Finance for bricklayers: business loans, vans & working capital

Bricklaying contractors can access unsecured business loans for working capital, materials purchasing, or tendering on larger contracts; asset finance (hire purchase or finance lease) for vans, scaffold equipment, and mixers; and invoice finance to advance cash against unpaid invoices from main contractors or developers. Sorbus Finance can consider these options through its extensive panel of 150+ lenders.

Yes. Sole traders are eligible for both business loans and asset finance, though lenders will assess affordability using self-assessment tax returns and at least 12 months of trading history. We work with lenders who regularly fund sole trader bricklayers and will match you to the most appropriate option for your trading structure and income level.

Yes. An unsecured business loan or revolving credit facility is a common solution for bricklaying contractors who need to fund materials and labour costs upfront before their first stage payment arrives from the main contractor or developer. We can arrange working capital loans from £5,000 to £5,000,000 with decisions typically available within 2–5 working days.

If you issue invoices to main contractors or property developers, invoice finance lets you advance up to 90% of the invoice value within 24 hours rather than waiting 30, 60, or 90 days for payment. This is particularly valuable for bricklaying subcontractors where payment terms are extended and the gap between completing work and receiving payment can run into months.

Yes. Concrete mixers, cement batching equipment, vans, crew transporters, and scaffold equipment are all fundable through asset finance. Smaller items from around £5,000 can be bundled into a single facility. Hire purchase gives you ownership at the end of term, which is useful for equipment you intend to use for many years.

Lenders typically assess: how long the business has been trading (most want 12 months minimum, though some will consider less), annual turnover and profit from accounts or self-assessment, credit history of the business and directors, and the purpose of the finance. We prepare your application to present your business in the strongest possible light and only approach lenders who are likely to approve your specific profile.

Yes, though options are more limited and rates will be higher. Some specialist lenders on our panel will consider applications from businesses or directors with CCJs, defaults, or missed payments, depending on the circumstances and the nature of the adverse credit. We will give you an honest assessment of what is achievable before making any application.