Commercial Finance For Construction

Retention clauses. Staged payments. Expensive equipment. In construction, cash flow doesn’t always match the norms — and that’s why we exist. As commercial finance construction specialists, we arrange funding for businesses who’ve been told their requirements are “too complex.” Complex is what we do.

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Specialists in Commercial Finance for Construction

Commercial finance in construction is about understanding project cycles, contractor payment chains, and the nitty gritty of retention release. Where many brokers see risk and look elsewhere, we have spent years arranging funding. This means we know exactly how to arrange commercial finance for construction companies; matching them with lenders who assess more than just bank statements.

1.

We ‘Get’ Retention and Staged Payments

Retention clauses holding back 5-10% for months? We structure commercial finance for construction around these realities, not against them.

2.

Kit Finance That Reflects Value

We arrange asset finance for heavy machinery with lenders who understand construction plant economics — that £300k excavator is revenue-generating equipment, not risk.

3.

Working Capital for Project Cashflow

Need money for materials before the client pays? Our commercial finance for construction includes working capital structured around your needs.

4.

We Know Your Sector Inside-Out

CIS deductions. Labour-only subcontractors. VAT reverse charge. We speak construction fluently, so you won’t need to translate industry terms.

“We’re in the construction business and in this industry, things can get tight at times. That’s why we spoke to the girls. They were really professional, very encouraging and kept me calm. They were always at the end of the phone or text message and they always replied back very promptly.”
Concrete Supplier, Northamptonshire
“I would absolutely recommend your services to other businesses. The professionalism and expertise of your team were invaluable in helping me achieve my goals.”
Maintenance Business, Wolverhampton
“Just wanted to say that recently we used Mills Commercial Finance – Samantha Elsby-Colton in particular – to check out some finance for our small company and she couldn’t have been more helpful in ensuring we got the right information.”
Hairdressers, London
“I do not generally send reviews as I rarely feel that my expectations have been met – never mind exceeded! On this occasion I am more than prepared to put in writing that you have exceeded my expectations by a country mile!!”
Joinery Business, Leeds
“Mills were excellent from start to finish in terms of communication and identifying the right package for the business. I would thoroughly recommend to anybody looking for funding.”
Retailer, Manchester

How We can Help

Whether you need project funding, equipment finance, or cash flow solutions for retention gaps, our commercial finance for construction companies covers the full spectrum. Here’s what we arrange for businesses operating in the real world.

Loans

Secured business loans for expansion, equipment purchases, or working capital. Get fixed terms aligned with contract pipelines, not generic repayment schedules.

ASSET FINANCE

Fund excavators, dumpers, telehandlers, cranes, scaffolding. Hire, purchase, or lease structured around project cycles and seasonal variations.

Bridging Loans

Site acquisition, development funding, project cash flow gaps. Fast bridging finance when timing matters and exciting opportunities won’t wait.

Overdrafts

Working capital that flexes with contract pipelines. Overdrafts can help you adapt to lumpy income, staged payments, and seasonal trading patterns.

Fuel Cards

Consolidated billing, preferential rates, fleet management, to control site vehicle costs without tying up working capital daily.

Invoice Finance

Release a percentage of invoice value in short timescales. Works with retention clauses, staged payments, and application schedules.

About Mills Commercial Finance

Business overdrafts should flex with your actual trading patterns, not just fit a generic template. Seasonal peaks, contract-based revenue, or rapid growth creating gaps…if your cash flow doesn’t follow neat monthly cycles, standard high-street criteria may not work for you. Manchester-based but operating nationwide, we match you with lenders who assess your business fundamentals.

FAQs

Construction cash flow doesn’t fit neat boxes. There are retention clauses, staged payments, project-based income, expensive equipment purchases, and more. Lenders who don’t understand the sector see risk, but we see standard trading patterns.

Usually yes. Construction businesses often have complex financial histories; rapid growth, past project disputes, seasonal trading. We present your case properly to lenders who assess viability, not just credit scores. If the business fundamentals work, we can find routes forward.

Depends on complexity. Simple asset finance or fuel cards: within days. Invoice finance facilities: 1-3 weeks. Larger loans/development funding take longer.