Lender directory
UK construction business finance lenders
UK lenders publishing criteria relevant to UK construction firms — builders, subcontractors, civils, M&E and development. Asset finance, invoice finance against certified work and bridging or development loans dominate the funding mix. Each lender's detail page summarises sector appetite and eligibility signals.
Eligibility guidance only - not financial advice, not a loan offer, not a guarantee of approval. Lendrly is not FCA-authorised and is not a credit broker.
UK lenders tracked (23)
Listed A-Z. Not a ranking or recommendation.
- AL
Allica Bank
Asset Finance · Bridging Finance
Allica Bank is a UK challenger bank focused on established SMEs, offering commercial mortgages, asset finance and business savings.
Amount: £25k–£2.5m
See lender profile - BI
Bibby
Invoice Finance
Bibby Financial Services is a long-established UK invoice and trade finance provider serving SMEs across multiple sectors.
See lender profile - CA
Capify
Unsecured Business Loan
Capify is a UK alternative finance provider focused on merchant cash advances and small business loans for retail and hospitality SMEs.
Amount: £5k–£1m
See lender profile - FL
Fleximize
Unsecured Business Loan
Fleximize is a UK alternative SME lender offering flexible secured and unsecured term loans with revenue-linked features.
Amount: £10k–£1m
See lender profile - FC
Funding Circle
Unsecured Business Loan
Funding Circle is a UK-listed direct lender offering unsecured term loans, FlexiPay and a credit card to established UK SMEs.
Amount: £10k–£750k
See lender profile - GR
Grenke
Asset Finance
Grenke is a European specialist leasing provider with a UK arm focused on IT, office equipment and small-ticket asset finance.
See lender profile - HT
Hampshire Trust Bank
Bridging Finance
Hampshire Trust Bank is a UK specialist lender providing asset, development and specialist mortgage finance to SMEs.
Amount: £100k–£10m; developer exit up to £25m
See lender profile - HO
Hope Capital
Bridging Finance
Hope Capital is a UK specialist short-term and bridging lender providing unregulated bridging loans for property investors and developers.
Amount: £100k–£5m
See lender profile - IW
iwoca
Unsecured Business Loan
iwoca is a UK alternative SME lender providing flexible short-term loans and credit lines, often used for working capital and stock.
Amount: £1k–£1m
See lender profile - KR
Kriya
Invoice Finance
Kriya (formerly MarketFinance) is a UK B2B payments and invoice finance provider serving SMEs and larger trading businesses.
Amount: Up to 90% invoice advance
See lender profile - LO
Lombard
Asset Finance
Lombard is the asset finance arm of NatWest Group, providing hire purchase, leasing and refinance to UK businesses.
Amount: £25k+
See lender profile - NA
NatWest
Invoice Finance · Commercial Mortgage · Business Credit Card
NatWest is a UK high-street bank offering SME term loans, overdrafts, commercial mortgages and asset finance (via Lombard).
Amount: Standard card: turnover up to £2m; OneCard £2m+
See lender profile - NF
Novuna Business Cash Flow
Invoice Finance
Novuna Business Cash Flow is the invoice finance arm of Novuna (formerly Hitachi Capital UK), serving UK SMEs with factoring and discounting.
Amount: Up to 90% invoice value
See lender profile - NB
Novuna Business Finance
Asset Finance
Novuna Business Finance provides asset finance, hire purchase and leasing to UK SMEs across vehicles, equipment and technology.
See lender profile - NU
Nucleus
Revenue-Based Finance · Unsecured Business Loan
Nucleus Commercial Finance is a UK alternative lender providing cashflow loans, asset and invoice finance and property-backed term loans.
Amount: Up to £300k; up to 200% monthly revenue
See lender profile - PR
Propel Finance
Asset Finance
Propel Finance is a UK specialist asset finance lender providing hire purchase and leasing for vehicles, equipment and IT.
See lender profile - SA
Simply Asset Finance
Asset Finance
Simply Asset Finance is a UK specialist asset finance lender funding equipment, vehicles and machinery for SMEs.
Amount: £15k–£5m
See lender profile - SB
Skipton Business Finance
Invoice Finance
Skipton Business Finance is a UK invoice finance specialist offering factoring and invoice discounting to SMEs.
Amount: Up to 90% invoice advance
See lender profile - TH
ThinCats
Secured Business Loan
ThinCats is a UK specialist business lender providing mid-market cashflow loans, often through advisers, to established UK SMEs.
Amount: £1m–£30m
See lender profile - TI
Time Finance
Invoice Finance
Time Finance is a UK alternative lender providing asset finance, invoice finance and unsecured loans to SMEs.
Amount: Up to 90% invoice advance
See lender profile - TO
Together
Bridging Finance
Together is a UK specialist lender providing commercial mortgages, bridging finance and buy-to-let loans to property professionals.
Amount: Property-backed; commercial can reach 100% with extra security
See lender profile - UT
United Trust Bank
Bridging Finance
United Trust Bank is a UK specialist bank providing bridging, development, asset and structured property finance to SMEs.
Amount: £100k–£5m key features; up to £15m broader
See lender profile - WO
West One
Bridging Finance
West One Loans is a UK specialist lender providing bridging finance, buy-to-let and development loans for property and business owners.
Amount: Min £75k residential
See lender profile
Logos, trademarks and brand names belong to their respective owners. Lendrly is not affiliated with, endorsed by, or sponsored by these lenders unless clearly stated. Information is paraphrased from public lender pages and may not be exhaustive — always verify directly with the lender before applying.
How to use this directory
The directory is built for research, not for ranking lenders against each other. Two lenders covering the same theme can take very different views on trading history, sector risk, security and personal guarantees. Open each lender's profile to read the eligibility breakdown by product, including common blockers, typical repayment structure and speed to funding.
Lendrly does not act as a regulated credit broker. We do not submit applications on your behalf and we do not earn commission per lender click. Provider information is summarised from publicly available material and may not be exhaustive. Where details are not publicly disclosed, the lender's page will say so rather than guess.
Related guides and directories
Frequently asked questions
- Why is invoice finance common in UK construction?
- Long payment terms and retentions are common in construction supply chains. Invoice finance and specialist construction-finance products fund against certified applications for payment, smoothing cashflow without taking on new term debt.
- How are lenders listed on this page?
- Lenders appear in alphabetical order. This is not a ranking or a recommendation. Every lender is summarised from its publicly published criteria and may have other products outside this page's scope — see each lender's detail page for the full picture.
- Does appearing on this page mean approval is likely?
- No. Final terms, pricing and approval are subject to each lender's underwriting, affordability checks, credit assessment and documentation. Lendrly summarises published eligibility signals only; it cannot predict any individual application outcome.
- Is Lendrly a regulated credit broker?
- No. Lendrly is an independent education-first guide to UK SME finance. We do not submit applications, do not earn commission per lender click, and do not act as a regulated credit broker. Always confirm criteria, pricing and product availability directly with the lender before applying.
See which of these lenders may fit your business
Run the eligibility checker to compare your business profile against published lender criteria. Educational guidance only — not a quote and not a guarantee of approval.
Important — educational guidance only
- Not regulated by the FCA and not a credit broker.
- Not financial, legal or tax advice.
- Not a loan offer and not a guarantee of approval.
- Subject to lender underwriting — criteria can change.
Lendrly provides general eligibility guidance only. It is not financial advice, a loan offer, or a guarantee of approval. Provider criteria can change and final approval is subject to lender underwriting, affordability checks, credit assessment, and documentation. Lendrly is not a regulated credit broker; we do not submit applications on your behalf.