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Construction & trades finance

Construction finance covers plant, vehicles, materials and the cash-flow pressure of staged valuations, CIS deductions and retentions. Rook Bristol funds UK contractors and trades with asset finance, invoice finance and revolving credit, from £10,000 to £1 million.

Fund the job before the valuation lands

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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.

What makes funding contractors different?

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.

The funding contractors use most

What contractors fund with us

  • 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

What do I need to qualify?

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

Construction & trades finance questions

Something else on your mind? Ask the team.

Can subcontractors get funding?
Yes. We fund subcontractors and specialist trades as well as main contractors, subject to our trading and turnover criteria.
Can invoice finance work with construction applications for payment?
Some construction invoices can be financed, depending on the contract terms and the paying party. Your finance team will review your contracts and explain what can be funded.
Do you finance used plant?
Yes. Asset finance covers new and used plant and vehicles from dealers and auctions, subject to valuation.
Does being in CIS affect my application?
No. We understand how CIS works and look at your gross and net receipts to build an accurate picture of your cash flow.

Finance built for contractors.

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

Apply nowContact our team