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Retail & wholesale

Builders' Merchants finance

Whether you are investing in equipment, managing cash flow or planning your next stage of growth, Tera helps builders' merchants businesses understand funding options and prepare a stronger application.

What is builders' merchants finance?

Retail and wholesale businesses often need stock, fit-out and delivery capacity. Commercial finance can fund seasonal inventory and expansion — Tera helps you prepare applications with broker guidance.

Business loans

Explore business loans options that may suit your business requirements.

Asset finance

Explore asset finance options that may suit your business requirements.

Invoice finance

Explore invoice finance options that may suit your business requirements.

Who needs builders' merchants finance?

  • Established builders' merchants operating in the UK : Businesses investing in equipment, vehicles or premises
  • Businesses with a clear funding purpose and supporting information : Owners managing cash flow between customer payments
  • Owners seeking specialist guidance through the brokerage process : Operators planning growth or replacing ageing assets

Why Tera?

One guided application

Start with one structured assessment for builders' merchants rather than repeating the same details across multiple enquiries.

Human specialist support

A commercial finance specialist reviews your requirement, explains suitable routes and manages introductions to lenders from our panel.

Multiple finance routes

Explore business loans, asset finance, invoice finance and other structures based on what your business needs — not a single product push.

Broker clarity

Tera Business Finance LTD is a credit broker, not a lender. We explain options honestly and there is no obligation to proceed.

Tera Business Finance LTD is a credit broker, not a lender, and an Appointed Representative of [Moorgate legal entity]. Finance is subject to status and lender terms.

Builders' Merchants finance FAQs

Common questions about commercial finance for this sector. Figures are indicative only and not offers.

Ready to explore your options?

Start Tera's short assessment for builders' merchants — a specialist will review your requirement and discuss suitable routes.

Get a quote now

Guides and insights

Useful reading for builders' merchants businesses

Practical guides and product explainers relevant to builders' merchants — from application preparation to common funding routes.

View all guides and insights

Business insurance

Protect your builders' merchants business

Explore cover that may be relevant for your people, premises, equipment and operational risks.

Explore business insurance