FINANCE OPTIONS

^Working Capital Loans for Construction Trades - Apply Now

Q: How much can I borrow with a working capital loan?

You can borrow between £5,000 and £250,000 or more, depending on your creditworthiness, business turnover, and specific invoice values if using invoice financing.

Q: What are the typical interest rates for these loans?

Interest rates for working capital loans range from 1% to 15%, influenced by your credit score, turnover, and market conditions.

Q: How quickly can I receive funds from a loan?

After approval, funds are typically available in 1 to 3 business days. Initial decisions can take as little as 24 hours.

Q: What are the eligibility criteria for construction SMEs?

Construction SMEs must have at least one year of trading history, a minimum turnover of £100,000, and a good credit record to qualify for most loan types.

Working capital loans for construction trades are vital for ensuring the smooth operation of UK construction SMEs. These loans bridge the gap between project costs and invoice payments, allowing firms to cover daily operational expenses such as wages and materials. By leveraging a working capital loan, businesses can maintain their cash flow without relying on delayed client payments.

Working Capital Loans

Secure up to £500,000 in Working Capital Loans with Funding Agent.

Quick and easy application process
Loan disbursed within 24 hours
No additional charges for early repayment

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What are the ^benefits of Working Capital Loans for Construction Trades?

The primary benefit of working capital loans is their ability to enhance cash flow, thus enabling seamless operations. With borrowing amounts ranging from £5,000 to £250,000, decision times as short as 24 hours, and competitive rates starting from 1% monthly, these loans offer a strategic advantage. Explore more about unsecured working capital loans to gauge optimal financial solutions for your construction business.

Improves cash flow

Funds immediate expenses

Supports project continuity

SCALE YOUR BUSINESS TO NEW HEIGHTS

What are the different types of Working Capital Loans for Construction Trades?

Invoice Financing

Invoice financing allows UK construction companies with outstanding invoices to access up to 90% of the invoice value. Eligibility typically requires trading history and a turnover of at least £50,000 annually. Discover more about invoice financing options.

Invoice Financing

Invoice financing offers a flexible lending term often tied to invoice payment timelines of 30 to 120 days. Interest rates are generally 1-3% monthly, with decisions made within 24 to 48 hours. This solution is ideal for subcontractors awaiting payments from developers, ensuring immediate cash access. Learn more about fiscal benefits at invoice financing.

Short-term Business Loans

Short-term business loans range from £5,000 to £250,000 and are offered to businesses with a turnover of £100,000+, a year’s trading history, and positive credit. Explore our financing dictionary entry for more.

Short-term Business Loans

With terms from 3 to 18 months and interest rates between 4% and 15% annually, these loans cover operational costs quickly. Approval takes from 48 hours to a week, suitable for manufacturers needing to purchase materials rapidly for projects. Delve into short-term loan providers for comprehensive guidance.

Business Overdrafts

Business overdrafts provide up to £50,000 with revolving terms reviewed annually, dependent on existing banking arrangements. Learn about business loan options for further details.

Business Overdrafts

Offering variable interest rates of 3-10% over the base rate, these solutions support companies during irregular revenue periods. Firms negotiate terms directly with banks, receiving decisions promptly. Retail suppliers facing seasonal demand spikes find these overdrafts advantageous. Explore working capital solutions for more insights.

What is a working capital loan for construction trades?

Application and Approval Processes

The application process for working capital loans varies, with initial decisions in 24 hours to a week. Post-approval, most funds are available in 1 to 3 business days. Visit our application form for streamlined submissions.

Regulatory and Compliance Requirements

Lenders must be authorised by the FCA, adhering to AML norms and KYC guidelines. Compliance ensures borrower protection and financial stability. Explore how to comply at our blog.

Determining Borrowing Capacity

Borrowing limits are influenced by creditworthiness, turnover, and business risk factors. Rates range from 1% to 15%, based on market conditions and collateral. Check borrowing guides at our financing options.

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FAQ’S

How much can I borrow with a working capital loan?

What are the typical interest rates for these loans?

How quickly can I receive funds from a loan?

What are the eligibility criteria for construction SMEs?

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August 20, 2025

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^Working Capital Loans for Construction Trades - Apply Now

What are the ^benefits of Working Capital Loans for Construction Trades?

SCALE YOUR BUSINESS TO NEW HEIGHTS

What are the different types of Working Capital Loans for Construction Trades?

Invoice Financing

Invoice Financing

Short-term Business Loans

Short-term Business Loans

Business Overdrafts

Business Overdrafts