Finance for Tradies

Funding for tradies who are busy on-site, not buried in admin.

From vehicles and machinery to working capital and growth funding, we help trade businesses structure finance around real job cycles, payment timing and operational pressure points.

Explore tradie options
What we can help with

Funding built around the way trade businesses actually operate

The right structure depends on project timing, customer payments, supplier costs and how quickly the business is scaling.

  • Utes, vans, trailers and trade vehicles
  • Excavators, yellow goods and jobsite equipment
  • Working capital for wages, materials and subcontractors
  • Invoice finance for slower-paying commercial customers
  • Trade finance for stock and supplier purchases
  • Business growth funding for larger contracts
  • Business refinance where existing debt no longer fits
  • Commercial property finance for trade premises
Common scenarios

Where finance can remove pressure and support growth

Tradie businesses often carry costs before they receive project income. A practical funding structure helps keep jobs moving and teams productive.

We assess the wider business, not just one transaction in isolation.

A plumbing business wins larger jobs and needs more staff and vehicles before progress payments catch up
An electrical contractor needs equipment funding while preserving cash for payroll and materials
A carpentry business has strong pipeline but cash is tied up in unpaid invoices
A landscaping team wants to add machinery capacity before peak season
A trade business wants to buy or refinance workshop premises
A growing contractor needs clearer structure across multiple existing facilities
How lenders assess tradie finance

They look at cash flow, conduct and commercial purpose

Different products focus on different factors, from asset quality to debtor profile or repayment capacity.

The strongest outcomes usually come from matching the application to lenders that suit the scenario.

Time in trade and business experience
ABN trading history and turnover
Business cash flow and account conduct
Purpose of funding and contract pipeline
Existing debts and repayment position
Credit history of business and directors
Asset quality for equipment applications
Debtor quality for invoice finance scenarios
Available security where relevant
Overall application strength and sustainability
Frequently asked questions

Tradie finance questions

Potentially. Some lenders may consider newer ABN applicants where trade experience, cash flow evidence and the broader application are strong.

Common needs include equipment finance, working capital, invoice finance, growth funding and refinance of existing facilities.

Potentially, yes. Eligibility depends on asset type, age, condition, seller details and lender policy.

Invoice finance or working capital structures may be relevant where payment timing creates pressure on wages and suppliers.

Yes. In many cases, reviewing the full structure can improve clarity and reduce friction across repayments.
Need a structure that fits the way your trade business runs?

Talk through your next move

We will help map practical funding pathways for equipment, cash flow and growth.