Construction business loans — do we work with construction firms across England, Scotland, Wales & Northern Ireland?

Summary: Yes — UK Business Loans works with construction companies across England, Scotland, Wales and Northern Ireland. We introduce construction businesses (limited companies and partnerships) that need funding of approximately £10,000 and above to vetted lenders and specialist brokers who understand construction finance, regional markets and project cycles. Complete a quick, free enquiry and receive a no‑obligation eligibility check and rapid, indicative quotes from partners who may contact you by phone or email. Get Quote Now

Short answer — yes (and how we operate)

Yes. We work with construction firms across every nation and region of the UK. We do not lend directly — UK Business Loans is an introducer that connects construction businesses to specialist lenders and brokers that provide construction finance solutions. Our role is to match you quickly and accurately so you can compare options without having to contact multiple providers yourself.

We’re an introducer, not a lender

We do not provide money ourselves or give regulated financial advice. When you submit an enquiry we will use the information you provide to match your business with lenders and brokers who may be able to help. Our service is free and you are under no obligation to proceed with any offer you receive. Submitting an enquiry is not an application — it’s just information to help us find the most relevant partners for your needs.

Free Eligibility Check — the enquiry takes under two minutes and helps us select the most suitable partners for your business.

Who in construction we help (examples & common uses)

We work with a wide range of construction businesses operating across project types and sizes. Typical clients include:

• Main contractors and sub-contractors (civil, structural, M&E)
• Residential and small-scale commercial developers
• Plant hire and equipment rental companies
• Trades and building services firms (joinery, roofing, plastering, HVAC)
• Groundworks, highways and civils contractors
• Companies delivering contract work for private clients or public-sector projects

Common reasons construction firms seek finance:

• Working capital to mobilise new contracts, buy materials and pay labour
• Managing retentions and bridging cashflow gaps between milestones
• Purchasing or refinancing plant, machinery and vehicles
• Staged development finance for small sites or conversions
• Invoice finance to unlock cash tied up in unpaid invoices
• Short-term bridging for urgent opportunities

For more detail on tailored solutions see our page about construction business loans.

Get Quote Now — quick, no obligation and suitable for loan requests from about £10,000 upwards.

Geographic coverage — England, Scotland, Wales, Northern Ireland

We cover the whole of the UK. While many finance products are available nationwide, local market conditions, funder relationships and regional programmes can affect which lenders will offer the best terms. Our matching process takes that into account so you get introductions to partners who understand your region’s specifics.

England

England has the most diverse lender market with nationwide commercial banks, specialist development financiers and private funders. Regions such as London and the South East often have larger development finance activity; the Midlands and North feature both national and regional specialist lenders for contractors and developers.

Scotland

Scotland benefits from lenders and brokers with experience of Scottish planning, procurement and public-sector frameworks. We frequently match Scottish contractors and developers to partners familiar with local processes and grant or support schemes.

Wales

In Wales there are growing SME finance options and devolved programmes that local lenders and brokers know how to access. Funding for sustainable or regeneration projects is increasingly available through regional initiatives.

Northern Ireland

Northern Ireland has a more relationship-driven lending market and specialist providers who understand cross-border supply chains, VAT and procurement nuances. We link local firms to lenders experienced in that market.

No matter where you trade in the UK, our matching process aims to connect you with partners who have relevant regional experience.

Start Your Enquiry — Free Eligibility Check

Types of finance we can arrange for construction firms

We can introduce you to providers offering a broad set of construction finance solutions:

• Business loans (secured and unsecured) — from approximately £10,000 upward
• Development finance — plot purchase and staged build funding
• Bridging finance — short-term solutions for urgent funding gaps
• Invoice finance / factoring — unlock cash tied up in invoices
• Asset finance & hire purchase — plant, machinery and equipment
• Vehicle & fleet finance — vans, trucks and fleet replacement
• Contract & mobilisation finance — advance funding against contract milestones
• Performance bonds and guarantees — where required by clients or public contracts

Which option suits you depends on the scenario:

• Buying plant or equipment → asset or equipment finance
• Cashflow between invoices → invoice finance or short-term loan
• Staged project funding → development finance
• Urgent purchase or settlement → bridging finance

Free Eligibility Check — tell us the amount and purpose and we’ll match you to the right solution providers.

Typical eligibility and documents lenders ask for

Basic eligibility checklist

• Registered UK construction business (limited company, LLP or partnership)
• Operating history — many lenders expect trading history, though options vary
• Evidence of contracts, pipeline or invoices to support the funding request
• Loan size typically from £10,000 and up (amounts accepted depend on lender)

Documents & timelines — be prepared

Having the following ready speeds responses and improves the accuracy of quotes:

• Business bank statements (last 3–12 months)
• Latest company accounts or management accounts
• Contract details (value, duration, client, payment terms)
• Asset information for asset finance (age, make, value)
• Proof of ID for directors (for Know Your Customer checks)

With these documents prepared you can often receive indicative feedback within hours and formal offers within days, depending on the product and documentation required.

Get Quote Now

Why choose UK Business Loans for construction finance

Sector focus and vetted partners

We specialise in business finance for construction and building services. Our matching approach pairs your enquiry with lenders and brokers who have demonstrable experience in construction lending, so you benefit from sector knowledge without searching multiple providers yourself.

Speed, choice and confidentiality

• Quick matching — submit a short enquiry and receive contact from selected partners
• Multiple options — compare providers rather than relying on a single lender
• Confidential — your enquiry is used only to find relevant finance partners

Anonymised outcomes (examples)

• Civils subcontractor secured £120k invoice finance within 48 hours to cover mobilisation costs.
• Developer obtained a staged development facility for a small terrace conversion after introductions to three specialist funders.

These are examples of anonymised outcomes to show what’s possible — actual results depend on your circumstances.

Start Your Enquiry — Free Eligibility Check

Frequently asked questions

Do you lend directly to construction companies?

No. We introduce you to lenders and brokers. We do not provide loans ourselves.

Will my enquiry affect my credit score?

No — submitting an enquiry does not perform a credit search. Lenders may carry out credit checks later if you progress with an application.

How quickly will I get offers?

Often initial contact arrives within hours. Formal offers depend on documentation and the lender’s underwriting processes.

Can I apply with imperfect credit or a short trading history?

It depends. Some lenders specialise in higher-risk scenarios or newer businesses — we’ll match you to the best-fit partners based on your details.

Free Eligibility Check — get matched to possible options quickly, with no obligation.

Get a free eligibility check / Get your quote now

Ready to explore options? Complete our short enquiry form with basic business and funding details. It takes less than two minutes and helps us match you to the lenders and brokers most likely to help your construction business. After you submit, selected partners may contact you by phone or email to provide an indicative quote.

• Fast — typical initial responses within hours
• Free — no charge to you for introductions
• No obligation — you decide whether to progress

Get Quote Now

1. Do you lend directly to construction businesses in the UK?
No — UK Business Loans is an introducer that connects construction firms with specialist lenders and brokers rather than lending money itself.

2. How do I apply for a construction business loan through UK Business Loans?
Start by completing our short, free enquiry form (under two minutes) so we can match your business to relevant lenders and brokers.

3. Will submitting an enquiry affect my credit score?
No — completing our eligibility check does not perform a credit search, though lenders may carry out checks later if you progress with an application.

4. What loan amounts are available for construction companies?
Our partners typically offer finance from around £10,000 up to multi‑million facilities depending on the product and lender.

5. What types of construction finance can you help me find?
We can introduce you to providers for business loans, development finance, bridging loans, invoice finance, asset and vehicle finance, mobilisation/contract finance and performance bonds.

6. What documents and eligibility do lenders usually require?
Lenders commonly ask for business bank statements, company accounts or management accounts, contract details or invoices, asset information and ID for directors to speed up quotes and underwriting.

7. How quickly will I receive indicative quotes or contact from lenders?
Many enquiries receive initial contact within hours and indicative quotes the same day, with formal offers typically following in days once documentation is provided.

8. Can I get finance if I have imperfect credit or a short trading history?
Yes — some specialist lenders and brokers we work with accept higher‑risk scenarios or newer businesses, and we’ll match you to the best-fit partners.

9. Do you cover construction businesses across England, Scotland, Wales and Northern Ireland?
Yes — we serve the whole UK and match you with lenders who understand regional markets, planning and procurement nuances.

10. Does it cost anything to use UK Business Loans and are your partners regulated?
Our service is free and no obligation to you, and we only introduce you to reputable, FCA‑regulated brokers and lenders.