Construction & trades finance
Construction cashflow is famously lumpy. You pay for labour and materials up front, then wait on stage payments and retentions. We match construction firms and trades to facilities built for that rhythm, from plant finance to invoice and bridging funding.
No credit check to see your options.
Common funding needs
Plant, machinery and commercial vehicles
Buying materials ahead of a stage payment
Bridging the gap while retentions are held back
Covering payroll and subcontractors between valuations
Worth knowing
Retentions and slow main-contractor payment terms are the usual cashflow pinch. Invoice finance and revolving credit are designed for exactly this.
Financing plant against the asset itself often costs less than borrowing unsecured.
Facilities that fit construction
The funding types we most often match in this sector. Not sure which fits? Tell us what you need and we'll recommend one.
Asset finance – hire purchase
Spread the cost of an asset and own it outright at the end of the term.
Invoice finance
Release cash tied up in unpaid invoices instead of waiting for customers to pay.
Revolving credit facility
A flexible limit you draw and repay as needed, so you only pay for what you use.
Unsecured term loan
A fixed lump sum repaid over an agreed term, with no asset used as security.
Bridging loan
Short-term finance to bridge a gap until longer-term funding or a sale completes.
Frequently asked questions
Can I finance second-hand plant and machinery?
Often yes, many lenders fund used assets, with the term set against the asset's remaining useful life. We'll match you to ones that do.
How can I fund work while retentions are held back?
Invoice finance advances most of an invoice's value as soon as you raise it, and a revolving facility gives you a reusable buffer. Both ease the wait on retentions and stage payments.
See what you qualify for
Start your application now. It's free, takes minutes, and there's no credit check to view your options.