April 7, 2026
Lists

Best Same-Day Business Loan Lenders for the Construction Industry

Discover the best same-day business loan lenders tailored for the UK construction industry. Fast, reliable funding solutions to keep your projects moving.
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Best Same-Day Business Loan Lenders for the Construction Industry
James Laden
Co-founder and CEO

James Laden is the Co-founder and CEO of Funding Agent. He has 8 years of experience working with major financial companies in the UK, and now focuses on making business funding simpler for SMEs through a faster, technology-led application journey. He writes about business lending, alternative finance, and what lenders look for when assessing applications.

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 2026-03-30.

1. Fleximize

Fleximize offers flexible loans focused on supporting SME business needs in the UK. It is suitable for franchise buyers and operators looking for accessible lending with clear terms. Fleximize provides options that balance speed, flexible repayment, and varying eligibility criteria without reliance on specific collateral.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 10.8%
  • Max APR: 0%
  • Loan Duration: 1 to 48 months ⌛

Services & Industries

  • Finance Types: Unsecured Business Loans, Secured Business Loans, Working Capital Loans
  • Industries: Construction, Retail, Professional Services

Pros

  • Fast approval process
  • No early repayment fees
  • Flexible terms

Cons

  • Higher APR for unsecured loans
  • Strict eligibility criteria

Sources: Source Source

2. Capify

Capify specialises in short-term business lending and cash advances tailored for UK SMEs. It suits franchise buyers needing quick funding with flexible underwriting based on business performance rather than fixed assets. Their offerings focus on speed and accommodating a range of industries, often without traditional collateral requirements.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 67.89%
  • Max APR: 67.89%
  • Loan Duration: 3 to 18 months ⌛

Services & Industries

  • Finance Types: Merchant Cash Advance, Short-term Loans
  • Industries: Construction, Healthcare, Hospitality

Pros

  • Quick access to large amounts
  • Option for merchant cash advance

Cons

  • Higher APR rates
  • Short repayment terms

Sources: Source Source

3. iwoca

iwoca provides flexible credit ranges for UK businesses, including revolving credit lines and short-term loans. It is suitable for franchise operators seeking transparent pricing and quick access to funds with flexible repayment options. Iwoca's approach often involves business performance evaluations more than fixed asset collateral.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £2,000,000
  • Min APR: 6%
  • Max APR: 49%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

  • Finance Types: Business Line of Credit, Short-term Loans
  • Industries: Construction, Technology, Retail

Pros

  • Flexible credit limits
  • Transparent costs

Cons

  • Interest only on utilized amount
  • Potential high APR

Sources: Source Source

4. Funding Circle

Funding Circle operates as a peer-to-peer lending platform focused on small business loans in the UK. It suits franchise buyers requiring transparent, fixed-term financing with competitive rates. Funding Circle emphasises a clear loan process, balancing wider funding access with industry-specific criteria.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 7.9%
  • Max APR: 27.9%
  • Loan Duration: 6 to 60 months ⌛

Services & Industries

  • Finance Types: Unsecured Business Loans, Secured Business Loans
  • Industries: Construction, Manufacturing, Retail

Pros

  • Competitive interest rates
  • Transparent loan process

Cons

  • Stringent credit checks
  • Limited to certain industries

Sources: Source Source

5. NatWest

NatWest provides a range of secured and unsecured business loans suitable for UK franchise buyers. Its offerings target those seeking reputable banking loans with competitive rates and flexible terms. NatWest lends with consideration for established business credit profiles and includes multiple finance types and industry sectors.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 5.9%
  • Max APR: 16.5%
  • Loan Duration: 1 to 5 years ⌛

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans, Overdraft Facility
  • Industries: Construction, Professional Services, Hospitality

Pros

  • Low starting APR
  • Established bank lending

Cons

  • Lengthy application process
  • Strict eligibility criteria

Sources: Source Source

6. Lloyds Bank

Lloyds Bank offers business loans primarily for UK SMEs requiring tailored lending with competitive rates. It suits franchise owners looking for sizeable amounts, longer durations, and bank-grade security options. Lloyds balances flexible terms with a focus on sustainable economic growth and accessible credit solutions.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £5,000,000
  • Min APR: 5%
  • Max APR: 14.9%
  • Loan Duration: 1 to 25 years ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans, Business Overdraft
  • Industries: Construction, Agriculture, Retail

Pros

  • Large loan amounts available
  • Trusted lender

Cons

  • Higher APR for unsecured loans
  • Longer approval times

Sources: Source Source

7. Barclays

Barclays provides a wide range of secured and unsecured loan products for UK businesses. It suits franchise buyers who prefer established banking institutions with diverse lending solutions. Barclays offers competitive rates and various collateral requirements to match different borrower profiles.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 6.9%
  • Max APR: 20.9%
  • Loan Duration: 3 months to 10 years ⌛

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans, Personal Guarantees
  • Industries: Construction, Healthcare, Retail

Pros

  • Trusted bank
  • Diverse loan products

Cons

  • More stringent terms
  • Higher requirements on collateral

Sources: Source Source

8. Aldermore

Aldermore focuses on customised financial products including fixed rate loans and invoice financing for SMEs. It is suited to franchise sectors looking for predictable repayment schedules and tailored support. Aldermore typically serves clients across multiple industries with attention to financing structures beyond standard lending.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £300,000
  • Min APR: 8%
  • Max APR: 18%
  • Loan Duration: 6 to 60 months ⌛

Services & Industries

  • Finance Types: Invoice Financing, Fixed Rate Loans
  • Industries: Construction, Transportation, Manufacturing

Pros

  • No hidden fees
  • Dedicated account manager

Cons

  • Restrictive loan requirements
  • Limited product range

Sources: Source Source

9. Metro Bank

Metro Bank delivers business loans with a focus on customer service and rapid approval processes. It suits franchise buyers prioritising quick decisions and tailored financing. Metro Bank's services span secured and unsecured loans with flexible options for various business needs.

Loan Details

  • Min Amount: £2,000
  • Max Amount: £250,000
  • Min APR: 7.2%
  • Max APR: 0%
  • Loan Duration: 3 to 60 months ⌛

Services & Industries

  • Finance Types: Unsecured Business Loans, Secured Business Loans
  • Industries: Construction, Hospitality, Technology

Pros

  • Quick response times
  • Focused on customer service

Cons

  • Limited product options
  • Strict lending criteria

Sources: Source Source

10. Close Brothers

Close Brothers is a merchant banking group offering specialised lending services across various sectors in the UK. It is suitable for franchise buyers requiring tailored finance with options including asset finance and secured loans. Close Brothers often provides bespoke solutions reflecting individual business profiles and sector needs.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 9.9%
  • Max APR: 0%
  • Loan Duration: 6 months to 5 years ⌛

Services & Industries

  • Finance Types: Asset Finance, Unsecured Loans, Secured Loans
  • Industries: Construction, Retail, Agriculture

Pros

  • Personalized service
  • Tailored finance options

Cons

  • Limited online presence
  • Higher rates for complex loans

Sources: Source Source

How to choose

When seeking same-day business loans for the construction industry, match loan amounts and APRs carefully to your financial capacity. Check lender eligibility criteria and ensure the loan repayment schedule aligns with your project's cash flow and seasonality. Prioritise lenders offering flexibility in loan terms and clear information on fees and early repayment policies. Consider how quickly funds are accessed balanced against longer-term financial commitments. Use brokers or platforms for a wider choice if speed and multiple options are critical.

Conclusion

Selecting the right lender depends on your specific use case. Banks offer established lending options with varied collateral demands and longer processes, while brokers or specialist lenders may provide faster, more flexible solutions tailored to unique circumstances. Franchise buyers should consider how lender type fits their borrowing purpose and security availability. Confirm current rates, terms, and eligibility directly with providers. Always review details such as those provided by Funding Agent before proceeding with applications for loans like those up to 200 thousand pounds.

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FAQs

What is a same-day business loan?
Why do construction businesses need same-day loans?
What are the typical requirements for same-day business loans in construction?
Are same-day loans more expensive than traditional loans?
Can new construction businesses qualify for same-day loans?
How can I choose the best lender for my construction business?

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1FleximizeFleximize provides flexible and fast business loans up to £500k in the UK, specializing in SME financing with an emphasis on speed and customer service.£10,000–£500,000; 10.8%–0% APR; 1 to 48 months
2CapifyCapify offers small business loans and merchant cash advances in the UK, providing funding solutions tailored to individual business needs.£5,000–£1,000,000; 67.89%–67.89% APR; 3 to 18 months
3iwocaIwoca provides flexible credit solutions up to £2 million for various UK industries, known for their transparent pricing and fast lending processes.£1,000–£2,000,000; 6%–49% APR; 1 to 24 months
4Funding CircleFunding Circle is a peer-to-peer lending platform offering loans to small businesses in the UK with a focus on transparent lending and competitive rates.£10,000–£500,000; 7.9%–27.9% APR; 6 to 60 months
5NatWestNatWest provides various business lending options including unsecured and secured loans with competitive rates and flexible terms for businesses in the UK.£1,000–£50,000; 5.9%–16.5% APR; 1 to 5 years
6Lloyds BankLloyds Bank offers tailored business loans for UK SMEs with competitive rates and a focus on supporting economic growth through accessible credit solutions.£1,000–£5,000,000; 5%–14.9% APR; 1 to 25 years
7BarclaysBarclays provides comprehensive lending solutions for UK businesses with options for both secured and unsecured loans at competitive rates.£1,000–£100,000; 6.9%–20.9% APR; 3 months to 10 years
8AldermoreAldermore focuses on tailored financial solutions for SMEs, offering fixed rate loans and invoice financing services across various sectors.£5,000–£300,000; 8%–18% APR; 6 to 60 months
9Metro BankMetro Bank offers business loans with a customer-centric approach, focusing on rapid decision-making and personalized financial services.£2,000–£250,000; 7.2%–0% APR; 3 to 60 months
10Close BrothersClose Brothers is a UK-based merchant banking group, offering a range of lending services including tailored business loans to support various sectors.£5,000–£500,000; 9.9%–0% APR; 6 months to 5 years
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