Best Long-Term Business Loan Lenders for the Construction Industry
For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank, prices accurate as of 2026-03-23.
Funding Agent focuses on matching UK SMEs with a variety of business finance options through a streamlined application process. It is typically suited for businesses seeking straightforward loans without complex collateral requirements. The platform emphasises quick eligibility assessments and flexible loan terms to suit diverse needs.
Loan Details
- Min Amount: £10,000
- Max Amount: £1,000,000
- Min APR: 4%
- Max APR: 20%
- Loan Duration: 3–60 months ⌛
Services & Industries
- Finance Types: Unsecured business loans, MCA Loans, Working capital
- Industries: UK SME's
Pros
- fastest and easiest application process
- No collateral required
Cons
- lower track record, only trading 1 year
Fleximize provides flexible loan products mainly aimed at UK construction and real estate businesses. It fits firms looking for transparent terms without early repayment penalties. Fleximize offers speed in approval and adaptable financing options accommodating different collateral and repayment schedules.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 9.9%
- Max APR: 46.8%
- Loan Duration: 3–60 months ⌛
Services & Industries
- Finance Types: Secured Loans, Unsecured Loans
- Industries: Construction, Real Estate
Pros
- No early repayment fees
- Competitive interest rates
Cons
- Higher APR for unsecured loans
Capify targets UK construction and retail businesses with straightforward small business loans. It is suitable for those who require rapid access to funds for business growth. The provider focuses on quick funding without extensive collateral but carries higher fixed APR rates.
Loan Details
- Min Amount: £5,000
- Max Amount: £1,000,000
- Min APR: 67.89%
- Max APR: 67.89%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Small Business Loans
- Industries: Construction, Retail
Pros
- Same day funding available
Portman Finance Group specialises in business loans with competitive rates for SMEs, serving sectors including construction and manufacturing. It suits businesses looking for secured and asset-backed finance with flexible repayment plans. Portman offers some no personal guarantee options and a varied loan duration to accommodate different needs.
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 6.9%
- Max APR: 7.2%
- Loan Duration: 3 months to 6 years ⌛
Services & Industries
- Finance Types: Asset Finance, Term Loans
- Industries: Construction, Manufacturing
Pros
- Fast approval
- No personal guarantee options
Cons
- Complex eligibility criteria
Aurora Capital offers flexible unsecured and secured business loans tailored to UK SMEs, specialising in construction and retail sectors. It is suitable for those seeking variable loan sizes and repayment term options. Aurora requires origination fees and provides a range of loan types to meet different business needs.
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 6.9%
- Max APR: 12%
- Loan Duration: 1 month to 6 years ⌛
Services & Industries
- Finance Types: Unsecured Business Loans, Secured Business Loans
- Industries: Construction, Retail
Pros
- Flexible loan amounts
- Wide range of loan types
SME Loans delivers tailored finance solutions primarily to UK small and medium enterprises, including those in construction. It is suitable for businesses needing smaller entry loan amounts with straightforward terms. The provider offers quick application processes but has limited APR variability and loan specifics.
Loan Details
- Min Amount: £1,000
- Max Amount: £500,000
- Min APR: 6%
- Max APR: 6%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Start-Up Loans, Cash Flow Loans
- Industries: Construction, Retail
Pros
- Low entry loan amounts
- Quick application process
Cons
- Limited to SMEs
- Standard APR
Century Business Finance specialises in providing both large and small long-term loans for UK construction businesses. It suits companies looking for flexible repayment structures and fast decision times. Despite offering zero APR financing options, interest rates typically depend on creditworthiness.
Loan Details
- Min Amount: £10,000
- Max Amount: £250,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 5 years ⌛
Services & Industries
- Finance Types: Long-Term Business Loans, SME Loans
- Industries: Construction
Pros
- Fast decision process
- Flexible repayment terms
Cons
- Interest rates vary based on creditworthiness
White Oak offers business loans and equipment leasing with fast and convenient services for UK SMEs. It typically suits construction and technology industries seeking flexible finance options without early repayment penalties. White Oak provides a range of loan products with competitive terms and some arrangement fees.
Loan Details
- Min Amount: £25,000
- Max Amount: £2,000,000
- Min APR: 7.5%
- Max APR: 18.9%
- Loan Duration: 12 months to 5 years ⌛
Services & Industries
- Finance Types: Development Loans, Equipment Leasing
- Industries: Construction, Technology
Pros
- No early repayment fees
- Range of finance options
Millbrook Business Finance specialises in asset finance and business loans for UK SMEs, with focus on construction and technology sectors. It is suited for companies looking for competitive rates and flexible financing options. Millbrook offers varying loan durations and APRs to meet different business requirements.
Loan Details
- Min Amount: £10,000
- Max Amount: £750,000
- Min APR: 6.9%
- Max APR: 27.9%
- Loan Duration: 6 to 72 months ⌛
Services & Industries
- Finance Types: Business Loans, Asset Finance
- Industries: Construction, Technology
Pros
- Competitive rates
- Flexible financing options
Cons
- Higher APR for unsecured loans
Funding Pool provides fast and flexible loans targeting SMEs in the construction sector. It is suitable for businesses seeking personalised support and quick decision making. Specific loan details are limited, but it offers general business loans with flexible terms.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Business Loans
- Industries: Construction
Pros
- Fast decision making
- Personalized support
Cons
- Limited information on loan specifics
How to choose
When selecting long-term business loan lenders for the construction industry, assess the size of loan and APR that fits your financial plans. Check eligibility carefully, as requirements vary widely by lender. Balance the speed of funding against flexibility in repayment and collateral needs. Consider how the loan fits your cash flow, including seasonal construction cycles. Review fees and early repayment policies before applying to ensure they align with your business strategy.
Conclusion
Choosing the right lender depends on your specific business needs. Banks generally serve established companies with strong credit, while brokers offer access to multiple lenders and broader options. Specialists cater to niche requirements such as asset finance or construction-specific loans. Funding Agent is useful for SMEs wanting quick comparisons across lenders. For a 200 thousand pounds loan or similar, tailor your choice to your industry, financing goals, and repayment ability.
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