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Business Loans for UK Contractors and Builders

Construction Business Loans UK

Construction cash flow is tough. You buy materials, hire labour, and mobilise for projects months before you see payment. Staged billing, retentions, and slow-paying clients mean you are constantly funding tomorrow's work with yesterday's revenue. Elect Capital provides fast working capital to keep projects moving and payroll covered.

Step 1 of 3

How much funding do you need?

£25,000£750,000

Applying is free and won't impact your credit score

4hrs
Fastest approval time
£750k
Maximum funding amount
Same Day
Funding available
0
Hard credit checks
Industry Challenges
The Funding Challenges You Know Too Well
We understand the unique financial pressures of your industry. Here's how Elect Capital helps.
Upfront material costs before payment
You buy materials and pay subcontractors months before the client settles. Working capital covers project mobilisation costs so you can start work immediately.
Retention payments and staged billing
Staged payments and 5-10% retentions mean you're always waiting for money you've earned. Working capital bridges those gaps so payroll and suppliers stay current.
Winning new contracts requires capital
Bidding on larger projects often requires proof of financial capacity. Working capital strengthens your position and lets you take on bigger, more profitable jobs.
How It Works
Three Simple Steps to Get Funded
No branch visits. No weeks of waiting. Just a fast, transparent process built for business owners who value their time.
1. Apply in 2 Minutes
Complete a short online form with your basic business details. No paperwork, no branch appointments, and zero hard credit pull during the application.
APPROVED
2. Same-Day Decision
We evaluate your business revenue and trading history, not just a credit score. Apply before 2pm and receive an offer the same business day.
£
24,500
274,500
3. Funds in Your Account
Accept your offer, and capital arrives in your business account, often within hours. No waiting weeks for bank approvals.
Our Products
Funding Solutions That Fit Your Business
Every business has different capital needs. Whether you need to bridge a cash flow gap, invest in growth, or cover an unexpected cost, we have a product built for you.
Eligibility
Quick Check: Do You Qualify?

Most established UK businesses in your sector qualify. We look at your revenue and trading history, not just a credit score.

12+
Months in business
£25k+
Monthly revenue
£750k
Funding available
Funded
£125,000
Restaurant & Hospitality
ManchesterOct 2025
Funded
£85,000
E-commerce & Retail
LondonNov 2025
Funded
£250,000
Manufacturing
BirminghamDec 2025
Funded
£60,000
Healthcare
EdinburghJan 2026
In Practice
How Businesses Like Yours Use Elect Capital
Material Purchase for a New Contract
A building contractor won a £400k renovation project but needed £80k upfront for materials and scaffolding. Elect funded the mobilisation costs within 24 hours, and the contractor completed the project on schedule.
Payroll Between Stage Payments
A fit-out company had six weeks between stage payments on a major commercial project. Elect working capital covered payroll for 15 staff during the gap, avoiding any disruption to the programme.
Plant Hire for a Larger Project
A groundworks firm was offered a project requiring equipment they did not own. Elect funded three months of plant hire, allowing the firm to take on a contract worth five times the cost of funding.
FAQ
Common Questions
Yes. Elect Capital provides unsecured working capital to UK construction businesses with no property, plant, or equipment required as collateral. Funding is based on your revenue and trading history.
Absolutely. Payroll bridging is one of the most common uses of our construction funding. Keep your team working while you wait for staged payments from clients.
We fund UK-registered limited companies and partnerships. If you're a sole trader, you'd need to be operating as a registered business entity to qualify.
UK construction businesses can borrow between £25,000 and £750,000 through Elect Capital. The amount available depends on your monthly revenue and trading history, not the size of your project pipeline or asset base.
Apply before 2pm and receive a decision the same business day. Once you accept an offer, funds are typically available within hours. Construction businesses regularly use Elect to mobilise projects that would otherwise stall waiting for bank approval.
No. There is no hard credit check at the application stage. You can apply and receive an offer without any impact on your personal or business credit file.
Yes. Plant hire, machinery rental, and equipment costs are all eligible uses of working capital. Many contractors use Elect funding to cover specialised equipment for a specific contract rather than committing to long-term ownership.
Yes. Upfront project mobilisation — including deposits, preliminary works, temporary infrastructure, and early-stage labour — are all common uses of construction working capital.
Yes. Demonstrating access to capital can strengthen your position when tendering for larger public or private sector contracts. Working capital can also cover the cost of preparing detailed bids, bonds, or insurance requirements.
The application is simple. You'll need your company registration number, basic business details, and recent bank statements. No detailed project cost plans or surveyor reports are required. Most applicants complete the form in about two minutes.
Yes. We fund a broad range of construction and civil engineering businesses including general builders, groundworks, fit-out contractors, M&E firms, roofing, and specialist trades. The key requirements are UK registration, 12+ months trading, and £25k+ monthly revenue.
The Elect Difference
Why Business Owners Choose Elect
We're a dedicated lender built from the ground up to serve UK SMEs with speed, transparency, and a human touch.
Transparency
Clear terms, no hidden fees, and open communication at every step. You'll always know exactly what you're signing up for before you commit.
Innovation
We use revenue data and cash flow analysis, not outdated credit models, to make funding decisions. Smarter underwriting means faster approvals.
Empowerment
Our UK-based team works directly with you. No call centres, no being passed between departments. One advisor, one relationship, one goal: getting you funded.
Work directly with Elect Capital. No matter your goal, our in-house funding advisors can help you find the right financing solution for your business.
Apply Now
Choose Elect.
Choose Growth.
Capital that moves as fast as you do. One click away from the next opportunity.
Apply NowPartner With Us
Elect Capital
hello@electcapital.com+44 20 8050 2023

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Elect Capital is a trading name of Elect Capital UK Limited, registered in England and Wales with company number 16106576 and registered address: B1 Vantage Business Park Old Gloucester Road, Bristol, Gloucestershire, England, BS16 1GW. Registered with the Information Commissioner's Office in relation to the processing of personal information, registration number ZB842935. We pay commission to other credit introducers for referring new customers. The commission amount may vary depending on the product, or other permissible factors.

Elect Capital UK Limited provides business funding solutions to UK SMEs, operating transparently in accordance with applicable laws and regulations.

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