FINANCE OPTIONS

^£100k Construction Business Loan – Apply and Get Funded Today

Q: What size and repayment range can a £100k construction business loan fall under

Borrowing capacity for SME term lending is commonly from £25,000 to £500,000. The specific amount you can access depends on trading history and turnover, demonstrated cash flow and affordability, existing debts and monthly commitments, and whether security is offered for a secured structure.

Q: How long does it take to go from application to funds

Timelines can vary by lender and case complexity, but typical initial decisions are often around 1 to 2 weeks, sometimes longer. Funds are often available around 2 to 6 weeks from application, depending on document turnaround and whether security or additional checks are required.

Q: What interest rates could apply to a £100k term loan

Typical UK SME term loan pricing is often roughly 7% to 20% APR. The lower end is more likely for well secured, lower risk profiles, while unsecured or higher risk cases are more likely to be priced toward the higher end. Your business credit profile, term length, and security strength are key factors.

Q: Are there different types of term loans for construction SMEs at £100k

Yes. Common structures include a secured term loan (asset backed), an unsecured term loan (credit based), and a working capital top up term loan that is focused on near term cash flow or project activity. Each type has different typical eligibility, decision timing, and pricing context.

A £100k Construction Business Loan is a term loan for UK SMEs that provides a fixed borrowing amount, repaid in monthly instalments over a set term. Construction firms often use it to pay for project essentials such as materials, subcontractors, and plant hire, or to bridge timing gaps between spending and customer stage payments. It can also refinance expensive short-term credit. For many businesses, the key advantage is a clear repayment plan that can align funding with how cash moves during site delivery, helping you manage day to day commitments more predictably.

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Why a £100k term loan can suit construction

A term loan structure is built around a defined amount and repayment schedule, which helps construction businesses plan around site costs and payment milestones. Lenders typically assess affordability using trading history, cash flow evidence, and, where relevant, project visibility. You will also see different pricing and decision timelines depending on whether the loan is secured or unsecured.

Predictable monthly instalments

Straightforward project funding

Clear decision and completion windows

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of £100k construction term loans

Secured term loan (asset-backed)

Often suitable for established construction SMEs that can offer suitable security, such as a plant or equipment charge. It is typically aimed at well evidenced repayment capacity from operating cash flow.

Secured term loan (asset-backed)

A secured term loan is commonly used when you have clear trading history and can provide security, for example plant, equipment, or a property charge, sometimes alongside a personal guarantee depending on lender policy. Typical lending terms are around 12 to 60 months. Market pricing seen for secured SME term lending is roughly 7% to 15% APR, with the exact outcome influenced by credit profile, term length, and how strong the security package is. Decision time is often around 2 to 6 weeks where security assessment is required.

Unsecured term loan (credit-based)

Designed for businesses that cannot or do not want to provide significant security. Underwriting focuses more on credit history and affordability from trading and bank information.

Unsecured term loan (credit-based)

An unsecured term loan may work where security is not available or is not preferred. Eligibility is usually based on time trading, turnover, and cash flow evidence from bank statements and management accounts. Typical amounts can range from £10k to £250k, with £100k sometimes available for well performing established businesses. Terms are often around 12 to 48 months, and typical unsecured pricing is often roughly 9% to 20% APR. Initial decisions are frequently around 1 to 3 weeks, with completion potentially extending to 3 to 6 weeks depending on document requests.

Working capital top-up term loan

Helps fund near term project activity or cash flow friction, using repayment capacity and evidence of expected cash conversion rather than asset based security alone.

Working capital top-up term loan

This type of term loan can be structured for short to medium periods, often around 6 to 36 months, where cash flow is expected to normalise after a specific project phase. Lenders may consider bank turnover, customer payment terms, order book or pipeline information where available, and how the borrowing will support contract activity. Typical amounts are often £25k to £400k, so a £100k top up can sit within the common middle band. Practical UK pricing for this category is often roughly 8% to 17% APR, and decision time is often around 2 to 5 weeks depending on how quickly cash flow evidence can be validated.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How Funding Agent helps you reach a £100k decision

Share your loan and project needs

Tell us your target amount of £100k and what it is for, for example materials, subcontractors, plant hire, deposits, or invoice timing. Provide the basic details and financial information lenders usually request so the matching process starts with relevant context.

We match you to appropriate lenders

Funding Agent reviews your provided information and constraints, then places you with suitable UK lenders for a term loan. This includes considering whether a secured or unsecured approach is more likely to align with how lenders assess your case and repayment capacity.

Complete checks and receive funds

If a lender offers terms, you complete due diligence and affordability checks, with documentation needed for identity and the information used to assess risk. After acceptance and completion steps, the lender releases funds, which is commonly within 2 to 6 weeks overall depending on complexity.