FINANCE OPTIONS

Stock and Inventory Finance for Construction Companies and Contractors

Stock and Inventory Finance for Construction Companies and Contractors offers a way to unlock working capital by borrowing against inventory. This product, vital in the construction sector, aids in releasing cash tied up in materials and equipment. Explore asset finance solutions for your financial needs.

Stock and Inventory Finance

Secure up to £1,000,000 in Stock and Inventory Finance 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 Stock and Inventory Finance for Construction Companies and Contractors?

Enhancing cash flow and supporting business growth are key benefits of Stock and Inventory Finance. With typical amounts ranging up to £5,000,000 and decision times from 2 to 15 days, this option offers flexibility in financial planning. Our unsecured business loans can further increase your working capital.

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Improved cash flow
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Efficient resource management
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Enhanced project delivery

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What are the different types of Stock and Inventory Finance for Construction Companies and Contractors?

Inventory Purchase Financing

Ideal for buying new materials, Inventory Purchase Financing offers amounts up to £500,000. Eligibility includes UK business registration and a year of trading history. Learn more about invoice financing.

Inventory Purchase Financing

Inventory Purchase Financing assesses inventories and financial statements to provide funds within 2-5 business days at interest rates ranging from 6% to 15% APR. Use this to restock essentials such as tiles or bricks. For detailed sector applications, visit our invoice finance calculator.

Stock Line Financing

Stock Line Financing leverages existing stock for amounts between £20,000 and £1,000,000 with 6-12 month terms. This is perfect for financing ongoing projects. Check working capital finance options.

Stock Line Financing

Focused on the construction sector, this finance type entails regular stock audits and interest rates of 1% to 2.5% per month. An excellent option for long-term projects needing significant stockpiling. Learn how we assist businesses boost cash flow.

Asset-Based Lending Against Inventory

For larger firms, this method leverages substantial inventory holdings, offering loans of up to £5,000,000 over 12 to 60 months. Discover our asset-based lending services.

Asset-Based Lending Against Inventory

Suitable for expansive infrastructure projects, this form of lending involves comprehensive asset evaluations. Standard rates are 3% to 10% above base rates. Discover how we facilitate secured business loans.

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What is Stock and Inventory Finance for Construction Companies and Contractors?

Application Processes

Applications require robust documentation, including financial statements and inventory lists. Approvals are typically fast, with decisions available in as little as 2 days. Explore our working capital loan solutions to enhance applications.

Borrowing Capacity and Rate Factors

FCA regulations ensure transparency and fair practices. Our solutions adhere to these standards, safeguarding your business. Visit our Financial Conduct Authority page for more information.

Borrowing Capacity and Rate Factors

The loan capacity depends on stock value and credit history, with typical rates ranging from 6% to 15% APR. Consider our business loan options for competitive rates.

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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 quickly can I get a decision on Stock and Inventory Finance?
What are the borrowing limits for construction companies?
What interest rates can I expect for Stock and Inventory Finance?
What are the eligibility criteria for Stock and Inventory Finance?

DIVE DEEPER

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Compare asset finance and invoice finance for UK SMEs. Learn how each works, costs, benefits, and sector use cases, with Funding Agent’s calculators.

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