Provide full details in your enquiry so we can match you properly.

Ready to get a free eligibility check and quotes?

Complete our short form and we’ll match your facilities management business to lenders and brokers who understand building services. It’s quick, free and no obligation: Free Eligibility Check.

Further reading & related links

• building services business loans — sector page with additional guidance on finance for building services and construction firms.
• Invoice finance — how it works
• Asset & vehicle finance
• FCA guidance on financial promotions (external)

1. How can facilities management companies get flexible working capital?
UK Business Loans introduces FM and building services firms to specialist lenders and brokers who provide invoice finance, contract finance, asset finance, short‑term loans and overdrafts to deliver flexible working capital.

2. What finance options suit building services and facilities management businesses?
Common solutions for building services include invoice finance, contract/retention finance, asset & vehicle finance, business loans/overdrafts and merchant cash advances depending on your cashflow and capex needs.

3. How much funding can I apply for as a facilities management or building services business?
Our partners commonly arrange funding from around £10,000 up to multi‑million pound facilities depending on the lender, product and your company profile.

4. Will submitting an enquiry through UK Business Loans affect my credit score?
No — completing our free eligibility enquiry is not a credit application and does not affect your business credit score; lenders may perform checks only if you formally apply.

5. What documents do lenders typically require for invoice or contract finance?
Lenders usually ask for company registration details, recent management accounts or business bank statements, sample invoices, contracts or purchase orders, asset details (if applicable) and director ID/proof of address.

6. Can a building services business with bad credit get finance?
Yes — some specialist lenders and brokers in our network consider businesses with adverse credit histories, though terms and availability will depend on the specific circumstances.

7. How quickly can I get funds for working capital or to mobilise a contract?
Timescales vary by product — invoice and some contract funding can be arranged within days for qualifying businesses, while asset finance and term loans typically take longer due to underwriting and valuations.

8. Do you lend directly or provide regulated financial advice to FM companies?
No — UK Business Loans is an introducer that connects you with FCA‑regulated brokers and lenders; we do not lend money or provide regulated financial advice.

9. What costs and fees should I expect for invoice finance, asset finance or business loans?
Costs vary by product and risk profile but commonly include discount/advance fees and administration charges for invoice finance, interest/rental and possible deposits for asset finance, and interest plus arrangement fees for loans or overdrafts.

10. How do I start a free eligibility check for a business loan or working capital for my building services firm?
Complete the short online enquiry with basic company details, funding amount and purpose and we’ll match you to suitable lenders and brokers who will provide no‑obligation quotes.