Funding for the jobs you’ve already won.
Bigger contracts need materials, labour and kit before the first payment arrives. Tax bills land at the worst time. A business loan gives you a lump sum with fixed repayments, from a specialist who knows how construction cash flow works.
- £10k to £1m for limited companies
- Materials, contracts, tax bills and growth
- Already turned down by your bank? You may still have options
Busy, booked up, and short of cash.
A short-term loan can fund materials, repaid as the job pays out.
Tax and VAT loans spread the bill over a few months.
Specialist lenders look at construction differently. Many still fund it.
What lenders often look at for construction firms
Work in the pipeline
Signed contracts and repeat clients help show where repayments will come from.
Payment history
Recent bank statements matter more than a business plan.
Who you work for
Commercial and public sector contracts are often viewed differently from domestic work.
Invoice finance instead?
If you’re mainly waiting on main contractors to pay, invoice finance may suit you better.
Is a business loan right for your business?
Usually a good fit
- Limited company or LLP
- Usually 12 months or more trading
- Steady work and bank statements to show it
Harder to fund
- Brand new businesses
- Unresolved CCJs or missed payments
- Big losses on recent jobs
Not sure? That's what the call is for. If it isn't the right fit, your specialist will tell you and suggest what might work instead.
What happens after you enquire
Two minutes online
A few questions. We find your company on Companies House as you type.
A text from us
Straight away, with the name of the specialist who'll call you.
A short call
Usually within a working day. About 15 minutes on how your business trades.
Options in plain English
What is available, the full cost in pounds, and what they would need.
You decide
No obligation. Saying "not right now" is fine.
Questions from construction and trades businesses
Yes, tax and VAT loans are common. They spread the bill over a few months so you avoid HMRC penalties.
Find out what your business could borrow.
Two minutes. Free. No hard credit check. One specialist, not ten calls.