Construction & Tradie Specialists • Credit Assistance

Construction Business Loans — Finance for Builders & Tradies

From excavators to working capital, we match you with lenders who understand progress claim cycles, asset-backed lending, and the realities of running a construction business.

$5M+

Loan Amounts

24hrs

Fast Approvals

100%

Equipment Finance

Start Your Free Assessment → See Finance Options

🔒 No credit score impact • No cost to you • ASIC Credit Rep #574070

Can You Qualify? Quick Assessment

Key requirements for construction business finance

Requirement	Minimum	Ideal
ABN Active	6 months	2+ years
Annual Revenue	$75,000	$500K+
Credit Score	500+	650+
GST Registered	Preferred	Required for chattel mortgage
ATO Debt	Payment plan	Clear

Don't meet all criteria? Options still exist. Asset finance is often available for newer businesses. Start your assessment — we'll find lenders that fit.

Which Finance Product Fits Your Need?

Compare construction finance options at a glance

Product	Loan Size	Speed	Security	Best For
🚜 Equipment Finance	$20K – $2M+	24-48 hrs	Asset itself	Excavators, loaders, cranes, tools
🚛 Vehicle Finance	$15K – $500K	Same day	Vehicle	Utes, trucks, trailers, fleet
💵 Working Capital	$20K – $1M	24-48 hrs	Unsecured/light	Payroll, materials, subcontractors
📄 Invoice Finance	$50K – $5M+	24 hrs	Invoices	Unlocking cash from slow payers
🏗️ Project Finance	$100K – $5M+	2-4 weeks	Contract + assets	Large contracts, retention funding
🔄 Line of Credit	$50K – $2M	1-2 weeks	Property/assets	Ongoing flexible access

Construction Finance Options

Tailored solutions for builders, contractors and tradies

🚜

Equipment & Machinery

Finance excavators, loaders, cranes, scaffolding and power tools.

100% finance available

✓ $20K – $2M+ per asset
✓ Up to 100% finance (no deposit)
✓ Chattel mortgage or lease options
✓ Terms 2-7 years

Tax Benefits: Chattel mortgage lets you claim GST upfront + depreciation

🚛

Utes, Trucks & Fleet

Finance work vehicles from a single ute to a full fleet.

Same-day approvals

✓ New and used vehicles (up to 15 years)
✓ Fleet financing available
✓ Balloon/residual payments
✓ Same-day approvals available

Popular: HiLux, Ranger, Triton, tippers, truck & dog combos

💵

Working Capital

Bridge the gap between progress claims and expenses.

24-48 hr approval

✓ $20K – $1M
✓ Approval in 24-48 hours
✓ Unsecured options to $500K
✓ Secured options for larger amounts

Uses: Payroll, materials, subcontractors, bond funding

📄

Invoice Finance

Turn outstanding invoices into immediate cash.

Scales with revenue

✓ Up to 85% of invoice value in 24 hrs
✓ Remaining 15% when debtor pays
✓ Disclosed or confidential options
✓ Scales with your revenue

Best for: Slow-paying builders, developers, government contracts

🏗️

Project Finance

Funding tied to specific construction contracts.

For large contracts

✓ Finance secured against contract value
✓ Progress-based drawdowns
✓ Retention funding (5-10% held back)
✓ Bank guarantee facilities

Covers: Mobilisation, materials, labour, retention release

🔄

Business Line of Credit

Revolving facility — draw, repay, redraw as needed.

Flexible access

✓ $50K – $2M limits
✓ Only pay interest on drawn amount
✓ Redraw as often as needed
✓ Secured against property or equipment

Best for: Established builders with fluctuating project pipelines

Finance Structures Explained

Understanding chattel mortgage vs lease options

Feature	Chattel Mortgage	Finance Lease	Operating Lease
Ownership	You own from day 1	Lender owns, you have option	Lender owns throughout
GST	Claim 100% upfront	Claim on each payment	Claim on each payment
Depreciation	You claim	Typically cannot claim*	Cannot claim
Balance Sheet	Asset + liability shown	Asset + liability shown	Off balance sheet
Best For	Tax efficiency, long-term	Lower payments, upgrading	Short-term, uncertain need

*Consult your accountant for specific tax advice. Recommendation: Chattel mortgage for equipment you'll keep 3+ years.

Construction-Experienced Lender Network

We compare lenders who understand the construction industry

🏦 Major Banks

Commonwealth Bank NAB Westpac ANZ

Best for: Lowest rates, established businesses with strong financials, large facilities

🏦 Equipment & Asset Specialists

Angle Finance Finance One Metro Finance Pepper Money Liberty Commercial

Best for: Fast approvals, flexible criteria, construction-specific experience

🏦 Working Capital & Cash Flow

Scottish Pacific Prospa Judo Bank Moula OnDeck

Best for: Invoice finance, unsecured working capital, fast turnaround

Lender availability and criteria may vary. Not all lenders suitable for all circumstances.

Real Examples: Construction Finance

See how we've helped builders and tradies

🚜 Equipment: Civil Contractor

Marcus needed a 20-tonne excavator for a council contract.

Asset: Kobelco SK210 Excavator
Purchase Price: $285,000 + GST
Trading History: 4 years
Annual Revenue: $1.2M

Result: Chattel mortgage, 100% finance, 5-year term at 7.4% fixed. GST claimed upfront ($28,500). Monthly: $5,680.

📄 Invoice Finance: Electrical Contractor

James had $360K tied up in receivables from a tier 2 builder.

Monthly Invoicing: ~$180K
Payment Terms: 60 days
Cash Gap: $360K in receivables
Annual Revenue: $2M

Result: Invoice finance facility. 80% advance within 24 hours. Fee: 2.1% of invoice value. No property security required.

All approvals subject to lender assessment

Results shown are indicative only. Individual circumstances, lender criteria, and market conditions will affect actual outcomes. We provide credit assistance to help you compare options.

Common Construction Finance Challenges

Problems we help solve

Challenge	Impact	Solution
Slow progress payments	30-60+ day waits drain cash	Invoice finance or working capital
Retention holdbacks	5-10% held for 12+ months	Retention funding products
Seasonal work	Income dips in wet season	Line of credit for flexibility
Upfront material costs	Cash out before cash in	Trade finance, short-term funding
Bank guarantee needs	Ties up capital	Bank guarantee facilities
ATO debt from GST timing	Limits lending options	Lenders who accept payment plans

Frequently Asked Questions

Common questions about construction business finance

What deposit do I need for equipment finance?

Often none. Many lenders offer 100% finance for equipment. Newer businesses or weaker credit may require 10-20% deposit.

Can I get finance with ATO debt?

Possibly. Some lenders accept applications with ATO payment plans in place. Significant debt (>$50K) limits options. Best to address tax debt before or during application.

How does chattel mortgage GST work?

You claim the full GST on the purchase price upfront (at your next BAS). The loan is for the GST-exclusive amount. You'll need to be GST registered.

Do subcontractors qualify for business loans?

Yes. Sole traders and subcontractors can access equipment finance, vehicle loans, and some working capital products. ABN time and income evidence assessed.

How fast can I get working capital?

Unsecured under $150K: Often 24-48 hours. Larger or secured facilities: 1-2 weeks typically.