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Construction Finance

Capify offers a construction business loan which is quick and easy to apply for. The construction business loan is unique because instead of being paid back in large monthly chunks, it’s paid back in small and regular amounts.

Owning a business in the construction industry requires a strong team of knowledgeable and efficient experts. There’s also the need to buy safety equipment, machinery, tools and materials, all of which can be expensive. If you’re looking to grow your construction business but require a cash boost, Capify can help. 

Check Eligibility

Benefits of a construction business loan from Capify

There are many benefits of coming to Capify for a construction business loan.

  • You can grow your business and achieve your plans
  • The repayments are small and manageable
  • The whole process, from application to funding, is quick and hassle-free
  • You don’t need to wait for an invoice payment before you take on a new job
  • We’re always at the end of the phone if you have a question

You could use Capify's construction business loan in the following ways

Capify’s construction business loan is most commonly used for:

  • Machinery
  • Equipment
  • Materials
  • Knowledgable staff

It’s important to emphasise that the loan can be used for any business purpose, whether that’s one of the reasons above or something completely different.

 

Check if you're eligible for a construction business loan

Capify’s construction business loan is a fantastic option for anyone that wants to grow their business. To be eligible you must:

  • Own a UK based business
  • Own a limited company
  • Have a trading history of 12 months+
  • Process more than £7,500 a month through your business bank account

Tick all the boxes?

Why not apply today and find out how much you can raise.

Construction businesses can raise money with Capify

Due to the nature of the construction industry, it can take a while for business owners to get paid for their work. 

If you find yourself in a situation where you’re offered a fantastic new construction job but can’t afford to take it on, Capify can provide you with the required funds. You can raise finance to pay for new staff, materials and equipment.

We’ve been helping construction businesses thrive for over a decade.

Flexible, affordable finance 

Large monthly payments can be tough to manage along with all your other business expenses. A Capify business loan makes it easy to raise finance and manage healthy cash flow. You can raise £5,000 to over £500,000 and pay it back in small daily or weekly payments over 6-12 months.

Get Approved

 

Contributing billions to the UK economy

The construction sector contributed £117 billion to the UK economy in 2018, 6% of the total economic output.

 

 

The construction industry is vast and growing year on year

The number of construction firms operating in the construction industry has continued to rise – reaching its highest level on record – with 325,736 registered firms operating in Great Britain in 2018, increasing by 11,146 (3.5%) compared with the previous year.

Creating job opportunities in the UK

In 2019, there were 2.4 million jobs in the construction industry. That’s 7% of the UK total.

 

 

Applying for business finance with Capify is easy

Step 1: 

Fill out our simple online application. It takes two minutes from start to finish and you’ll find out if you’re pre-approved.

Step 2:

Submit the required documentation to our underwriting team, they’ll have a look over it and let you know how much you qualify for!

Step 3:

Sign the agreement and then the funds will be released. Now you have the money to achieve your plans!

Get Approved

FAQ's

Why do construction firms need to borrow money?

One of the main reasons a construction company might approach Capify for a loan is based on the way they’re paid, which is often via invoice. It’s typical for a construction business to complete a large job, but not receive the payment for several weeks. Therefore, if a new job is lined up, it can be difficult to afford the staff, materials and tools needed to complete it. However, turning it down could be detrimental for the business. With funding from Capify, owners are able to take on the new job and repay their loan in small and manageable amounts.

Other reasons include:

  • Hiring staff members
  • Materials 
  • Tools 
  • Equipment 

Why should I choose Capify over another finance provider?

Our customers sit at the heart of everything we do and therefore it’s important that we make our products simple and accessible. We’re proud to have a team of dedicated professionals who can help guide retail owners through the process and find the best solution for them. For this reason, we’ve built a strong community of customers who come back to us time and time again.

We place a lot of emphasis on human communication over tech. Whilst we think that tech is important and delivers a fast process from application to receiving your funds, you’ll also have a dedicated point of contact who will always be available at the end of the phone if you’ve got a question. 

We also have a team of real people who look over every single deal. Not every business is the same, so we believe that underwriting should be conducted on a case by case basis rather than using a ‘one rule fits all’ approach.

Top tips for construction businesses

Your team are everything 

The people that you choose to hire will be representing your business. If they’re slow, unreliable or often make mistakes, it could give your company a bad reputation. Choose new employees based on their skills and recommendations from others; and make sure you retain existing staff by offering promotions and incentives.

Never underestimate word of mouth

Word of mouth is a powerful and free way to promote your business. If you work hard on a job and demonstrate how skilled and efficient your team are, people will talk about it. Your business will be recommended for other projects and spoken about for all the right reasons.

Safety comes first

The construction industry can be dangerous, people often work with heavy machinery and use sharp tools. As a business owner, it’s your responsibility to ensure employees know what they’re doing. You need to provide thorough training, make sure safety measures are being followed and that no corners are cut. It’s up to you to keep your team safe.

Capify is proud to offer…


The personal touch

Our customers are never passed around a generic call centre. You’ll speak to the same Manchester-based account manager throughout the application process.


Get your funds in days

We work with small businesses from all over the UK, helping them get the cash they need when they need it.


Flexible daily repayments

No large monthly payments, just simple, manageable repayments over 6 to 12 months.

Why Capify?

Capify’s goal is to provide simple, quick, and responsible access to capital. We prioritise flexibility, excellent customer service, and have invested in funding solutions that work.

Enquire now, and you’ll be guided through the process by a dedicated account manager. They’ll be on hand to answer your questions and take care of your application from first contact to receiving your funds.

Get Approved

We’re trusted by thousands of small and
medium sized businesses.

We take pride in working with thousands of UK businesses, and we really appreciate what they say about our
products and services.