Building Services Business Loans and Finance (UK) – Fast, No‑Obligation Eligibility Check
If you run a building services firm, you know cash flow can be tight: up‑front materials, staged payments, retentions, and long cycles between application, certification and payment. UK Business Loans connects building services contractors and trades with trusted UK lenders and brokers who understand your projects, contracts and payment profiles.
We’re an introducer, not a lender. Use our free eligibility check and get matched with specialists for quick quotes — with no obligation to proceed.
Get Started – Free Eligibility Check Get Quote Now Start Your Enquiry (2‑minute form)
At a glance: Building services finance made simple
- Who it’s for: M&E contractors, HVAC, plumbing, electrical, fire & security, facilities maintenance, fit‑out, data cabling, BMS/controls, renewables installers, and related trades.
- Use cases: Working capital, materials, labour, vans and plant, specialist kit, project ramp‑up, bridging payment gaps, VAT/tax, refurbishments, multi‑site rollouts.
- Typical amounts: From around £10,000 to £5 million+ depending on your business, security and facility type.
- Speed: Approvals can be quick; some facilities complete within days once documents are provided.
- Cost: Rates and fees depend on facility type, risk profile and term. Quotes are tailored — no obligation.
- Coverage: We connect UK businesses with reputable UK‑based lenders and brokers.
Who we help in building services
- Mechanical & electrical (M&E) contractors
- HVAC installers and maintenance providers
- Plumbing and heating companies
- Electrical contractors and NICEIC‑registered firms
- Fire, CCTV, access control and security integrators
- Facilities management and PPM providers
- Shopfitters, office fit‑out and refurbishment specialists
- Data cabling, networks and BMS/controls contractors
- Solar PV, heat pump and EV chargepoint installers
- Specialist subcontractors working under JCT/NEC frameworks
- UK limited companies, LLPs and incorporated start‑ups
What you can finance
- Up‑front materials and plant for new contracts
- Labour and subcontractor costs ahead of client payment
- Tools, test equipment and specialist kit (e.g., thermal imaging, commissioning tools)
- Vans, ULEZ‑compliant vehicles and small fleet
- Larger assets: generators, chillers, air handling units, boilers
- Project ramp‑up and mobilisation costs
- Insurance, accreditations and certifications
- Office, shop or warehouse fit‑outs and refurbishments
- VAT and corporation tax to smooth cash flow
- Marketing, tendering and estimating resource
Finance options for building services firms
Unsecured business loans
- Use: General working capital, materials, labour, marketing.
- Typical terms: Around 6–60 months; early settlement options are often available.
- Considerations: Directors’ guarantees are common; affordability assessed on bank statements and trading history.
Secured business loans
- Use: Larger sums or lower rates, secured on property or business assets.
- Typical terms: Medium to long term; valuation and legal process required.
- Considerations: Security reduces lender risk; completion can take longer.
Invoice finance for construction and building services
- Use: Release cash from applications for payment, certified invoices and stage bills.
- Variants:
- Construction‑aware invoice finance (may support uncertified applications, certificates and retentions with specialist lenders)
- Selective invoice finance (pick specific invoices)
- Whole‑turnover facilities (ongoing ledger funding)
- Benefits: Scales with growth; reduces reliance on overdrafts; can include credit control support.
Asset and equipment finance
- Use: Fund tools, test equipment, plant and specialist M&E/HVAC assets.
- Structures: Hire purchase, finance lease, operating lease, refinance of owned assets.
- Benefits: Spread cost over useful life; protect working capital.
Vehicle and fleet finance
- Use: Vans, HGVs, electric vehicles and fleet upgrades.
- Structures: HP, lease, PCP‑style business products, fleet management options.
VAT and tax loans
- Use: Spread HMRC liabilities over 3–12 months to smooth cash flow.
- Benefits: Avoids cash dips during busy project phases.
Merchant cash advance and card turnover funding
- Use: Where a portion of revenue is card‑based (e.g., service/maintenance).
- Repayment: As a percentage of card takings; flexible with seasonality.
Short‑term bridging and development‑linked finance
- Use: Specific, secured short‑term needs tied to property or project assets.
- Considerations: Specialist product with higher costs; clear exit plan needed.
Important note: Availability, eligibility and pricing vary by lender and your circumstances. Quotes are tailored and there’s no obligation to proceed.
Why building services firms choose UK Business Loans
- Sector‑aware partners: Be introduced to lenders/brokers who understand applications for payment, certifications, retentions and JCT/NEC processes.
- Fast, simple, free: Two‑minute form; matched to relevant partners; get quick responses. No fees from us to you.
- Trusted network: We work with reputable UK brokers and lenders experienced in funding building services businesses.
- No obligation: Compare options and proceed only if a facility suits your business.
- Secure and confidential: Your details are shared only with matched partners relevant to your enquiry.
- Nationwide coverage: England, Scotland, Wales and Northern Ireland.
How it works
- Complete a quick enquiry
Two minutes. Tell us about your business, turnover, time trading, and what you’re funding. - Get matched with specialists
We introduce you to finance partners that fit your profile and requirements. - Receive fast contact
Expect a call or email — often within hours — to discuss options, indicative terms and documents. - Compare and choose
Review quotes and choose what suits your cash flow and risk appetite. No obligation to proceed. - Fund and grow
On approval, funds or facilities can be in place quickly (timelines vary by product).
Get Started – Free Eligibility Check
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Eligibility and documents checklist
Eligibility factors often considered
- UK‑based limited company, LLP or PLC
- Time trading (newly incorporated businesses can be considered by some lenders)
- Turnover and business bank statements
- Profitability and cash flow
- Credit history (imperfect credit may still be considered)
- Security available (if pursuing secured or asset‑backed options)
- Contract pipeline and debtor quality (for invoice finance)
- Limited company subcontractors operating under CIS (for certain products)
Useful documents to prepare
- Last 3–6 months’ business bank statements
- Latest management accounts and/or filed accounts
- Aged debtor/creditor lists (for invoice finance)
- Sample contracts or applications‑for‑payment process
- Asset list/quotes (for asset/vehicle finance)
- ID and proof of address for directors/owners
- HMRC references (for VAT/tax loans)
Costs, terms and responsible borrowing
- Pricing: Depends on facility type, trading profile, security and term. Secured asset finance, unsecured working capital and selective invoice finance are priced differently. Your matched partners will provide tailored, transparent quotes and explain all fees.
- Terms: From short‑term (3–12 months) to multi‑year for asset‑backed facilities. Invoice finance is typically revolving.
- Fees: Some products include arrangement or documentation fees charged by the lender/broker. We don’t charge you a fee for using our matching service.
- Repayment: Fixed monthly repayments for loans and HP; variable draw/use‑based fees for revolving facilities (e.g., invoice finance).
- Risks: Missing payments can affect your credit profile and may lead to asset repossession where security is used. Only borrow what your business can afford. Discuss risks and alternatives with the lender/broker.
We aim to ensure all information is clear, fair and not misleading. All quotes are subject to status, underwriting and terms.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Illustrative scenarios (for guidance only)
Scenario 1: HVAC contractor bridging stage payments
Need: £150,000 to fund materials and labour ahead of certification on a hospital AHU upgrade.
Solution introduced: Construction‑aware invoice finance to fund certified applications; selective draw on larger stages.
Outcome: Improved cash flow, no project delays, capacity to bid for an additional NHS framework lot.
Scenario 2: Electrical firm upgrading vans and test kit
Need: £95,000 for five ULEZ‑compliant vans and updated testing equipment.
Solution introduced: Split facility with vehicle HP and equipment finance aligned to asset lifespan.
Outcome: Lower monthly outlay than cash purchase, improved engineer productivity and compliance.
Scenario 3: FM provider smoothing quarterly VAT
Need: £60,000 to spread an upcoming VAT bill during a mobilisation phase.
Solution introduced: VAT loan over six months.
Outcome: Preserved working capital without delaying HMRC payment.
These examples are indicative only. Actual terms and outcomes vary.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
FAQs: Building services business loans
Do you support applications for payment and uncertified invoices?
Some specialist lenders do. Others require certification or standard invoices. Your matched partner will confirm what’s eligible.
Can CIS limited company subcontractors apply?
Yes, incorporated subcontractors operating under CIS can be considered by many lenders, subject to status.
How quickly can funding be arranged?
Simple unsecured facilities can complete in days once documents are supplied. Asset finance and secured lending can take longer due to valuations and legal checks. Invoice finance onboarding typically completes within 1–3 weeks.
Will my enquiry affect my credit score?
No. Using our form won’t affect your credit score. If you proceed, partners may conduct credit/reference checks as part of underwriting.
Do you charge fees?
No, our service is free to UK business owners/directors. Lender or broker fees (if any) will be disclosed by the partner providing the facility.
What amounts are available?
We introduce partners offering from around £10,000 up to multi‑million facilities, depending on the product and your business profile.
Can start‑ups get finance?
Yes, some lenders specialise in early‑stage incorporated businesses, especially for asset/vehicle finance. Security and personal guarantees are common.
What security is required?
It depends. Unsecured loans often require a personal guarantee. Secured loans and asset finance use business or property assets as security. Your partner will explain all obligations.
Do you operate nationwide?
Yes — we support businesses across England, Scotland, Wales and Northern Ireland.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Are personal guarantees always needed?
Not always. Some facilities can be secured on assets instead, while many unsecured options do require a personal guarantee. Your matched partner will outline requirements.
Compliance, transparency and fair promotion
- UK Business Loans (ukbusinessloans.co) is an introducer. We are not a lender and we do not provide financial advice.
- We introduce UK businesses to trusted brokers and lenders. Any finance is provided directly by those third parties.
- All information on this page is general and for guidance only. Eligibility and terms depend on your circumstances, product type and lender criteria.
- Late or missed payments can impact your credit profile and your ability to obtain future credit. If a facility is secured, your asset may be at risk if you do not keep up repayments.
- Ensure any finance is appropriate for your needs. Consider seeking independent professional advice where required.
- We aim for communications that are clear, fair and not misleading.
Related pages
– What is UK Business Loans and how does it work?
UK Business Loans is not a lender or advisor; we match UK businesses with trusted, FCA‑regulated brokers and lenders via a quick online enquiry so you can compare UK business finance deals fast.
– Does it cost anything to use UK Business Loans?
No—our introducer service is completely free and there’s no obligation to proceed with any offer.
– Will submitting an enquiry affect my credit score?
No, completing our form won’t affect your credit score; partners may run checks only if you decide to proceed.
– How quickly will I get a response after I apply online?
You’ll typically hear from matched UK lenders or brokers within hours.
– What loan amounts are available for UK SMEs and start-ups?
Our partners consider funding from around £5,000 to over £5 million, subject to eligibility and lender criteria.
– What types of business finance can I compare?
We connect you to unsecured and secured business loans, cashflow loans, invoice finance, asset and equipment finance, vehicle and fit‑out finance, refinance, expansion and sustainability (green) loans.
– Can I apply if I’m a start-up or have bad credit?
Yes—many of our partners consider start‑ups and businesses with imperfect credit histories.
– Are your lenders FCA‑regulated and is my data handled securely?
Yes, we only introduce to reputable, FCA‑regulated brokers and lenders, and we share your details securely with relevant partners only.
– What interest rates and repayment terms can I expect?
Rates and terms vary by lender, sector, credit profile and whether the loan is secured or unsecured, so comparing multiple offers helps you find the best deal.
– How do I start my application and what information is required?
Click “Start Your Enquiry” and provide basic business and funding details, then review and compare offers from the partners we connect you with.