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01604 43 43 43
hi@centurybusinessfinance.co.uk

Groundwork Contractors Business Loans & Finance

Simple, Flexible Funding to Keep Your Projects Moving.

Check If I Qualify
ground works contractor

 

 

 

Check eligibility
in 20 seconds

Apply online
in 2 mins

Decisions in
less than 1hr

Borrow between
£10,000 - £250,000

No fees to
settle early

 

                     

 

Groundwork Business Loans from £10,000 to £250,000

Groundwork contractors operate at the earliest and most capital-intensive stage of any build. Before structures rise above ground level, you’ve already committed to excavation costs, drainage systems, plant hire and workforce mobilisation — often weeks before receiving your first valuation payment.

Because groundwork is heavily front-loaded, cashflow pressure can build quickly, especially when retention clauses or 30–60 day payment terms apply. Access to fast, unsecured funding between £10,000 and £250,000 allows you to stabilise working capital, protect margins and deliver projects without interruption.

Finance Designed for Site-Based Contractors

Unlike general construction firms managing long build programmes, groundwork businesses typically operate across multiple short-duration sites, each requiring rapid mobilisation and upfront expenditure.

Whether you need to:

  • Fund aggregates and concrete pours

  • Cover fuel and plant running costs

  • Support subcontracted drainage teams

  • Bridge valuation-to-payment gaps

Flexible business finance helps you keep teams active without draining reserves. With fast decisions and same-day funding available, you can respond quickly to new contracts and urgent site requirements.

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Your Fast Track To Funding

10,000
+

Businesses helped

892,000,000
£

Million funds sourced

24
 hours

Average turnaround from start to finish

10000
+
Businesses helped
892000000
£
Million funds sourced
24
hours
Average turnaround from start to finish
10000
+
businesses helped
892000000
£
million funds sourced
24
hours
average turnaround time from start to finish

What Are Groundwork Contractor Business Loans?

Groundwork contractor loans are unsecured business funding solutions structured around the realities of earthworks, excavation and infrastructure preparation.

Rather than securing finance against plant or property, you can borrow a fixed amount and repay it over a term aligned to your trading cycle. Loans can be structured as:

  • Short-term cashflow funding

  • VAT or tax bill loans

  • Growth finance for expanding site capacity
  • Larger business loans for established contractors

Funding is commonly used to support labour costs, plant hire deposits, equipment upgrades, materials procurement or scaling into larger commercial developments.

How Do Groundwork Business Loans Work?

We keep the process efficient so you can focus on running sites rather than paperwork.

Apply in Minutes

Applications are completed digitally and typically require:

  • Basic company information

  • Six months of business bank statements

  • Latest filed accounts

  • A summary of how funding will support your operations

  • Clear documentation enables faster decisions.

Lender Assessment

Lenders review:

  • Turnover consistency

  • Contract pipeline visibility

  • Cashflow timing and payment cycles

  • Overall financial stability

This ensures repayments remain manageable alongside project commitments

Repayments

Once approved, funds can often be transferred the same day. Repayments may include:

  • Fixed daily, weekly or monthly schedules

  • Short- to medium-term options

  • Early settlement with no additional fees

This gives you cost certainty while maintaining operational flexibility.

Why Choose Century for Groundwork Business Finance?


Century focuses exclusively on business loans for UK companies. We don’t divide our attention across multiple financial products our expertise is fast, flexible unsecured funding.

We understand that groundwork contractors face:

  • High mobilisation costs

  • Retention payment delays

  • Fuel and plant volatility

  • Rapid project scaling demands

With access to a wide panel of lenders and a dedicated Account Manager supporting your application, we work to secure funding efficiently so your projects remain on schedule.

When Might Groundwork Contractors Use Finance?

Business loans can support your company when:

  • Taking on multiple concurrent sites

  • Upgrading ageing plant to reduce downtime

  • Managing retention payment delays

  • Covering short-term labour surges

  • Bridging VAT liabilities

  • Entering larger commercial or infrastructure contracts

Finance is most effective when aligned with clear contract visibility and sustainable repayment planning.

Who Is Eligible for Groundwork Contractor Finance?

You may qualify if:

  • Your business is UK-registered

  • You’ve been trading for at least 12 months

  • Monthly turnover averages £10,000 or more

  • Your financials demonstrate affordability

Even where income fluctuates due to staged billing or seasonal workloads, alternative lenders may still consider your application.

Secure Funding Without Delaying Your Next Project

If you need to stabilise cashflow, invest in plant or mobilise for a new contract, we’re ready to help. Check eligibility online in seconds, apply in minutes and receive a fast decision.

With unsecured funding and no early settlement fees, you can move forward confidently — without risking assets or slowing project momentum.

Step 1

Check if you’re eligible in 20 Seconds

Step 1
Step 2

Apply online in 2 mins

Step 2
Step 3

Get your decision

Step 3
Step 4

Funds paid into your bank within 24 hours

Step 4

What our clients say

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“Jacob and Century have been brilliant for a number of years. Jacob has always listened to the company needs and ensured we were only matched with products that suited. I really highly recommend both the company, and, Jacob!”
Jonathon Ison
“The customer care was top-notch. I dealt with Jake Brown who was always on top of our needs. The service was very precise and all the formalities were sorted within a few days. Thumbs up all the way. Would definitely recommend Century Business Finance.”
Wale Towolawi
“No government initiative or loan has helped our business as much as Jake Brown. The service has been first class. Recovery from covid has been slow and challenging but it would have been impossible without Jake himself. He has literally saved the business! Communication has been crystal clear with finance approved and arranged on the same day. An outstanding service from a company I intend to use again and again. Thank you”
Owl Education Ltd
“Tom Hall has been fantastic. Within a week of exploring our options, the money was in the bank and the business kicked off. Highly recommend..”
Mark Gill
“Tom Hall has been very helpful and dealt with my queries and informed me of everything i need to do . Tom has managed to secured me the loan from century finance and i would definitely recommend them to every businesses.”
Davis Sanassy
“Joe Taplin has been so helpful from start to finish. Got regular updates about the application and did all he can to get funds available within days. Handled every task very professionally.”
Upul Ekanayake
“Tom has been very helpful in supporting our business needs. Only area for improvement is the level of detail in their quotations to enable a better market comparison.”
Alan Gates
“Joe was so helpful from start to finish of our communication. Kept me updated every step of the way & kept it very easy. Definitely recommend.”
Nat
“First rate service by my account manager Jake Brown, first time using Century Finance and I would use Jake again and recommend him to anyone looking for finance.”
John Bailey
“Exceptionally professional and quick service I would highly recommend to all my business colleagues. Many thanks especially to John Harrison who has been such a fantastic help throughout.”
Mike Finnigan
“I had the pleasure of dealing with Kane Murfitt and honestly cannot fault him. He stayed in regular contact throughout the process, guided me through the application and kept me fully updated. Very Happy!”
Marlon Carrington
“Great support from start to completion under the guidance of Jacob Bryant.Totally recommend for any business finance..”
Justin Jones
“I was very impressed at the speed, detail and affordability of business loans found by Century Business Finace. Jake was incredibly knowledgeable giving varied scenarios of how to ustilise their services - I've already made recommendations to my colleauges - thank you!”
Finance Department
“A fantastic service from the team at Century Business Finance from start to finish. It's my first time dealing with them and the service from both Max and Ben as been absolutely first class. I highly recommend Century Business Finance and will be using them again in the future when the need arises.”
Ryan White
“Excellent all round, I no longer waste my time trying others - Top work from my acc manager Joe Taplin”
Dan Currey
“A 5 star service. Very impressed with the account manager and will 100% recommend his services”
Vincent Torku
“As a small business at times its hard to get small amount for cashflow but dealing with Jacob Bourne has made the small business grow. What a professional Jacob is and it was so efficient that i will not hesitate to recommend CBF to any small to medium business.”
Alliance Speciality Care
“The customer service from John was great, very friendly and efficient. Would definitely recommend”
Katie
“We used Century to assist in funding our expansion, and could not be happier with how they helped. Jacob was prompt, professional and efficient.”
Martyn Solari
“A 5 star service. Very impressed with the account manager and will 100% recommend his services”
Vincent Torku

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