Construction Business Loans

We provide construction loans to virtually all types of businesses in the building sector, including general contractors, specialist subcontractors, home builders, commercial construction firms, civil engineering companies, roofing specialists, electrical contractors, plumbing businesses, and renovation experts. Our construction business loans are available to sole traders, partnerships, and limited companies within the building industry, with solutions tailored to each business structure. Whether you’re a small team of skilled tradespeople or a large construction firm managing multiple major projects, our funding solutions can be adapted to suit your specific business model and financial requirements.

Your construction business can use our loan funds with complete flexibility across your operations. Common uses include: purchasing or leasing construction equipment and machinery; covering materials costs for new projects before client payments; managing payroll during project delays or between contracts; investing in business premises or yard facilities; funding marketing and business development to secure larger contracts; covering insurance and compliance costs; refinancing existing business debts to improve cash flow; or creating cash reserves to help weather seasonal fluctuations. Unlike project-specific financing, our construction loans provide unrestricted working capital that you can deploy wherever your business needs it most.

For a construction business loan application, you’ll typically need to provide: the last 2 years of filed accounts or tax returns; recent bank statements covering 3-6 months; an up-to-date business asset register; details of current contracts and project pipeline; evidence of qualifications and industry accreditations; and standard business identification documents. For larger construction loans, we may also request cash flow forecasts and a basic business plan outlining growth objectives. Our construction finance specialists will guide you through exactly what information is needed based on your company’s specific circumstances and the amount of funding you’re seeking.

We understand that construction businesses often need rapid access to capital to seize opportunities or address urgent cash flow requirements. For established building companies with straightforward applications, we can typically provide decisions on construction business loans within 24 hours. Once approved, funds can be in your account within hours. For larger loan amounts or more complex situations, our process may take 2-3 days but remains significantly faster than traditional lenders. Our streamlined approach ensures your construction company never misses vital opportunities due to funding delays.

Absolutely – we design our construction loans with the seasonal patterns common in the building industry firmly in mind. We offer flexible repayment structures that can include reduced payments during traditionally slower winter months, with higher payments during peak summer building periods. Our construction business loans can also feature initial payment holidays to accommodate project startup phases, interest-only periods during specific seasonal downturns, and balloon payment options at times of year when your cash flow is typically strongest. This seasonal awareness ensures your loan repayments align with your construction company’s natural business cycle.

Yes, we regularly provide construction loans to building businesses with fluctuating financial records, recognising this is often the nature of the industry rather than a reflection of business quality. Unlike traditional lenders who may be deterred by the irregular income patterns common in construction, we look beyond standard financial metrics to consider factors like your project pipeline, industry reputation, retained clients, and growth trajectory. Our assessment approach is designed specifically for construction companies, acknowledging that even the most successful building firms may show inconsistent financial patterns due to project-based income and seasonal factors.

Our construction business loans offer flexible terms typically ranging from 1 to 7 years, depending on your company’s requirements and the purpose of the funding. For equipment financing, terms usually align with the expected operational life of the machinery. For general working capital, most construction companies opt for 2-5 year terms that balance affordable monthly payments with relatively quick debt clearance. We don’t impose rigid early repayment restrictions, understanding that construction businesses may want to clear loans early when large contracts complete. Interest rates are competitive and reflect your business’s trading history, financial stability, and the specific risk profile of your construction operation.