FINANCE OPTIONS

Business Loans for Builders And Trades - Apply Now

Business loans for builders and trades provide essential financial support to SMEs involved in construction, renovation, and trade services, helping manage expenses such as equipment purchases and project funding. Discover more about business loans to cover these needs effectively.

Business Loans

Secure up to £1,000,000 in Business Loans 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 Business Loans for Builders And Trades?

Our business loans offer quick access to funds, flexible repayment terms, and tailored solutions suited for capital-intensive needs. Learn more about quick business finance to enhance cash flow and growth in the building sector.

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Flexible financing options
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Boosts business growth
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Quick access to funds

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of Business Loans for Builders And Trades?

Asset Finance

Asset Finance allows SMEs, with a trading history, to obtain £5,000 to £500,000 for purchasing equipment with terms of 12 to 60 months. Find out how asset finance for small businesses can support your needs.

Asset Finance

Eligible businesses can secure Asset Finance by demonstrating a six-month trading history and providing asset details. Competitive interest rates from 3% to 20% APR are offered, with decisions typically made within five days. Explore further the applications of asset finance in construction.

Invoice Finance

Invoice Finance advances 70% to 90% of invoice values, ideal for maintaining cash flow during lengthy payment periods. Discover how invoice finance can be a solution for your trade services.

Invoice Finance

By advancing funds against unpaid invoices, businesses can manage cash flow effectively. Suitable for companies with over £50,000 turnover, the service includes flexible monthly terms. Learn how this can aid subcontractors by exploring invoice factoring.

Merchant Cash Advance

Merchant Cash Advance funds are repaid flexibly through future sales, offering amounts from £5,000 to £300,000. See how our working capital loans can aid your seasonal cash flow needs.

Merchant Cash Advance

This solution suits businesses with at least £2,500 in monthly card sales, repaid as a percentage of future sales. With quick approvals available, it’s an ideal way to manage working capital needs. Explore the benefits of a cash advance for trades accepting card payments.

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

What is a Business Loan for Builders and Trades?

Application Processes for Builders

Applications require financial documents and trading history to facilitate fast decisions, with initial decisions within 1 to 5 days post-application. Discover streamlined solutions for advance payment processes.

Borrowing Capacity and Rate Information

All lenders must comply with FCA regulations, ensuring anti-money laundering standards are met. Learn more about our compliance expertise and asset-based lending regulations.

Borrowing Capacity and Rate Information

Businesses can borrow between £5,000 and £500,000, influenced by revenue and creditworthiness. Rates range from 3% to 20% APR. Explore competitive rates and capacity with merchant money reviews.

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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 business loans for trades?
What is the typical decision time for a loan application?
What are the interest rates for business loans?
What are the eligibility requirements for invoice finance?

DIVE DEEPER

August 12, 2025

How to Qualify for a Business Loan in the UK: A Step-by-Step Guide for SMEs and Startups

Learn how to boost your UK business loan approval odds. Match the right product to your needs, prove affordability, prepare a complete document pack, and respond fast during underwriting.
June 30, 2025

Which Financing Is Best for Short-Term Business Needs?

Discover the top short-term financing options for UK businesses. Compare loan types, sector usage, and metrics to find the best funding solution for your needs.
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.

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