CONSTRUCTION BUSINESS FUNDING
From groundworks to fit-outs, our funding advances of £2k–£300k give construction businesses the capital to take on more, and deliver more.
Reviews from Businesses like Yours
The UK construction industry employs over 2.7 million people and contributes more than £117 billion to the economy annually, according to the Construction Industry Training Board. For contractors, subcontractors, and building firms, cash flow is a persistent operational challenge — materials and labour must be paid upfront while clients and main contractors settle invoices on 30, 60, or even 90-day terms. A business funding advance gives construction businesses fast access to working capital, without a personal guarantee.
Construction Business Funding Advance
Got Capital provides unsecured business funding advances from £2,000 to £300,000 for construction contractors, building firms, subcontractors, and specialist trades businesses across the UK. A funding decision is made in as little as one hour, with funds in your account within 24 hours. No personal guarantee is required.
Why Construction Businesses Need Funding
Construction has one of the most pronounced cash flow timing mismatches of any UK sector. Materials — timber, steel, concrete, fixings, and mechanical components — must be purchased and delivered to site before work can begin. Labour costs run daily. Main contractors and developers, however, typically pay on terms of 30 to 60 days after invoice, and retention clauses can withhold a further 5% of contract value until months after practical completion.
For subcontractors, the challenge is compounded. Payment terms are set by the main contractor, not negotiated. Disputes over variations and valuations can delay payment further. The result is a business that may be fully committed to a large contract — with workers on site and materials purchased — while waiting weeks or months for significant sums to arrive.
Growing a construction business creates its own capital demands. Winning a new contract or scaling up to a larger project requires additional plant, tools, vehicles, and workforce before the first certificate is issued. A funding advance allows construction businesses to commit fully to new work from day one — without waiting for the cash from previous contracts to clear.
£2,000 – £300,000
Available Funding
1-Hour Decision
Once All Documents Received
Funds in 24 Hours
Once Approved
No Personal Guarantee
Never Required
Common Uses for Construction Business Funding Advances
A Got Capital advance gives construction firms and contractors the working capital to cover site costs and pursue new contracts:
- Materials purchasing — timber, steel, concrete, and specialist components ahead of project start
- Labour costs and subcontractor payments during the gap between work completed and invoice settled
- Plant hire, tool purchases, and equipment upgrades for new or larger contracts
- Vehicle purchases or lease deposits for site transport and plant movement
- Bridging cash flow on contracts with 30 to 60-day payment terms or retention clauses
- Insurance renewals — public liability, employers’ liability, and contract works cover
- Tendering costs and mobilisation expenses for new commercial or residential projects
- Health and safety compliance — training, signage, PPE, and site welfare equipment
Fund Your Business in 3 Easy Steps
Fund Your Business in 3 Easy Steps
1
Submit your funding application below
2
Agree on an offer for business funding
3
Receive funds fast into your bank account
Working Capital Up To £300K
We work alongside all of our clients to ensure funding is deployed fast and when it is needed, helping to supporting long-term operational health and sustainable business growth.
No Personal Guarantees Required
You are not required to provide a personal guarantees to qualify for a business funding advance, so there is no need to risk your personal property when you are looking to grow your business.
Apply with Any Credit Score
We determine your eligibility for funding based on intelligent models developed by Got Capital; your credit score alone should never be a barrier to receiving the money that your business needs.
Custom Payoff Plans Available
Should you no longer need funding, you may be eligible to return the remaining balance at a discounted rate, dependent on the condition of your account and repayments performance.
Am I Eligible?
✓ UK-registered business
✓ Minimum 3 months’ trading history
✓ Minimum £5,000 monthly revenue
✓ No personal guarantee required
✓ All credit histories considered — decisions based on business health
✓ Available to sole practitioners, small firms, and mid-sized practices
FREQUENTLY ASKED QUESTIONS (FAQs)
FREQUENTLY ASKED QUESTIONS (FAQs)
Yes — Got Capital provides business funding advances suited to construction contractors, building firms, subcontractors, and specialist trades businesses. To qualify, your business needs to be UK-registered, have been trading for at least 3 months, and generate a minimum of £5,000 in monthly revenue. Decisions are based on your business health rather than your personal credit score, and no personal guarantee is required. Advances range from £2,000 to £300,000, with funds in your account within 24 hours of approval.
Got Capital can issue a funding decision in as little as one hour. Once approved, funds are typically deposited into your business account within 24 hours. For construction businesses, this speed directly addresses the most common cash flow pressure in the sector — whether committing to materials ahead of a contract start, or bridging a 30 to 60-day invoice wait. The entire application is completed online with no business plan or personal guarantee required.
Yes — these are among the most common uses of a Got Capital advance for construction businesses. Materials must be purchased and delivered to site before work begins, and labour costs run daily, while invoice payment from main contractors or developers can be 30 to 60 days away. Starting a new contract also demands upfront expenditure — plant, tools, vehicles, and workforce — before the first certificate is issued. An advance gives you the working capital to commit fully to new work from day one. There are no restrictions on how the funds are deployed within your construction business.
A traditional bank loan is a credit agreement where interest accrues over the loan term and fixed monthly instalments are due on a set schedule. Got Capital’s advance works differently: a single, fixed factor fee is agreed upfront, so you know the full cost before you commit. There is no compounding interest and no variable rate. You settle the advance as a proportion of your future revenue. No personal guarantee is required to secure the funding advance.
No. Got Capital does not require a personal guarantee from any business that takes an advance. A personal guarantee would make you personally liable if your business could not settle — potentially putting your home and personal savings at risk. Got Capital’s advances are unsecured: your personal financial position is not used as security, and no personal assets are put at risk in order to secure the funding advance.
Yes — a Got Capital advance is specifically designed to work with businesses whose income arrives unevenly. Construction revenue is often concentrated around contract completions, milestone payments, and certification cycles. Settlement is structured as a proportion of your future revenue. This makes a Got Capital advance well suited to construction businesses and contractors with project-based income.
Yes. Many of the construction businesses funded by Got Capital have previously been declined by a high street bank. Banks assess applications primarily on credit scores, security, and rigid eligibility criteria that often disadvantage project-based contractors. Got Capital assesses the health of your business — your revenue, trading history, and operations. If your construction business is UK-registered, generates at least £5,000 per month, and has been trading for at least 3 months, your application will be reviewed on its own merits. Previous bank declines are not a barrier.
Apply for Business Funding Today
Apply for Business Funding Today