At Able Commercial Finance, we understand how the construction industry works. As an independent broker, we provide commercial finance for construction and civil engineering businesses that need access to funding that fits the way they operate, whether that’s investing in new equipment, improving cash flow or funding growth.

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Over £25 million

Finance facilities approved

25 Years

Knowledge and experience

Over 1000

Businesses supported

Commercial Finance for Construction and Civil Engineering

Why construction and civil engineering businesses choose Able

Fund plant and machinery without tying up working capital.
Whether you’re investing in excavators, dumpers, scaffolding, telehandlers or specialist equipment, asset finance allows you to spread the cost while keeping cash available for day-to-day operations.

Bridge the gap between completing work and getting paid
Long payment terms and retentions are part of life in construction. Clients settle on 30,60, or 90 day terms but subcontractors need paying weekly. Invoice finance can release cash tied up in certified applications and unpaid invoices, helping you maintain healthy cash flow between projects.

Protect cash flow when costs keep rising
Labour, materials and fuel costs continue to fluctuate. We can help you access working capital, VAT funding and business loans that keep projects moving without putting unnecessary pressure on your reserves.

Secure funding when banks say no
Construction isn’t always an easy fit for high street lenders. As an independent broker, we work with a broad panel of specialist lenders who understand the sector and assess businesses on their individual circumstances rather than broad assumptions.

Support growth with confidence
Whether you’re taking on larger contracts, expanding your fleet, opening a new depot or recruiting additional staff, we’ll help you find finance that’s built around your business plans.

Commercial finance for building

Commercial finance for construction and civil engineering

Every construction business is different. That’s why we take the time to understand how your business operates before recommending the most appropriate funding solution.

We don’t recommend finance based on a single product – we look at your business as a whole and structure funding that supports both your immediate cash flow and your longer-term plans.

Asset Finance
Spread the cost of plant, machinery, commercial vehicles, scaffolding and specialist equipment without large upfront capital expenditure.

Invoice Finance
Unlock cash tied up in unpaid invoices and certified applications, helping you manage working capital and cover weekly subcontractor payroll while waiting for customers to pay.

VAT Funding
Spread quarterly VAT bills and protect working capital during busy trading periods.

Secured Business Loans
Spread quarterly VAT payments and avoid unnecessary pressure on cash flow during busy trading periods.

Bad Debt Protection
Protect your business against the financial impact of customer insolvency or unpaid invoices.

Finance built around your projects

Construction and civil engineering businesses rarely have straightforward funding requirements. One project may require new machinery, the next may create a temporary cash flow gap because payment terms have been stretched. Another might involve funding a significant increase in materials before work even begins.

Rather than trying to fit your business into a standard lending product, we find commercial finance solutions that match the way your projects are delivered, helping you invest with confidence while protecting working capital.

Independence

We're not tied to any lender or product range

Understanding

We know the challenges your business faces

Whole market access

Commercial finance to suit you

Support

We manage the whole process and beyond

Experience

Trusted by companies across the UK

Why choose Able Commercial Finance

"From the initial contact with Able the whole process couldn’t have run smoother & more efficiently. Any questions we had were answered straight away they spent the time helping us access the right commercial finance solutions for our business."

Matt Harding, HSF

"I've worked with Able for a number of years and couldn't do without their expertise and guidance. I'd recommend anyone to get in touch with them if they are looking for commercial finance support. A great team to know."

Martin Rooney, Focused Nutrition

"Able CF has worked with a number of our clients and done a fantastic job helping them raise finance including loans, asset finance, and invoice finance to help them fund business growth. Their depth of understanding of the client’s business ensures the finance is tailored to their needs and affordability, and they do a great job at keeping everyone in the loop. I'd strongly recommend anyone to get in touch with them."

Jeremy Bostock BA(Hons) BFP FCA, Thompson Wright Accountants

"We have used Able CF to advise our clients over many years and assisted many hundreds of them to grow their businesses and in some cases fend off impending disasters. We have always been impressed by their knowledge and ingenuity in the financial markets, combining products that have served so many of our clients extremely well. The service has always been professional but also very personal and they go the extra mile. We always recommend Able Commercial Finance to our clients."

Peter Ainley, Ainleys Accountants

Working with Able

1

Discovery - Getting to know you, your business and what you are trying to achieve as well as the numbers behind the business.

2

Funding Strategy and Proposal - A funding structure that is designed to meet your unique challenges and objectives.

3

Application - Able handle the application process on your behalf and keep you informed every step of the way.

4

Ongoing Relationship - Able are a long-term partner. We'll help you update your commercial finance options as your business evolves.

FAQs

Can you help if our bank has declined our application?
Can you finance used plant and machinery?
Can invoice finance help with retentions?
How quickly can funding be arranged?
Our subcontractors need paying weekly. Can you help fund payroll?
Does the Construction Industry Scheme (CIS) affect the funding available to us?
Do we need to give a personal guarantee?
Our workload varies by project and season. Does funding flex around that?

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Let’s unlock your next stage of growth

Commercial finance for construction and civil engineering businesses

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