Finance for Construction Businesses Across Melbourne and Victoria
Civil contractors, builders, plumbers, electricians, scaffolders. Plant, trucks, trailers, owner-occupied yards, project working capital — structured through one experienced commercial broker.
Subject to lender assessment and approval. ACL 384704.
Construction — Quick Guide
- Plant & machinery — excavators, loaders, tippers — specialist asset panel
- Trucks & trailers — tippers, agitators, low-loaders
- Yards & workshops — owner-occupied commercial property loan
- Project finance — working capital for materials and progress claims
- Subbie chains — invoice finance to smooth payment timing
- Single broker — one relationship, multiple specialist lenders
How We Help Construction Businesses
Cradle-to-grave commercial finance for project-based businesses.
Civil Plant & Machinery
Excavators, loaders, tippers, dozers, graders.
- Specialist construction asset lenders
- Used assets routinely accepted
- Combine with truck and trailer deals
Trucks & Trailers
Tipper trucks, agitators, low-loaders, prime movers.
- Transport-experienced lenders
- Combo deals supported
- Owner-driver and fleet structures
Yards, Workshops, Sheds
Buy the property your construction business operates from.
- Owner-occupied commercial property loan
- Industrial / yard zoning supported
- Use existing equity as deposit
Project Working Capital
Bridge progress payments, fund materials and labour upfront.
- Working capital facilities
- Invoice finance for subbie chains
- Pairs with asset finance for big jobs
Common Construction Scenarios
- Civil contractor adding a tipper + tag trailer + excavator package
- Builder buying the yard and shed they currently rent
- Concreters bridging progress claims via invoice finance
- Mid-size builder needing working capital for material runs
- Plumbing or electrical business stepping up from utes to a small fleet
- Demolition / earthmoving operator structuring a multi-asset facility
Frequently Asked Questions
My construction business has lumpy cash flow — can I still get finance?
Yes. Lumpy project cash flow is the norm in construction and specialist commercial lenders are used to it. We use a mix of asset finance (predictable, asset-secured) and working-capital or invoice finance (cash-flow flexible) to smooth things out.
Can I finance an excavator, tipper and trailer in one package?
You can — but in practice we usually structure separate facilities per asset so you can swap items later without disturbing the whole deal. Lenders are happy to write multiple deals quickly when packaged together.
When does it make sense to buy the yard instead of leasing?
Once your operations are stable in a location and rent is climbing meaningfully, buying via an owner-occupied commercial property loan often beats leasing on a 5–10 year horizon. We model the maths against your business cash flow.
Pillar pages for Construction
Running a construction business?
Speak with Jorden about structuring plant, trucks, property and working capital through one commercial broker.