£30 m+
secured
500 +
contractors funded
40 +
years' combined experience
60 +
lenders
Partnering with leading lenders
Contractor finance covers the range of funding available to scaffolding contractors, including materials, vehicles, tax bills and unpaid invoices, matched to whichever product fits your situation.
Finance for scaffolding contractors, not generic business finance
Most business finance is built for a generic customer: retail, hospitality, professional services. Scaffolding contractors don’t fit that mould. Materials get bought in bulk and replaced often, vehicles take a battering, and payments from main contractors can lag well behind the cost of getting a job started. Contractor finance is our answer to that: funding structured around scaffolding, not adapted from something else.
Whether you’re a sole trader taking on your first few contracts or an established firm with a fleet and a yard full of stock, we work across the finance types scaffolding contractors actually need.
Why specialist finance matters for scaffolding contractors
Generic business lenders don’t always understand how a scaffolding business actually runs. It’s what we work with every day, so it shapes how we structure finance:
- Materials are often bought in bulk ahead of a contract rather than spread evenly through the year, so cash needs spike and dip in a way generic lending doesn’t account for.
- Payments from main contractors and developers are frequently staged, and retentions can be held back until a job completes, putting pressure on cash flow that has nothing to do with how profitable the work is.
- Vehicles and equipment take a battering on site and often need replacing or repairing more often than in less physically demanding trades.
- Many scaffolding contractors operate under CIS, which affects how income and tax obligations land through the year.
We work with lenders on our panel who understand these patterns, rather than treating a scaffolding business like any other SME.
What contractor finance covers
- Materials and equipment: scaffold board finance and materials asset refinance
- Vehicles: dropside truck finance, used van finance and vehicle asset refinance
- Tax and cash flow: VAT loan and corporation tax loan
- Outstanding invoices: invoice factoring
How contractor finance works
Tell us what you're funding
Whether it's materials, a vehicle, a tax bill or unpaid invoices, tell us what you need.
We match you to the right product and lender
With 60+ lenders on our panel, we find the finance structure that fits.
Review your options
See a clear quote before you commit to anything.
Get funded
Once agreed, funds are released so your business can keep moving.
Who can get contractor finance?
We work with sole traders, partnerships and limited companies across the scaffolding industry, including CIS subcontractors and newly established businesses. If you’re unsure which type of finance fits your situation, our team can talk you through the options rather than pointing you at a single product.
- Sole traders, partnerships and limited companies considered
- CIS subcontractors welcome
- New and established scaffolding businesses may qualify
- No obligation to apply: advice is free
What you’ll need to get started
Because contractor finance covers several different products, what you need depends on what you’re funding, but a few things help whatever the product.
- Your business structure (sole trader, partnership or limited company)
- How long you’ve been trading
- What you’re looking to fund: materials, a vehicle, a tax bill or invoices
- Latest set of filed accounts and recent business bank statements
- Details of any contracts secured, if relevant
Waiting on unpaid invoices from a main contractor? See invoice factoring. Managing a VAT or corporation tax bill? See our VAT loan and corporation tax loan pages.
FAQs about contractor finance
Contractor finance is a general term for the range of funding options available to scaffolding contractors, covering materials, vehicles, working capital and tax bills. Rather than a single product, it’s a starting point for finding the right type of finance for your situation.
Yes. Sole traders and self-employed contractors are considered for most of the finance types we arrange, including vehicle and materials finance, alongside limited companies.
The main categories are materials and equipment finance, vehicle finance, asset refinance, VAT and corporation tax loans, and invoice factoring for outstanding invoices. See our full scaffolding finance overview for more detail.
No. Many scaffolding contractors operate as sole traders, and finance options are available on that basis. Lenders assess the individual application rather than requiring a specific business structure.
Being paid under the Construction Industry Scheme (CIS) doesn’t prevent you from accessing finance. Lenders are used to assessing scaffolding businesses that operate under CIS, and it forms a normal part of the application.