FINANCE OPTIONS

Asset Finance for Construction Businesses – Get a Quote Today

Asset finance is a crucial tool for construction businesses, enabling them to leverage physical assets like machinery, vehicles, and equipment without substantial upfront payments. By using asset finance, companies can enhance cash flow and invest in necessary capital, optimizing operational efficiency. Learn more about our business loans and how they can support your financial strategies.

Asset Financing

Secure up to £1,000,000 in Asset Financing with Funding Agent.

  • Fastest and easiest application process
  • Dedicated support
  • Loan disbursed within 24 hours
  • No additional charges for early repayment
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What are the benefits of Asset Finance for Construction Businesses?

Asset finance offers significant advantages, including improved cash flow management and tax benefits. With typical lending amounts ranging from £5,000 to £1,000,000, construction businesses can secure funds swiftly—often within 1 to 3 weeks post-approval. Explore our range of asset-based lending solutions tailored for your needs.

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Improved cash flow
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Flexible repayment options
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Access to latest equipment

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of Asset Finance for Construction Businesses?

Hire Purchase

Hire Purchase is ideal for SMEs with a strong trading history and sound credit. Typical amounts range from £5,000 to £500,000 over 12 to 60 months. Discover our tailored offerings in unsecured business loans designed for flexible funding.

Hire Purchase

With interest rates between 3% to 15%, Hire Purchase enables construction firms to purchase machinery by spreading costs over time. The decision process typically takes 1 to 2 weeks, making it a practical choice for acquiring essential equipment like diggers. Learn how our asset finance calculator can help you plan effectively.

Finance Lease

Finance Lease is optimal for businesses seeking equipment without upfront purchases. Loans vary from £10,000 to £1,000,000 with terms of 24 to 84 months. Our commercial mortgages team is here to support complex financing needs.

Finance Lease

Offering interest rates from 2.5% to 12%, Finance Lease allows SMEs to use and potentially purchase the asset at the term end. Find out how leasing essential equipment, such as cranes, can boost your operations through our asset allocation strategies.

Operating Lease

Operating Lease suits businesses with short-term or non-ownership-focused needs, providing £5,000 to £50,000 for 6 to 36 months. Discover more about our straightforward working capital solutions.

Operating Lease

This option includes rentals where the asset is returned post-term, ideal for specific project needs. With rates from 4% to 10%, including maintenance, an Operating Lease supports short-term equipment rental without ownership. Learn more about efficient financing through our cash advance offerings.

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

Secure Asset Finance

Define Needs

Identify the machinery or equipment your construction project requires.

Compare Options

Funding Agent provides a comparison of suitable lenders and finance types.

Apply & Secure

Submit your application through Funding Agent and proceed with lender to secure terms.

Get Funding For your business

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Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.
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Get A Clear Overview of Cost Effective Lenders

Effortlessly explore a comprehensive database of lenders and organize potential funding sources that align with your business needs.​

FAQ’S

How much can I borrow with asset finance?
How quickly can I get a decision on my asset finance application?
What are the typical interest rates for asset finance?
What are the eligibility requirements for asset finance?

DIVE DEEPER

June 24, 2025

What Is Asset Finance?

Learn what asset finance lending is, how it works, key benefits, stats on SME usage, and whether it's right for your UK business.
July 24, 2025

How Asset Finance Can Boost Cash Flow for Your Business

Discover how asset finance unlocks cash flow, tax perks and growth for UK SMEs. Sector-by-sector guide with links to Funding Agent’s asset-finance hubs.
April 10, 2025

Top Asset Finance Lenders in the UK

Discover the UK’s top asset finance lenders, hire purchase, leasing & sale & leaseback solutions that let you invest in essential equipment without hefty upfront costs.

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