Who it is for
This is for established trade operators who need funding to deliver work, smooth timing gaps or take on a practical opportunity.
- Builders, electricians, plumbers, carpenters and other trades
- Contractors waiting on progress claims or invoice payments
- Subcontractors needing materials or labour before a job pays
- Trade businesses replacing tools, equipment or vehicles
Common funding uses
Tradie funding often supports the gap between job costs going out and client payments coming in.
- Materials, deposits and supplier payments
- Labour, subcontractors and payroll
- Tools, machinery, vehicles or equipment repairs
- Bonding, insurance, licenses or job mobilisation costs
- Cash flow support while waiting for progress payments
What affects eligibility
Lenders usually look for evidence that current revenue and job flow can support the funding amount.
- Monthly turnover and payment consistency
- Contract pipeline, invoice timing and client concentration
- Business bank conduct, existing loans and repayment history
- ATO debt, defaults or recent account dishonours
- Whether job margins support the proposed repayments
What documents are needed
Many trade funding enquiries can start with bank statements, then be supported by job-specific evidence if needed.
- Recent business bank statements, usually the last 3 to 6 months
- ABN, entity and director details
- Requested amount and a clear funding purpose
- Basic turnover, trading history and contact details
- Invoices, purchase orders or contracts if relevant
- Equipment or vehicle quotes for asset-related requests
Check options
Get a practical view before you apply broadly.
Tell us the funding amount, turnover and purpose. A lending specialist will review what looks realistic and explain the next step if there is a lender fit.