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Business loans for construction & trades

An unsecured business loan is a lump sum from £10,000 to £1 million, repaid in fixed monthly instalments over up to 60 months, with no property or assets taken as security. Contractors use Rook Bristol business loans to buy or lease plant, vans and tools or fund materials for a new contract, with 3 to 60 months and decision within 24 hours; funds within 48 hours of signing.

Apply nowAbout business loans
Check your eligibilityStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your finance manager.

£10K£1M
How long have you been trading?
What's your average monthly turnover?

Total money coming into your business account in a typical month.

What type of business is it?
Where should we reach you?

We'll use this only for your application.

Business loans for contractors
Amount£10,000 – £1,000,000
Term3 to 60 months
SpeedDecision within 24 hours; funds within 48 hours of signing
PaymentsFixed monthly instalments
Best forExpansion, refurbishment, hiring, stock and one-off investments

Common uses in construction & trades

  • Buy or lease plant, vans and tools
  • Fund materials for a new contract
  • Bridge staged valuations and retentions
  • Cover CIS deductions until they're reclaimed
  • Take on a larger project

Why contractors choose an unsecured business loan

You're paid in stages

Applications for payment and monthly valuations mean labour and materials are paid out well before money comes in.

Retentions tie up margin

Typically 3% to 5% of each valuation is held back until practical completion or beyond. Working capital covers what retentions lock away.

CIS deductions squeeze cash

Subcontractors see deductions taken at source under the Construction Industry Scheme, reclaimed only later. Revolving credit bridges the gap.

Plant and vans earn their keep

Excavators, telehandlers and vans can be spread over their working life with hire purchase or leasing.

How does an unsecured business loan work?

  1. 1

    Apply online in a few minutes with your Companies House number, turnover and what the funds are for. Checking eligibility won't affect your credit file.

  2. 2

    Connect your business bank account through Open Banking so our decision engine can read real trading performance, not just a credit score.

  3. 3

    Your UK finance team confirms an amount, term and total cost, set out in pounds, within 24 hours. Nothing is binding until you sign.

  4. 4

    Sign electronically and the funds reach your business account, typically within 48 hours. Repay by Direct Debit on a fixed schedule.

What do I need to qualify?

  • 6 months trading
  • £10K+ in monthly turnover
  • A UK-registered business
Check my options

Other funding for contractors

Questions, answered

Something else on your mind? Ask the team.

Can contractors qualify for an unsecured business loan?
Many can. We typically look for a UK-registered business, 6 months trading and £10K+ in monthly turnover. We review construction & trades businesses with the sector's cash-flow patterns in mind. All finance is subject to status.
What is an unsecured business loan?
It is a loan that isn't secured against a specific asset such as property or machinery. You receive a lump sum and repay it in fixed instalments. Directors are usually asked for a personal guarantee, which is standard across UK unsecured lending.
How much can my business borrow?
Rook Bristol lends from £10,000 to £1 million. The amount offered depends on your turnover, trading history, cash flow and existing commitments. As a guide, applicants need at least 6 months of trading and £10,000 or more in monthly turnover.
Can subcontractors get funding?
Yes. We fund subcontractors and specialist trades as well as main contractors, subject to our trading and turnover criteria.

Want to partner with us?

Businesses, brokers and introducers: check eligibility in about three minutes, or talk to our team about working together.

Apply nowContact our team