UK business loans for construction
UK construction business loans (general trades, subcontractors, main contractors) are shaped by CIS retentions and stage-payment cycles, with sub-contractors facing main-contractor payment terms of 60 to 90 days. Invoice finance against quality main-contractor invoices solves the headline cash trap; Allica Bank covers asset finance for plant; iwoca and Funding Circle handle working-capital term loans bridging stage payments. Typical tickets £25k to £500k. Recent CCJs from supplier disputes are common and route to specialist post-decline lenders.
Cash-flow shape
Lumpy stage-payment dependent. CIS retentions trapped at end of contract. Sub-trades face main-contractor payment cycles often 60-90 days.
Products that fit
- Invoice finance against quality main-contractor invoices
- Asset finance for plant
- Working-capital term loans bridging stage payments
- Bonds and guarantees (specialist)
Top UK lenders for construction
- Funding Circle
- Allica Bank (asset and commercial)
- iwoca (working capital)
- Specialist construction asset-finance lenders
Typical tickets
£25k to £500k
Watch outs
- Sole-trade structure, many lenders prefer Ltd.
- Single-main-contractor concentration risk.
- Recent CCJs from supplier disputes are common.
Apply
Open our /get-quotes/ matcher →Last reviewed: 2026-04-26.