Finance for Tradies — Vehicles, Tools, Workshops and Yards
Builders, plumbers, electricians, sparkies, civil and ag operators. Whether it’s a new ute and tools, the next truck, or buying the workshop you currently rent, Freedom Financing structures it through one experienced commercial broker.
Subject to lender assessment and approval. ACL 384704.
Tradies — Quick Guide
- Ute & tools — chattel mortgage, fast settlement
- Bigger gear — truck, trailer, machinery on specialist asset lenders
- Workshop / yard — owner-occupied commercial property loan
- New ABN — specialist lenders accept 12 months trading
- Cash flow — working capital and invoice finance available
- Single broker — one point of contact across all facilities
How We Help Tradies
From the first work ute to buying your own base.
Vehicles & Trailers
Utes, trucks, vans and work trailers on the right structure.
- Chattel mortgage with GST claim upfront
- Specialist asset lenders for newer ABNs
- Combo deals (ute + canopy + trailer) bundled
Tools, Plant & Machinery
Generators, compressors, plant, workshop tooling.
- Equipment finance secured against the asset
- Spreads cost over useful life
- Smaller items via unsecured business loan
Buy Your Workshop
Move from rent to owner-occupied commercial property.
- Owner-occupied commercial loan to 75%+ LVR
- Use existing equity as deposit
- Predictable monthly cost vs rising rent
Cash Flow Tools
Working capital and invoice finance for project businesses.
- Bridges progress payment gaps
- Funds materials and labour upfront
- Pairs with asset finance for big projects
Common Tradie Scenarios
- New ABN buying first ute + tools
- Established trades business adding a second or third ute
- Stepping up from a ute to a small truck and trailer
- Civil contractor adding tipper, excavator and plant
- Trades business buying the workshop and yard they currently rent
- Cash-tight project — invoice finance to bridge progress claims
Frequently Asked Questions
I’m a sole trader with a new ABN — can I get finance?
Yes. Specialist lenders work with new ABNs (12 months and sometimes less) all the time, especially for tradies with industry experience and a clean credit profile. You may need a small deposit or pay slightly more, but the deal still gets done.
Can I finance everything — ute, canopy, tools, signage — in one go?
Tangible assets (ute, canopy, tray, drawers, signage) usually go on a single chattel mortgage. Soft costs (labour, design) sit on an unsecured business loan. Running two facilities together gives the cleanest structure and best pricing.
When should a tradie buy their workshop instead of renting?
Once you’re paying rent on a yard or workshop you’ve grown into, the maths often points toward buying. We model owner-occupied commercial property loans against your business cash flow and existing equity, so you can see the real number before deciding.
Tradie thinking about your next finance move?
Speak with Jorden — Freedom Financing covers vehicle, tools, machinery, workshop property and cash flow under one broker.