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Fast funding for builders, tradies and subbies. See if you qualify in 60 seconds. Enquiring won't affect your credit score.
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Builders · Tradies · Subbies
Fast finance for builders and tradies
Construction loans, fast second mortgages, bridging and cash flow loans from $20k to $5M. Property secured funding in as little as 24 hours. No property? We've got unsecured options too.
- Won't affect your credit score
- Bad credit considered
- No cost to enquire
What do you need the money for?
Pick one to start. It takes about 60 seconds.
Secure form. Enquiring won't affect your credit score.
- As little as 24 hrsProperty secured funding
- $20k to $5MLoan amounts
- Bad creditConsidered
- No property?Unsecured options
One stop shop
Finance for the whole build, and everyone on it
We're not just construction loans. We fund the builders, tradies and subbies doing the work: fast second mortgages, first mortgages, bridging, cash flow, tax debts, materials and gear.
Construction loans
Our construction loans fund small builds, from one to four dwellings through to sheds and small commercial units, with…
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Fast second mortgage
A fast second mortgage lets you borrow against the equity in property you already own without refinancing your existing…
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Business bridging loans
Business bridging loans are short term finance that covers the gap between needing money now and receiving it from a known…
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Cash flow loans
Cash flow loans for tradies are unsecured business loans for trade businesses that have traded for six months or more with…
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ATO tax debt loans
ATO debt loans for tradies pay out a tax or BAS debt in one hit, so the business can get back to work without the debt…
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Building materials finance
Building materials finance is a fast business loan used to pay for timber, steel, bricks, concrete, roofing and other…
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Fast first mortgage
A fast first mortgage is a short term loan that takes first position on a property you own outright or with only a small…
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Small subdivision finance
Small subdivision finance funds 2 to 4 lot projects, from council fees and civil works through to building the units,…
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Urgent construction finance
Urgent construction finance is fast, short term funding for builders and tradies facing a deadline, secured against property…
Read more Built for tradies
Finance for every trade
Chippies, sparkies, plumbers, brickies, concreters, roofers, landscapers, arborists and more. Pick your trade.
Air conditioning and HVAC installersArborists and tree removalBricklayersCabinet makers and joinersCarpentersCivil contractorsCladdersConcretersDemolition contractorsEarthmoving and excavationElectriciansFencing contractorsFlooring installersFormworkersGlaziers and window installersHandymen and maintenance businessesInsulation installersKitchen and bathroom renovatorsLandscapersPaintersPlasterersPlumbersPool buildersRenderersRoof plumbersRoofersScaffoldersSmall buildersSolar installersSteel fabricators and weldersTilersWaterproofers
Small builds
Homes and small projects, not skyscrapers
We fund the builds that keep Australia's suburbs growing. If it's a house or two, a duplex, a row of townhouses, a small 2 to 4 lot subdivision with units, or a small office, shed or warehouse, we want to hear from you.
- Knockdown rebuilds, duplexes and townhouses
- Small subdivisions and unit sites
- Small office, factory unit and warehouse builds
- Finishing a build that's run over budget
- Settling on land fast before someone else does
Property or no property, we've got options
The fastest and biggest loans are secured against real estate you already own. No real estate? If you've been trading six months or more, we can still help.
Secured against property
- $20k to $5M against your home, investment or commercial property, or land
- Funds in as little as 24 hours
- No financials or tax returns needed
- Bad credit, ATO debts and defaults considered
- Terms typically 1 to 12 months
Unsecured cash flow loans
- No property needed
- Trading 6 months or more with an ABN
- Based on your business bank statements
- Sized to your turnover
- Some approved and funded within hours
Simple
How it works
Tell us what you need
One short online form. What it's for, how much, and whether you own property. About 60 seconds.
Talk to a specialist
A lending specialist calls you back, works out the best structure and tells you straight what's possible.
Get funded
Sign, settle and get back on the tools. Property secured loans can fund in as little as 24 hours.
Guides for builders and tradies
Guide How fast can a tradie get a business loan?
A tradie trading for 6 months or more can sometimes have an unsecured cash flow loan approved and funded within hours, while…
Read more Guide How to pay an ATO debt fast: a practical guide for tradies
The fastest ways for a tradie to deal with an ATO debt are to pay it in full from cash, set up an ATO payment plan (online…
Read more Guide How to fund a 4 lot subdivision as a small builder
Small builders usually fund a four lot subdivision in stages, using a mix of their own cash, equity in property they already…
Read moreFrequently asked questions
What is construction finance?
Construction finance is money to build, finish or keep a building business running. We fund small builds like houses, duplexes, townhouses, 2 to 4 lot subdivisions and small commercial buildings, plus the tradies and subbies doing the work.
How fast can I get the money?
Loans secured against property you already own can be funded in as little as 24 hours once valuation and documents are in. Some unsecured cash flow loans are approved and funded within hours.
How much can I borrow?
From $20,000 to $5 million. Property secured loans depend on the equity you have. Unsecured cash flow loans are sized to your business turnover.
Do I need to own property?
No. Property security gets you the biggest amounts and fastest settlement, but if you've been trading for six months or more with an ABN, unsecured cash flow loans are available based on your business bank statements.
Can I get finance with bad credit or an ATO debt?
Often, yes. For property secured loans the equity matters more than your credit score, and paying out an ATO debt is one of the most common reasons tradies come to us.
What are your interest rates?
Every loan is priced on your circumstances: the security, the amount, the term and how you'll repay it. We find the sharpest rate available for your situation and show you the full cost before you sign.
Will enquiring affect my credit score?
No. Filling in the form and talking to a lending specialist doesn't affect your credit score, and it costs nothing to enquire.
Money for the job, fast
One short form. A lending specialist calls you back. Enquiring won't affect your credit score.