Construction business finance for UK contractors
Construction business finance.
Keep your next contract moving.
Construction finance for UK contractors and trades. Cover upfront costs, invest in plant and manage the wait for payment.
TMS Finance is a credit broker, not a lender.
Keep Projects Moving When Cash Is Tied Up
Construction and trade businesses often pay for labour, materials, plant and subcontractors weeks before valuations are certified or invoices are settled.
The right commercial finance can bridge that timing gap, fund equipment or support a new contract without stripping cash from day-to-day operations.
A funding plan that fits your sector
TMS Finance helps UK contractors and trades assess the full requirement, expected payment cycle and suitable funding routes. We explain the likely costs, security and repayment commitments before you decide whether to proceed.
We explain the costs, repayment structure, lender requirements and any security or personal guarantee before you decide how to proceed.
Finance routes worth exploring
The right route depends on your business, the use of funds and how repayments will be supported.
Working capital
Support wages and project mobilisation while payments are outstanding.
What could your funding support?
- Labour and subcontractor costs before applications are paid
- Materials and supplier deposits for new projects
- Plant, machinery, tools, vans and commercial vehicles
- Cash flow while waiting for certified applications or invoices
- Working capital while customer payments are delayed
- VAT, Corporation Tax and other business commitments
- Mobilisation costs for newly awarded contracts
- Refinancing existing business loans
Retentions and uncertified applications may be restricted or excluded by invoice-finance providers. We assess the payment cycle before suggesting a funding route.
Tell us what you need to achieve
Share your funding amount, purpose and timescale. We’ll review your enquiry and explain the information needed to explore suitable options.
Submitting an enquiry does not commit you to proceed. Finance is subject to status, affordability, lender criteria and approval. Security and personal guarantees may be required.
01
Understand your needs
Review your business, purpose, timescale and existing commitments.
02
Explore suitable routes
Consider relevant providers from our panel and explain their requirements.
03
Make an informed choice
Review the costs, conditions and repayment commitments before proceeding.
Construction and Trades finance FAQs
Potentially. The available route will depend on the contract, the payer, what has been certified, your invoicing position and the wider strength of the business. We will review the payment cycle before suggesting an option.
Common requirements include recent accounts, business bank statements, management information, an aged debtor report, details of existing borrowing and evidence of the contract or project being funded. Requirements vary by lender.
Asset finance may be suitable for qualifying vehicles, plant, machinery and equipment. The asset, supplier, age, value, deposit and trading history can all affect the terms available.
Newer businesses may have options, but the choice can be narrower. Lenders may place greater weight on the directors’ experience, confirmed work, cash contribution, credit profile and any available security.
Business loans, trade finance or revolving credit may help with upfront materials and contract mobilisation. The right structure depends on when you need the funds and how the project will generate repayment.
It may be. Requirements depend on the lender, facility size, business strength, asset position and proposed use of funds. We will explain any guarantee or security requirement before you proceed.
Timescales depend on the product, quality of the information provided, lender checks and whether valuation or legal work is needed. A complete application normally moves more efficiently, but approval and completion cannot be guaranteed.
Prepare for your application
Common requests include accounts, business bank statements, existing borrowing and evidence of the costs or project being funded. Sector-specific details also help lenders understand the requirement.
Explore other sectors
Find finance information for UK businesses across construction, property, retail, manufacturing, hospitality, healthcare, transport and agriculture.
Ready to discuss your next move?
Start with the business outcome you want. We’ll help you understand the funding routes that may fit.