Business loans
Business Loans for Tradies and Trade Businesses
Working capital, secured loans, startup money and everything in between, explained for people who run crews and quote jobs.
A tradie business loan is money for the costs of running or growing a trade business: materials ahead of a progress payment, wages before invoices land, tools, a second crew, a buy-in, a slow season. There isn't one loan that fits everybody, and the right one depends on what the money is for, how fast you need it, how long the ABN has traded and whether there's property or an asset to offer.
This hub covers the main options one by one. Unsecured and cash-flow facilities are sized on turnover and bank statements, typically between $5,000 and $500,000. Property-secured loans, which can be first mortgages, second mortgages or caveat loans on residential or commercial property, run from $20,000 up to $5,000,000 and can be a lot faster when time matters.
Use the Loan Readiness Checklist in the Toolbox to see what a lender will want, then start a 60-second enquiry. There's no credit check when you first enquire, a real person reads it, and your details aren't sent to a pile of lenders.
The main business loan options
The pages most tradies start with.
Tradie business loans
Tradie business loans explained: what they fund, how lenders assess a trade business, and how to choose a size and term that suits how you earn.
Read more →ABN loans for tradies
ABN loans for tradies explained: what an ABN-based lender looks at, how long you need to trade, documents, and how sole traders can borrow without property.
Read more →Tradie startup loan
A tradie startup loan helps new business owners fund tools, a vehicle, insurance and the first quiet months. See what lenders look for and how to prepare.
Read more →Unsecured cash flow loans
Unsecured cash flow loans for tradies explained: how they are sized on turnover and bank statements, what they suit, and how to prepare an application.
Read more →Instant asset write-off finance
How tradies fund an asset that qualifies for the instant asset write-off: the $20,000 limit, timing the claim, GST, and why the deduction is not the cash.
Read more →Finance for tradesmen
Finance for tradesmen in Australia: what a trade business can fund, how lenders see trade income, and how to match a product to your crew and cash cycle.
Read more →Tradie finance, bad credit
A short guide to tradie finance with bad credit: what lenders weigh, how to present your file, and where to find the full bad credit hub.
Read more →Secured finance and growth
Property-secured loans, wages, materials, second crews, buying a business and seasonal gaps.
Business loans overview
A plain guide to business loans for Australian tradies: unsecured, property-secured, startup, wages and materials funding, with how to pick the right one.
Read more →Secured business loans
Secured business loans for tradies from $20k to $5m: first mortgage, second mortgage and caveat loans explained plainly, with an illustrative example.
Read more →Wages finance
Wages finance for tradies explained: paying crew and super while invoices sit unpaid, how Payday Super changes timing, and funding options that fit.
Read more →Materials finance
Materials finance for tradies explained: funding timber, pipe, cable or stock before the customer pays, handling price swings, and options that fit the job.
Read more →Second crew funding
Adding a second crew means vehicle, tools, wages and weeks without payment. See what it costs, how to fund it, and when growth finance makes sense.
Read more →Buying a trade business
Buying a trade business as a tradie: what you are really buying, due diligence, licences and staff, and how finance can fund the purchase.
Read more →Seasonal swings
Seasonal business loans for tradies: plan for slow months, summer shutdowns and peak seasons, and match repayments to when your income arrives.
Read more →Toolbox picks for this topic
No credit check to enquire
Ask what's possible without leaving a mark on your credit file. A credit check only comes up once you've decided to go ahead.
No spray and pray
Your details don't get blasted around a pile of lenders. One real person looks at your situation and matches it properly.
A real person on your job
Someone who reads enquiries for a living calls you back. Fill the form in accurately and we'll point you the right way first time.
Short on time? Enquire right here
About 60 seconds. No credit check when you first enquire, and a real person calls you back.
Ready to see what your trade business could get?
One short enquiry. No credit check when you first enquire, a real person reading it, and your details staying with us rather than going out to a pile of lenders.
No credit check to enquire
No spray and pray
A real person on your job