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An Asset-secured term loan is a common fit where you can offer lender-recognised security and demonstrate repayment affordability. For many established construction SMEs, trading history and project evidence matter, especially where the loan is expected to help with mobilisation costs, equipment replacement, or covering short timing gaps between starting works and receiving stage payments. Amounts often sit broadly from £100k to £2m, with £550k commonly within range when asset cover and cash flow support the commitment. Terms are often 36 to 84 months, with decisioning frequently around 2 to 6 weeks for initial underwriting.

With Project finance top-up (secured term loan), lenders typically review a credible contract or near-term work portfolio. This structure can be used when a defined project needs additional funds for mobilisation, long-lead materials, or subcontractor costs that outpace receivables. It is also a route sometimes used for bridging gaps such as retentions or agreed variations. Typical amounts often range from £150k to £3m, and the lending term is frequently 24 to 60 months to match expected project cash generation. Expect underwriting to take around 3 to 8 weeks, because lenders stress-test project timing and repayment capacity.

A Property-equipment secured term loan is designed for borrowers whose acceptable security includes property and/or significant equipment. Lenders usually look for valuation evidence, charge status, and clarity on how the finance supports delivery, such as buying a depot or investing in equipment that improves productivity. Typical amounts commonly range from £100k to £5m-plus for stronger security positions, with £550k often achievable where security and serviceability meet lender criteria. Terms are often 48 to 120 months, and decision times can run around 4 to 10 weeks, partly due to property or equipment valuations and legal completion steps.