FINANCE OPTIONS

Long Term Business Loans for Construction Companies and Contractors

Long term business loans are a cornerstone for business loans designed to help construction companies and contractors secure essential capital for large-scale projects. These loans typically offer extended repayment terms beyond five years, making them suitable for significant investments such as purchasing machinery or financing extensive builds.

Business Loans

Secure up to £1,000,000 in Business Loans with Funding Agent.

  • Fastest and easiest application process
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  • Loan disbursed within 24 hours
  • No additional charges for early repayment
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What are the benefits of Long Term Business Loans for Construction Companies and Contractors?

One of the main advantages of these loans is their capacity to provide access to substantial capital, bolstering construction companies' ability to grow and expand. With predictable monthly payments, companies can plan financings without disrupting cash flow. Fast decision speeds and competitive rates add to the appeal. Learn about various financing needs.

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Flexible repayment terms
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Access to larger funds
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Boosts project growth

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What are the different types of Long Term Business Loans for Construction Companies and Contractors?

Equipment Financing

Equipment financing is ideal for contractors needing to purchase machinery such as excavators and cranes. Loans range from £10,000 to £500,000, with terms extending up to 120 months. Discover how equipment finance solutions can enhance your operations.

Equipment Financing

With interest rates between 3% to 7% APR, equipment financing is accessible to businesses with at least two years of operation and a solid credit history. Decisions are typically made within weeks. See how this financing helps construction firms upgrade machinery.

Commercial Mortgages for Construction

Commercial mortgages offer between £50,000 and £2 million for land acquisition or purchasing existing properties. These loans feature terms from 60 to 300 months. Explore commercial offerings through our mortgage options.

Commercial Mortgages for Construction

With competitive rates of 2.5% to 5% APR, commercial mortgages cater to those with high credit scores. Applications require detailed financial evaluations. Companies can fund expansive developments and property projects.

Working Capital Loans

Working capital loans are designed to support day-to-day operational costs, with amounts ranging from £5,000 to £200,000. They typically have terms of 12 to 60 months. Find out more about working capital solutions.

Working Capital Loans

These loans, offering rates from 6% to 12% APR, support businesses through cash flow challenges. Fast decisions within a week are possible, especially for seasonal businesses requiring cash flow support.

Typical Funding Journeys on Funding Agent

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What is a Long Term Business Loan for Construction Companies and Contractors?

Application Process

Applying involves submitting detailed financial records and credit histories, with decisions ranging from one week to two months. Lenders assess readiness and type-specific documentation. Learn more about loan processing times.

Borrowing Capacity

All UK business loans must comply with FCA regulations to ensure fair practices. Understanding these can safeguard your borrowing. Our team assists in navigating these regulations. Discover regulatory insights.

Borrowing Capacity

Your borrowing capacity depends on various factors, including creditworthiness, collateral, and loan amounts. Interest rates also vary based on these factors. Enhance your knowledge of financial capacities.

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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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FAQ’S

How much can I borrow with long term business loans?
How quickly can I get a decision on a long term business loan?
What are the interest rates for long term business loans?
What are the eligibility requirements for commercial mortgages?

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