Call us on: 01322 912578
Finance for the trades
From electricians and plumbers to HVAC, roofing, fit-out, and fire & security specialists, we provide finance solutions that help trade businesses manage cashflow, invest in equipment and take on more projects with confidence.
Understanding your equipment needs
Specialist trades often require both everyday kit and niche equipment. We provide finance for:
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Electrical & Fire/Security – testing equipment, fire alarms, CCTV, access control
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Plumbing & HVAC – plant room kit, boilers, chillers, refrigeration units
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Roofing & Cladding – scaffolding, lifts, safety systems
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Fit-Out & Joinery – woodworking machinery, specialist tools
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Vehicles – vans, tippers, MEWPs for site access
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If there’s a piece of kit you need that isn’t listed, we’ll work with you to find a finance solution.
When business finance helps most
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Starting a new contract where materials and labour must be paid before the first invoice.
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Delays in payment leaving cash tied up.
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Expanding your team or upgrading your fleet.
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Managing seasonal slowdowns or unexpected project delays.
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Handling VAT, tax or compliance costs without disrupting operations.
Funding options tailored for trades
Every trade has different needs — whether it’s vans for your engineers, plant for site works, or bridging cashflow between staged payments. We’ll help you find the right facility.
Supporting you through peaks and troughs
Work in the trades is rarely steady. Some months are packed with projects, while others slow right down. Finance helps smooth out the quieter periods and gives you the flexibility to respond when demand picks up.
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Keep your team busy and paid during quieter spells.
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Manage cashflow when jobs are delayed or rescheduled.
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Gear up quickly for busy periods with the materials, tools, and vehicles you need.
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Take on more projects without worrying about gaps in payments.
How we work with trades
Every trade runs a little differently, so we take time to understand how your business operates before matching you with the right facility.
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We look at how you win work, bill clients, and manage your supply chain.
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We keep the process straightforward — quick decisions, clear terms, no unnecessary paperwork.
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We focus on flexibility, so finance fits around your projects rather than slowing them down.
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We stay responsive, making sure you have support when new opportunities come up or cashflow feels stretched.
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Our aim is simple: to give you the confidence to keep taking on work, invest in your team and equipment, and grow your trade business without the stress of waiting to be paid.
Business finance in action
£85k finance for a regional fire & security firm.
The business needed to purchase equipment upfront for a large commercial installation project. We provided an asset finance facility that spread the cost, keeping cash free for payroll and ongoing jobs.
FAQs for specialist trades
Who is trade finance for?
It’s designed for established businesses across all trades — electrical, plumbing, HVAC, roofing, fit-out, fire & security, and more.
How quickly can funding be accessed?
We can usually provide indicative options the same day. Once approved, funds are often released within 24–72 hours.
What size facilities are available?
Facilities can range from smaller working capital loans of £10,000 through to facilities of up to £2m, depending on turnover and requirements.
What turnover do I need to qualify?
We typically work with businesses turning over £200k+ per year. This ensures the facilities are sustainable and deliver the right level of support.
Do you only offer one type of finance?
No. We look across a wide range of options — from cashflow support to equipment funding and tax loans — and recommend what works best for your business.
Can finance help with seasonal challenges?
Yes. Facilities can be structured to smooth quiet periods and give you headroom when demand spikes.