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CONSTRUCTION FINANCE

Keep your project moving with construction finance

Reduce delays and take on bigger projects with a range of construction financing options tailored for your specific needs.

  • Buy plant, vehicles, machinery with asset finance

  • Keep a cash flow buffer with a working capital loan

  • Buy materials and bridge cash flow gaps for new projects using invoice finance

 Apply now

Already a Tide member? You can apply for a business loan and other finance directly within the Tide app.

Tide has joined forces with Funding Options, becoming the largest credit marketplace in the UK. 

Providing over £1.1 billion in funding to more than 19,000 UK businesses, we’re on a mission to help business owners grow with confidence. 

Why use Tide to get construction finance?

From online applications to a wide range of lending partners, we’ve built a smarter way for construction businesses to access the finance they need to thrive.

Apply online in minutes

Save valuable time by applying for a loan through our online process. Our intuitive application is designed to take just a few minutes, allowing you to bypass the paperwork and get back to growing your business in no time.

Compare options easily

Gain access to our network of over 80 trusted lenders to find the right fit. By comparing multiple offers in one place, you'll have a better chance of securing a deal that aligns with your specific business goals and cash flow needs.

Protect your credit score

Check your loan options with total peace of mind. Applying for a loan through Tide has no impact on your credit score, allowing you to see what you qualify for without affecting your financial footprint.

Access a range of business finance options from our trusted partners

What are the benefits of construction finance?

Smoother cash flow

Unlock cash tied up in invoices or certified applications, so you don’t have to wait 30-90 days for client payments. Avoid scrambling to cover payroll, materials, or VAT.

Fewer delays

Keep your projects moving with funds available to pay subcontractors and order materials on time. You’ll avoid stop-start working, re-mobilisation costs, and the frustration of cash-related holdups.

Easier growth

Take on bigger projects (or multiple jobs at once) without waiting for previous work to pay out. Predictable working capital lets you scale your team, capacity, and pipeline with confidence.

Lower costs

Use your available funds to buy materials earlier or in bulk, so you can negotiate better supplier terms. You’ll cut back on expensive last-minute borrowing and the inefficiencies that come from disrupted plans.

Less risk

Reduce the chance of running out of cash mid-project or missing important payments. You’ll strengthen relationships with suppliers and subcontractors, and lower your exposure to late-paying clients.

Tax benefits

Offset financing costs like interest and certain asset purchases against your taxable profits, where eligible. This reduces the overall cost of funding, especially when combined with capital allowances and deductions.

Apply now

What can construction finance be used for?

Buying materials

Upfront costs for building supplies can put pressure on your cash flow. Use the funds to buy essential materials before client payments come through.

Paying wages

Keeping your site running means paying your team on time. Construction finance helps you cover wages, so you can focus on the job without worrying about payroll delays.

Paying subcontractors

Specialist trades like plumbers, electricians, and roofers need paying promptly. The funds bridge the gap, so you can keep your project moving.

Hiring or buying equipment

Whether you need to rent or buy diggers, cranes, scaffolding, or power tools, this funding keeps your operations running smoothly.

Bridging invoice gaps

Client payments and retentions can take time. Access 70-95% of the invoice value upfront, so you don’t have to wait to keep your cash flow steady.

Land and development costs

Cover land purchases, stage payments, renovations, conversions, or up to 100% of build costs with development loans.

Apply now

Are you eligible for construction finance?

To be eligible for any type of business loan or credit from Tide, you must:

  • Be over 18

  • Be a UK resident

  • Have a UK-based business

  • Have a UK bank account

What do you need to apply for construction finance?

  • Basic information about your business, such as how old it is, and your annual revenue 

  • Information on directors and shareholders

  • Bank statements covering the past year

Depending on your business and the finance you need, the criteria may differ.

How to apply for construction finance

With access to over 80 lenders, Tide will find a lender tailored to your business - and the process is simple.

  1. Tell us how much you need to borrow We’ll ask you how much you need, what it’s for, and for some basic information about your business.

  2. Compare loans without impacting your credit score We’ll connect you to the largest network of lenders in the UK, so you can view affordable credit options that suit the unique needs of your business.

  3. Apply in minutes Once approved, you’ll receive a quote from a lender you matched with.

  4. Get a decision and credit is released Depending on the type of finance you’ve applied for, the money could be released to the equipment supplier in around 24 hours.

Apply now

We've already helped businesses secure more than £1.1 billion

We’ve provided funding to more than 19,000 businesses across the UK, as part of our mission to help business owners grow with confidence.

What is construction finance?

Construction finance is a type of funding designed to help construction businesses, contractors, and developers manage gaps in cash flow caused by delayed client payments and high upfront costs.

Unlike regular business loans, it’s tailored to the industry’s phased payment cycles, where you often pay for materials, labour, and subcontractors long before you get paid yourself.

Construction finance provides the working capital you need to take on new projects, cover ongoing costs, and keep your business moving without waiting months for client payments to come through.

What types of construction finance are there?

Looking for something specific? There are plenty of construction financing options to choose from, each designed for different business needs.

Asset finance
From transport to specialised equipment, borrow up to £5 million in asset finance to help you secure everything you need to run your construction business - all without draining your savings.
Invoice finance
Borrow up to £10 million and release cash tied up in unpaid invoices to help finance your construction projects. Receive up to 95% of the invoice value, sometimes within as little as 24 hours.
Revenue-based financing
With revenue-based finance, your monthly payments are bsed on a percentage of your monthly revenue, allowing you to unlock growth without giving up equity. Borrow from £1,000, with finance typically available in as little as 48 hours.
Revolving credit facility
Manage your cash flow in between projects with on-demand access to working capital. Access up to £1 million to pay suppliers, cover payroll and expand your operations, without dipping into your savings.
Working capital loans
Borrow from £1,000 to £20 million to help manage unexpected costs and maintain consistent cash flow. Get quick access to money to fund last-minute projects and cover day-to-day costs without giving up equity.
Property finance
From development finance to commercial mortgages, compare your options to help you purchase, refinance or develop commercial and residential properties. Borrow from £50,000 to £50 million.

How does construction finance work?

Apply for funding

Work out what you need funding for and apply with your business details, financials, and project quotes.

Wait for approval

They’ll check your credit, assets you’re using as security, or revenue projections, then approve the loan (if successful).

Receive funding

Get quick access to finance, often within hours or days, to cover costs without waiting for client payments.

Deploy finance

Use the capital for materials, labour, or equipment (some lenders may release the money based on project progress).

Repay finance

Repay the funding through client payments, asset sales, or project revenue, depending on the type of finance.

Apply now

Aaron MoOng Ong Buns

With the help of Tide and their team of business finance experts, I was able to navigate the complexities of business finance, and secure the necessary funds to grow my business.

Alternatives to construction finance

If the usual construction finance options aren’t the right fit for your business, there are other types of funding to consider.

Unsecured business loans

Borrow money for growth, inventory and improved cash flow without risking business collateral.

 Explore unsecured loans

Merchant cash advance (MCA)

Access flexible funding that you’ll repay as a percentage of your daily card sales.

Explore MCA

How to track your business credit score

Are you wanting to improve your business credit score?

Credit Score Insights is a simple and affordable way to help you understand, track and take action to help you boost your business credit score.

 Track your credit score

Learn more about financing your construction business

Explore more funding guides
Explore more funding guides

Construction finance FAQs

With so many options available for construction companies, rates differ by product. For example, asset finance rates tend to start from around 7.9% (as of March 2026), invoice finance from around 2% + Bank of England Base Rate, and unsecured loans can be up to 24% APR.

Construction finance can be used to support the purchase or lease of all types of vehicles (eg excavators, loaders, dumpers, handlers, cranes, trailers) and plant machinery.

Yes, first-time developers and new businesses can apply, but it can be harder to get approved. You might face:

  • Higher interest rates (8-12%)

  • Lower borrowing limits (50-60% of the future property value)

  • Stricter checks, like detailed project plans, experienced teams (such as architects and contractors), and a 10-15% backup fund

Lenders typically prefer simpler projects, like residential builds, over more complex developments.

Not in all cases. For invoice finance, it’s a requirement. But it’s not essential for most other types of construction finance, though it can help strengthen your application.

No, they’re different. Construction finance is designed to support cash flow for any construction project, including materials, labour, and equipment. Commercial construction financing is specifically for building or refurbishing income-generating properties, like offices or shops.

We understand businesses, it's all we do

We understand businesses, it's all we do

Tide is built by business owners for business owners. That’s why we’re trusted by over 1.5 million sole traders, freelancers, and limited companies worldwide.

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