Best Business Loans for Construction / Guides / Construction business loans with bad credit
Guide · reviewed 11 November 2026
Construction business loans with bad credit
Answer in brief
Construction firms with poor credit can often still get asset finance, because the machine secures it, or invoice finance, because it's based on your clients' ability to pay. Unsecured loans are harder. Expect higher costs and be upfront about your history.
What helps
- Strong clients and a full order book
- Clear explanation of any past problems
- A deposit for asset finance
- Steady recent bank statements
If your bank said no
See Turned Down by the Bank for what to do next.
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