^£800k Construction Business Loan – Apply Now

Asset-backed term loans are usually available to UK-registered trading businesses with acceptable credit history and evidence that trading performance can cover repayments. For construction firms, underwriting often includes details of relevant assets that can support the facility, such as construction vehicles, plant or equipment, and in some cases receivables where used. Amounts are commonly around £100k to £1.5m, with £800k feasible where the security and affordability case is strong. Terms are often 24 to 60 months, with decisions commonly taking 1 to 4 weeks depending on documentation and the complexity of the security and project picture.

Unsecured term loans rely primarily on demonstrated ability to repay rather than security. Construction SMEs are commonly evaluated through financial statements and bank statements, alongside evidence of construction income such as invoices, management accounts, and sometimes order book information. Personal guarantees may be requested for some borrowers. While typical unsecured amounts can range from about £50k to £500k, £800k can be available to stronger, established businesses with robust cashflow and financial evidence. Terms are often 12 to 48 months, and decision times are frequently around 1 to 3 weeks for straightforward cases with up-to-date information.

Invoice-to-term loans focus on receivables and contract billing quality rather than physical plant. Lenders typically review the quality of invoices, expected collections, and customer risk, including concentration of customers and dispute risk relating to certified work and invoices. Amounts are often around £150k to £1m+, and £800k may be plausible where the receivables cycle is large and reliable. Terms are commonly 24 to 60 months, with repayment structures that may align to collection timing. Decisions can take 2 to 6 weeks, reflecting how receivables review and collection analysis can extend underwriting.