Understands project cash flow
We help you articulate contract stages, retention and payment terms so lenders see the full picture.
Construction & trades
General builder finance
Builders juggle materials, labour and plant costs long before final payment. Tera helps general building firms prepare stronger applications for asset finance, business loans and vehicle funding.
What is general builders finance?
Construction and trade businesses often need funding for plant, vehicles, materials and contract mobilisation. Commercial finance can spread major costs and support cash flow between stage payments — Tera helps you prepare a clearer application as a broker, not a lender.
Useful calculators
Free tools to model costs and borrowing before you apply — illustrative only, not quotes.
Who needs general builders finance?
- Residential and commercial general builders : Businesses investing in equipment, vehicles or premises
- Design and build contractors : Owners managing cash flow between customer payments
- Refurbishment and extension specialists : Operators planning growth or replacing ageing assets
- Established firms with a pipeline of work : Businesses seeking specialist broker guidance through the process
Why Tera?
Plant and vehicle options
Spread the cost of kit that keeps sites moving without draining working capital on every job.
Specialist broker, not a lender
Tera introduces suitable cases to finance providers — we do not lend directly and there is no obligation to proceed.
Broker clarity
Tera Business Finance LTD arranges finance from a panel of lenders. We are not a lender. We explain options honestly and there is no obligation to proceed.
Tera Business Finance LTD arranges finance from a panel of lenders. We are not a lender. Finance is subject to status and lender terms.
General Builders 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 general builders — a specialist will review your requirement and discuss suitable routes.
Guides and insights
Useful reading for general builders businesses
Practical guides and product explainers relevant to general builders — from application preparation to common funding routes.
Guides
Construction finance for builders and trades: A practical UK guide for general builders
From materials and equipment to vehicles, payroll and contract cash flow, explore the finance options available to UK builders and construction businesses.
29 July 2026 · 12 min read
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Cash flow
The construction cash-flow trap: Why more work can leave builders short of cash for general builders
More work does not always mean more available cash. See how materials, labour, staged payments and retentions can put growing construction businesses under pressure.
6 August 2026 · 12 min read
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Guides
What Is VAT Finance? How VAT Loans Work for UK Businesses for general builders
A practical guide to VAT finance, including how VAT loans work, possible alternatives, application information and the questions to ask before borrowing.
11 September 2026 · 14 min read
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