Quick answer — Yes, usually — how it works

Short answer: most construction companies can obtain quick working capital and asset financing through UK Business Loans because we connect your business to lenders and brokers who specialise in construction finance. The high-level process is simple:

1. Complete a short enquiry with the amount and type of finance required (this is not an application).
2. We match your request to lenders or brokers who have experience with construction sector risks (retentions, staged payments, plant hire, etc.).
3. A lender or broker contacts you to request supporting documents and provide quotes.
4. You compare offers and proceed directly with the provider you prefer.

Typical response times vary by product and complexity — from hours for invoice finance enquiries to several days for larger development or bridging finance. To start a free eligibility check now, click Get Quote Now.

Why construction companies need commercial finance now

Construction businesses face frequent and sizeable cashflow pressures even when healthy on paper. Common drivers include:

• Large upfront material purchases and labour costs before progress payments arrive.
• Retentions and delayed payments from clients or public sector contracts.
• Short-term gaps between staged payments on sites and supplier invoices.
• Need to buy, replace or expand plant, diggers, cranes or vehicle fleets.
• Opportunity-driven growth: winning a new contract often requires working capital to mobilise.

For these reasons contractors use a mix of working capital, invoice finance, asset and equipment finance, bridging or development facilities to keep projects running and to grow without diluting ownership.

Types of commercial finance construction businesses can access via our network

Quick working capital loans / cashflow loans

Short-term unsecured or secured facilities for gaps in cashflow. Useful for meeting payroll, buying materials and covering mobilisation costs. Typical terms range from a few months to a few years depending on security and lender—quoting speed is usually faster when documentation is robust and the amount is within the lender’s appetite.

Invoice financing / factoring

Invoice finance unlocks cash tied up in unpaid invoices and retentions. It can release a large % of invoice value quickly (often within 24–48 hours of approval) and is ideal when clients pay slowly but contracts are sound.

Asset finance (hire purchase, finance lease)

Hire purchase and finance leases let you acquire plant and machinery and spread the cost. Lenders take the asset as security — these products are commonly used for diggers, cranes, rollers and specialist site equipment.

Equipment & vehicle finance

Finance for vans, trucks, trailers and specialist transport fleets. Options include leases, chattel mortgages and hire purchase depending on how you want ownership to work over time.

Bridging & development finance (short-term)

Short-term bridging for site acquisitions, urgent project cashflow or to cover staged funding until longer-term finance is arranged. Development finance is available for project build phases but usually requires more extensive underwriting and security.

Refinancing / consolidation

If you carry expensive short-term debt, our partners can often arrange refinancing or consolidation to simplify payments and improve monthly cashflow.

We organise facilities from around £10,000 and above. Selecting the right product depends on purpose: use invoice finance for receivables, asset finance to buy plant, and bridging for time-limited gaps.

Free Eligibility Check — Get Started

Can UK Business Loans actually get you quick funding? The match-making advantage

UK Business Loans is an introducer that speeds up the early stages of a funding search. Instead of contacting multiple lenders yourself, you complete one short enquiry and we match your case to lenders or brokers who specialise in construction finance. Benefits include:

• Faster matches to lenders that have previously funded similar contractors and projects.
• Reduced admin: one enquiry sent to multiple suitable partners rather than filling many forms.
• Sector knowledge: brokers familiar with retentions, staged payments and typical construction securities.

Remember: submitting an enquiry is not an application — it simply allows our partners to assess your case and respond with options. For a quick match, start with a Free Eligibility Check.

Also learn more about commercial finance options and industry-specific products on our detailed commercial finance resource page about commercial finance: commercial finance.

What affects speed & eligibility?

Speed and eligibility depend on a mix of business profile, deal complexity and security. Common factors lenders evaluate include:

• Company trading history and turnover.
• Profitability and gross margins on contracts.
• Type of contracts (public sector, private developer, commercial) and payment terms.
• Credit history and director personal credit where guarantees are required.
• Security available (plant, property, debentures) and value of assets.
• Retention arrangements and progress claims on projects.

Documentation checklist (have these ready)

• Company registration and director details.
• Recent management accounts or annual accounts (usually last 12–24 months).
• Business bank statements (typically last 3 months).
• Copies of key contracts, purchase orders, invoices and retention schedules.
• Quotes or invoices for plant/equipment if seeking asset finance.
• Vehicle or asset valuations if offering security.

Complex projects (large developments, structured project finance) often need planning permission, appraisals and professional valuations, which increases underwriting time.

Typical timeline and what “quick” means

Timelines vary by product and lender. Typical examples (indicative only):

• Invoice finance: onboarding and first advance can be same day to 48 hours after checks.
• Asset finance (standard): credit decision often within 24–72 hours; delivery depends on supplier and logistics.
• Quick working capital loans: decisions in 24–72 hours for straightforward secured/unsecured cases.
• Bridging or development finance: 1–4 weeks depending on valuation, legal work and security.

UK Business Loans accelerates introductions — actual underwriting, documentation and funds disbursement are carried out by the lender or broker that contacts you.

Costs and transparency — what to expect

Costs depend on product, lender, deal size and security offered. Typical cost elements include:

• Interest rates or fees charged by the lender.
• Arrangement or facility fees.
• Broker fees (if applicable) — sometimes paid by the lender, sometimes visible to you.
• Early repayment charges or documentation fees.

Always request full terms, the APR equivalent (if applicable), an itemised breakdown of fees and an affordability explanation from any lender or broker we introduce. We recommend comparing quotes to understand total cost over the facility term.

Get Started — Free Eligibility Check

How to prepare to get the best, fastest quotes

Practical tips to speed up the process:

• Decide the exact amount required and the purpose (e.g. buy 2 excavators, cover 3 months payroll, bridge contract retention).
• Gather the documentation listed above before you submit your enquiry.
• Be transparent about credit issues and historic arrears — brokers can often find specialist lenders for non-standard credit.
• Where buying plant, obtain supplier quotes to speed asset finance underwriting.
• Have a named contact who can respond quickly to lender questions to shorten the cycle time.

Ready to be matched? Complete a short form now: Free Eligibility Check — it takes around 2 minutes.

Why choose UK Business Loans (trust & process)

UK Business Loans provides a time-saving route to market by introducing construction firms to lenders and brokers with relevant sector experience. Key advantages:

• Fast matching — one short enquiry, multiple potential partners.
• Specialist focus — connections to lenders who regularly finance plant, projects and contractor cashflow.
• Free to use — our service is free to businesses; we are paid by partners for introductions.
• Data protection — we only share essential details with selected partners relevant to your request and with your consent.

Microcopy: We are not a lender. By submitting an enquiry you consent to being contacted by selected lenders/brokers who can offer finance options. You are under no obligation to accept any offer.

FAQs

Can I get finance with poor credit?

Possibly. Some specialist lenders in our network consider cases with imperfect credit, especially where there is strong contract security, high-value assets or proven cashflow. Be upfront about credit history so brokers can target the correct panel.

How quickly will lenders contact me after I apply?

Often within hours during business hours for simple requests. For complex development or large-value bridging cases it may take several working days to arrange site visits, valuations and legal checks.

Do you charge to use UK Business Loans?

No — our introducer service is free for businesses. We receive payment from lenders or brokers for successful introductions. You are not obliged to accept any quote you receive.

Do you provide financial advice?

No — UK Business Loans introduces you to lenders and brokers. Any regulated advice or detailed suitability assessment will be provided by the lender or broker you choose to work with.

What information will I need to provide?

Basic company details, turnover, the amount and purpose of finance, recent accounts or management accounts, and a contact person. For asset purchases, supplier quotes are helpful.

Next steps — Get matched & receive quotes

Ready to explore options? Completing the short enquiry takes around two minutes and lets us match your construction company to lenders and brokers who can provide fast, relevant quotes. Start a Free Eligibility Check now — no obligation, and only essential information is required.

Microcopy: By submitting the enquiry you consent to UK Business Loans passing your details to suitable lenders/brokers and receiving contact about finance options. We only share your details with approved partners relevant to your request. Read our Privacy Policy.

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UK Business Loans is an introducer — we do not lend money or provide regulated financial advice. We connect you to lenders and brokers who can discuss terms and suitability. Offers and eligibility are subject to lender checks and documentation. Terms, rates and availability vary.

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