Construction finance broker

Are you in need of construction finance but the banks just aren't interested? The specialist construction finance brokers at Ringrose can help...

Construction finance specialists

Our construction finance solutions offer you fast access to the working capital you need, either via traditional loan or as a credit advanced against your uncertified applications for payment or invoices.

  • Refurbishments, refits, property development and building construction
  • Buying new equipment/assets, from a crane or a digger to a van or car


We know about retentions, JCT contracts and the time it takes to get paid by Councils or the Government. How? Because our Managing Director, Mark Smillie, grew up in a construction family before taking on his own projects.


Because of our experience we always understand the problems that exist for those seeking finance in the construction sector; and we are on a mission to solve them.


And it’s our experience and understanding that means specialist construction finance lenders like working with us. Take advantage of our strong relationships in your quest for finance. 

The best construction finance deals

Psst, did you know this... You can get a cheaper rate with a finance broker than if you apply direct? That’s right. Contrary to popular belief, a good finance broker won’t cost you anything, because they are paid by the lender to take the applications they want to give the best deals to, direct to them. Remember, sometimes a cheaper direct deal can cost you more in time and money in the long term. Take advantage of a broker's knowledge and relationships to save yourself hassle over time.

What you get with Ringrose

Our acceptance rate is 84%! Here are the steps we follow to get you that 'yes' to the finance you need at a great rate, from a lender who is right for you

Our process takes 5-10 days; from understanding you, choosing the right type of finance and lender for you, preparing your application, submitting and receiving funds.

  • A broker who understands the construction sector
  • The cash you need in 5-10 days
  • Access to the best construction finance lenders
  • Loans without proof of income
  • Trade finance and asset finance, anything from a crane to a car.

Ready to chat about construction finance? 

Testimonials from construction firms like yours:

“I can’t fault the support I received from Mark Smillie. He is well connected and came up trumps with the finance company he linked us with. All very pragmatic, good to their word and we quickly received our funds – an excellent service. What a fresh new approach to financing when banks are so risk-averse. I highly recommend Mark who is very personable and makes everything very easy.”

Silas Wilde
Harlestone Group

“It’s great to work with a broker that has a construction sector specialism. Mark at Ringrose Business Finance is very knowledgeable, competent and personable. He talks a lot of sense.”

Paul Mathison
Create Construction Ltd

“I always measure by results and my experience with Mark at Ringrose Business Finance was 100% effective – I got exactly what I needed. As well as a great finance facility, Mark saved me so much time. The day after I spoke to him I was talking to the right specialist. I will definitely be in touch with Mark again as our growth plans continue. I highly recommend him.”

Patrick Murphy
Managing Director-Prospect Fire

“UK Acoustic Systems Ltd are recognised as one of the leading providers of soundproofing and sound absorption solutions for the commercial, leisure, educational and residential sectors

I have used Mark Smillie for business finance for the last 6 years, he surrounds himself with a contact list of “Can Do People”, apart from business finance I have found Mark a very good sounding board for various business matters. He is also a pleasure to deal with, I cannot recommend Mark highly enough.”

Mark Wilkins
UK Acoustics Systems Ltd

“I was very impressed with the excellent service from Mark at Ringrose Business Finance. He looks outside the box and really listens to what funding requirements you have – he isn’t just selling what he wants to sell you. Using a broker with specialist finance knowledge in the construction and manufacturing sector is definitely the way forward. Far better than the banks and other one dimensional finance companies. We will absolutely go back to Mark again.”

Terry Brant
Director-Joinery Classics Limited

“We chose to use Mark at Ringrose Business Finance because it seemed he would make the best introductions to lenders to suit our particular situation. He did not disappoint. His recommendations proved to be excellent. We are very happy with his quick, easy and efficient service. We’ll certainly go back to Mark when we need finance to buy more equipment.”

John Ducker
Founder & MD-Ducker & Young Scaffolding Ltd

“I decided to approach Mark because I liked the fact he provided a mobile number and gave excellent clear explanations about finance options. A highlight of my experience is being able to speak to him directly and quickly. As well as the fact he ensures we get the best rates from his selected top brokers for various industries. Like most business owners I get approached by so many brokers. It’s hard to know who to use, but I can now highly recommend Mark to any company.”

Rob Shaw
Managing Director-Shaw Stone Ltd

“I have already recommended Mark to a contact of mine after my very positive experience of his business finance services. Mark was very helpful, quick to respond and thorough. Having successfully gained CBILS funds, I will definitely work with him again in the future to utilise his property and construction finance expertise.”

Dan Glover
Director-Acute Civil Engineering