Industry finance
Business finance for trades and construction
Trades and construction get paid in stages, often well after the work and the materials are bought. Most of the finance that suits them is about carrying that gap and equipping the crew to take the next job.
An enquiry is a conversation, not an application. We won't submit anything to a lender without your say-so.
You buy the materials, you do the work, you invoice, and then you wait for the progress claim to clear. On a bigger job that gap gets bigger, which is the awkward truth of growing a trade business: the more work you win, the more cash you have to front before you are paid.
We are a broker, not a lender. We take one picture of your business to the lenders whose appetite fits trades and construction, and compare what they return, including where a cheaper structure would do the same job.
Common funding needs
Where the finance usually goes
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Tools, plant and equipment
Financed over the years the gear earns, rather than paid for in one hit.
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Utes, trucks and trailers
Vehicle finance for the fleet that gets the crew and the gear to site.
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Materials before you are paid
Fronting the cost of a job weeks before the progress claim clears.
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Bridging progress payments
Turning unpaid invoices or claims into working capital so a slow payer does not stall the next job.
Which finance fits
Options worth comparing
FAQs
Trades & construction finance questions, answered straight
How do tradies fund the gap before a progress payment?
Two common ways: a working-capital facility such as an unsecured loan or line of credit, or invoice finance, which advances a portion of an unpaid invoice or progress claim so you are not waiting on a slow payer to fund the next job. Which fits depends on how you invoice and how consistent your payers are. We compare both across the panel.
Can I finance tools and a ute at the same time?
They are usually two facilities: equipment finance for the tools and plant, and vehicle finance for the ute or truck, each secured against the asset it funds. Sometimes a single working-capital facility is simpler for smaller items. We are a broker, not a lender: we structure the approach and compare what the panel offers, and the terms are set by the lender.
Find out what your business actually supports.
One conversation tells you what the panel would do with your file, what it would cost, and which structure fits your cash flow. You decide whether any of it is worth taking.
An enquiry is a conversation, not an application. We won't submit anything to a lender without your say-so.