Project Capital for Builders and Contractors
Bridge the gap between project costs and client payments. Equipment finance, payroll cover, and working capital built for the construction cycle.
- ✓ Soft search only — no impact on your credit score
- ✓ Money in your account in about 24 hours
- ✓ Compare lenders with one application
2,400+ businesses fundedNo upfront fees • Free quote in minutesTwo banks told me to come back next year. These guys had the money in my account by Thursday.
Nobody ran a hard search, nobody played games. The offer they showed me is the offer I got.
Bought a second van right before our busy season. It paid for itself in two months.
How much would actually help?
We build around your business.
No collateral required
We fund the business on its revenue — not your possessions.
Pay when you can
Repayment follows your actual sales — strong months pay more, slow months ease up.
Funded fast
Most owners see offers the same day and money within ~24 hours of signing.
Construction Business Funding
Construction businesses live on a delayed-payment cycle that creates constant capital tension. You purchase materials, pay subcontractors, and cover plant costs weeks or months before receiving progress payments or final invoices. A single large project can tie up hundreds of thousands in working capital, and taking on additional jobs without adequate funding means stretching resources dangerously thin.
Granton Hale understands the project-based nature of construction finance. We assess your business on contract backlog, accounts receivable, and revenue history — not just your credit history, and a soft search leaves no mark on your file. Main contractors, specialist trades (heating, plumbing, electrical), and commercial builders all face the same core challenge: funding the gap between project costs and client payment. Our solutions are structured around that reality.
We've funded contractors for heavy plant purchases, bridge capital between progress payments, bonding support, and fleet expansion. Our decision speed — typically under 6 hours — means you can bid on new projects knowing your funding is in place, rather than turning down work because of cash-flow constraints. Most facilities require no personal guarantee.
The funding gaps we close.
Progress Payment Delays
Net-30 to Net-90 payment terms on commercial projects mean you're financing labour and materials for months before being paid. Variations and inspection delays push timelines even further.
Plant and Equipment Costs
Heavy plant — excavators, cranes, concrete pumps, telehandlers — costs £40K to £400K+ per unit. Hiring erodes margins over time, but purchasing requires capital most contractors don't have liquid.
Seasonal and Cyclical Revenue
Weather-dependent trades can see revenue drop 40–60% during winter months while insurance, finance payments, and key employee salaries continue at full cost.
Bonding and Insurance Requirements
Winning larger contracts often requires performance bonds and increased insurance cover — both of which tie up capital or require accounts that reflect liquidity you may not currently have.
Funding built for your work.
Finance heavy plant, vehicles, and tools with terms matched to the asset's useful life. Keep capital free for operations while building equity in your fleet.
Cover payroll, materials, and subcontractor costs between progress payments without depleting your operating reserves.
Maintain a revolving credit facility to draw on for project costs as needed, paying interest only on deployed capital.
Convert outstanding invoices from completed work into immediate cash rather than waiting 30–90 days for main contractors or developers to pay.
Your funding in three steps
Apply online
- 60-second form, plain questions
- Soft search only — no score impact
- Bank-level encryption
Compare real offers
- Every option, side by side
- Same-day decisions
- Free to look — no obligation
Get funded
- Funded within ~24 hours
- No hidden fees, ever
- Built around your needs
What owners do with it.
Purchase timber, concrete, steel, and supplies upfront for a new contract without waiting for the first progress payment.
Finance excavators, tipper lorries, or specialist tools to take on larger or more diverse project types.
Keep crews paid and working when progress payments from main contractors or developers are delayed by inspections or variations.
Demonstrate the financial capacity to win bonded commercial projects that require proof of capital and liquidity.
Owners just like you — funded.
Real businesses, real outcomes. Names and details changed for privacy — the numbers are typical of funded files.
Fair questions, straight answers.
01Can I get equipment finance for used construction plant?+
Yes. We finance both new and used plant including excavators, loaders, tipper lorries, cranes, and specialist tools. For used equipment, we assess the asset's remaining useful life and fair market value as part of the underwriting.
02Do you work with subcontractors or only main contractors?+
We fund both. Whether you're a main contractor managing multi-million-pound projects or a specialist subcontractor (electrical, plumbing, heating, groundworks), we assess your business on your contract backlog, receivables, and revenue history.
03How quickly can I get funded for a new project?+
Most construction funding decisions are made within 6 hours of receiving your application and supporting documents. Capital can be deposited within 24–48 hours, allowing you to mobilise quickly for new contracts.
04Can I use funding to cover bonding requirements?+
While we don't issue performance bonds directly, our working capital and lines of credit can strengthen your balance sheet and liquidity position, which bond providers assess when setting your bonding capacity.
See your numbers first. Then decide.
- ✓ Pre-qualify in 60 seconds
- ✓ No obligation, no pressure calls
- ✓ Real people behind every file — 100% online