Finance for Construction & Trades

Call us on 01832 770 273

Instant funding decisions under £100,000

Grow the borrowing power of your business

Funding from £25,001 to £5million

Prioritised by our panel of lenders for enhanced approval

Instant decisions under £100,000

Grow the borrowing power of your business

Funding from £25,001 to £5m

Prioritised by lenders for enhanced approvals

Rated 'Excellent' on Trustpilot

Build your business with bright finance solutions

At BEAR Business Finance, we support construction companies and trades businesses of all sizes. We understand the demands of funding materials, labour and equipment before payments are received. With our panel of extensive and diverse lenders, we help you secure the right finance to keep projects moving, strengthen cashflow and support long-term growth.

Bridging project costs and customer payments
Materials and labour
Plant, machinery and vehicles
Tools and equipment
VAT and tax payments
Working capital
Larger contracts and new projects
Business growth and expansion

Build your business with bright finance solutions

Bridging project costs and customer payments
Materials and labour
Plant, machinery and vehicles
Tools and equipment
VAT and tax payments
Working capital
Larger contracts and new projects
Business growth and expansion

Call Our Experts

Get Approved Now

Call Our Experts

From £200k to £600k and a Huge 25.2% APR Reduction for Plumbing Client

Breaking the Hire-Purchase Cycle: £185K Funding Package Paves Way to Major Contracts for Construction Business

How BEAR Helped Playground Installation Experts Four Acres Play Scale Their Sustainable Business

Electrical Installation Company Save £600+ Monthly Through Smart Consolidation

Breaking Into Bigger Contracts: £50k Facility Frees Up Cashflow for Growing Construction Business

From Multiple Short-Term Loans to One Long-Term Solution: A Construction Success Story

From £200k to £600k and a Huge 25.2% APR Reduction for Plumbing Client

Breaking the Hire-Purchase Cycle: £185K Funding Package Paves Way to Major Contracts for Construction Business

Construction & Trades
Discover what's possible with the right finance solution

Construction & Trades
Discover what's possible with the right finance solution

Construction and trades businesses often face significant upfront costs before they're paid, many businesses are currently dealing with:

Long payment terms and delayed payments

Paying for materials before receiving customer payments

Rising material prices reducing profit margins

Skilled labour shortages and increasing wage costs

Higher fuel and energy costs

Supply chain delays affecting project schedules

Taking on larger contracts that require significant upfront investment

Purchasing expensive plant, machinery and specialist equipment

Seasonal fluctuations in workload

The right finance solution can help reduce these pressures while giving your business the confidence to grow.

Bridging Project Costs and Customer Payments

Cover the gap between paying for labour, materials and subcontractors and receiving payment from your customers. Finance helps keep projects on track without straining cashflow.

Materials and Labour

Purchase timber, steel, aggregates, electrical items, plumbing supplies and fund labour costs before work begins. Ensure you have everything in place to deliver projects on time.

Plant, Machinery and Vehicles

Invest in excavators, diggers, telehandlers, generators, vans, and specialist construction equipment without making a significant upfront capital outlay.

Asset Finance can be more tax efficient than purchasing outright and helps spreads the cost of the asset.

Bridging Project Costs and Customer Payments

Cover the gap between paying for labour, materials and subcontractors and receiving payment from your customers. Finance helps keep projects on track without straining cashflow.

Materials and Labour

Purchase timber, steel, aggregates, electrical items, plumbing supplies and fund labour costs before work begins. Ensure you have everything in place to deliver projects on time.

Plant, Machinery and Vehicles

Invest in excavators, diggers, telehandlers, generators, vans, and specialist construction equipment without making a significant upfront capital outlay.

Asset Finance can be more tax efficient than purchasing outright and helps spreads the cost of the asset.

Call Our Experts

Get Approved Now

Tools and Equipment

Purchase everything from power tools and surveying equipment to safety gear and site technology, helping your team complete contracts efficiently.

VAT and Tax Payments

Spread the cost of tax liabilities, meet HMRC deadlines and avoid penalties, while preserving cashflow for day-to-day operations.

Working Capital

Strengthen your cashflow with additional working capital to cover wages, overheads, supplier payments and other day-to-day or unexpected business expenses.

Larger Contracts and New Projects

Take on larger contracts with confidence by securing the funding needed to purchase materials, hire additional labour or subcontractors.

Business Growth and Expansion

We're committed to helping businesses grow, from acquisitions to larger premises. Recent examples include funding an additional business acquisition and a steel and glass installer's relocation