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Fresh Thinking Capital

Construction Finance

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    With our construction finance, we can help ease cashflow problems that may arise from late payments, free up working capital or ensure you have the funds to improve your negotiation position.

    Unlike most major lenders, Fresh Thinking Capital don’t have a tick box mentality. We take a look at your unique circumstances, the opportunity and your business plan to enable us to provide the funding to make your opportunity come to life. Through our unique experience and team, from lending agreement, we can have the money to you within as little as five days


    Improve Cashflow and free up working capital

    Ensure your project is funded from start to completion. Paying wages, suppliers, bills and utility costs over a period of time can have a detrimental effect on cashflow. Using Finance rather than dipping into cash flow can result in greater working capital for a business. In turn, this can allow a company to take on bigger and more projects using Construction Finance and still allow for cash funds to be used for other business costs.

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    Stronger Negotiating Position

    Companies that have strong capital backing are in a better position to negotiate on new client contracts, supplier services and bulk material buys. Using Construction Finance you can be assured you have the capital to back up your business, allowing you the confidence to focus on moving your opportunities forward without worrying about how to fund them.

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    Combat late payment or delayed projects

    Even the best planned projects usually have a few hiccups along the way. When delays strike or payments from clients are delayed, Construction Finance can give you peace of mind that your project (and business) can continue to move forward.

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    Case Studies

    Land loan to buy land without planning permission

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    Working capital financing for a fashion company

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    Auction finance bridging loan for a police station

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    Short-term equity release loan secured by land

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    Frequently Asked Questions

    What security can I provide for Construction Finance?
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    Our fast construction finance is accompanied by the flexibility to use a variety of tangible assets as security for our short-term funding, giving you the option to use assets that are held within your business or outside the business. Typically, our clients use assets such as commercial property, land, investment property and in some circumstances, the development itself, depending on what stage the development is at, to secure their funding. Although, depending on the construction job, you can also secure your funding using specialist assets such as quarries, care homes, hotels, holiday parks, farms and more.

    Can I pay back my Construction Finance early?
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    Yes, you can pay your short term funding back at any time with payment of the minimum interest period.

    Is your Construction Finance amortised or paid back in one final instalment?
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    Most of our short-term Construction Finance loans are repaid in one bullet payment.

    Do you require onsite surveys?
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    For our construction finance, a member of our team will always arrange a convenient time to visit the site. Depending on what security is provided, we will also arrange for a valuer to value the asset, but we tend not to require full surveys. In some cases, if timescales are tight, we can even undertake a desktop survey.

    Do you lend based on a business’ turnover?
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    Each enquiry is handled on an individual basis which makes our funding decisions bespoke to your business’ circumstances. From our working capital finance, business purchase funding and restructuring finance offerings, we can offer funding facilities to suit a range of construction businesses. If you’d like more information, please get in touch with a member of our team.


    Lending Process

    Latest blog

    Fresh Thinking Capital are delighted to announce our new funding line with Foresight Group
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      We’re happy to announce we have secured an initial funding line of £25 million with Foresight Group to continue to provide much needed financing to a wide range of SMEs who require a lender to tailor funding that is right for them. Over the last 18 months, the UK has been in a state … Continue reading Fresh Thinking Capital are delighted to announce our new funding line with Foresight Group

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