Cash flow finance
Cash Flow Loans for Tradies
The work is booked, the crew is flat out and the account is empty. These guides cover the gap between doing the job and getting paid.
Cash flow is what sinks good trade businesses. The work is there, the crew is flat out, and the account is still empty because a progress claim is sitting in somebody else's approval queue. This hub is built around that gap: what causes it, which trades feel it hardest and the finance structures that suit each one.
Start with your trade. A sparky chasing a commercial builder on 30-day terms has a different problem from a landscaper fronting plants and pavers for a residential client, or a concreter paying the pump and the truckie on the day of the pour. Each trade page explains how that trade really gets paid, what lenders look at and what to have ready before you ask.
If your trouble is more about the situation than the trade, use the second group: slow-paying builders, progress payment gaps, wet-weather stalls, subcontractor wages, supplier accounts, invoice finance and lines of credit. Run the Cash Flow Gap Planner in the Toolbox first and you will know the size of your gap before you ring anybody.
Start with your trade
Which trade are you?
Pick your trade, then pick your problem
Every trade gets paid differently, so every trade page is written differently: progress claims, retention, weekly pay, wet weather, licences and the gear that earns the money.
Not sure where you fit? Start a 60-second enquiry. No credit check, and a real person reads it.
Cash flow by trade
How each trade actually gets paid, and where the gap opens up.
Cash flow loans for tradies
Cash flow loans for Australian tradies: cover wages, materials and BAS while invoices are unpaid. See how they work and check if you qualify.
Read more →Electricians
Cash flow loans for Australian electricians and electrical contractors. Cover cable, switchgear, wages and BAS while stage claims and invoices are unpaid.
Read more →Plumbers
Cash flow finance for Australian plumbers, drainers and gasfitters. Cover van stock, wages and BAS while builders and property managers pay late.
Read more →Carpenters
Cash flow loans for Australian carpenters, joiners and framers. Cover timber, wages, tools and BAS while stage payments and invoices are slow.
Read more →Builders
Cash flow loans for Australian builders and building contractors. Fund subbies, materials and retention gaps while progress claims and clients pay slowly.
Read more →Concreters
Cash flow finance for Australian concreters, from driveways to commercial slabs. Cover concrete, pump hire, steel and wages while payments lag.
Read more →Painters
Cash flow finance for Australian painters and decorators. Cover paint, scaffold hire, wages and BAS while builders, strata and homeowners pay late.
Read more →Plasterers
Cash flow loans for Australian plasterers and drywallers. Cover plasterboard, wages and BAS while builders pay on stage and invoices run late.
Read more →Landscapers
Cash flow finance for Australian landscapers and garden builders. Cover plants, pavers, machine hire and wages while deposits run short.
Read more →Roofers
Cash flow finance for roofing contractors: cover steel and tile orders, crew wages and storm-season gaps while builders and insurers take their time to pay.
Read more →Tilers
Working capital for tiling businesses: fund tile, adhesive and waterproofing orders, wet saws and extraction gear, and labour while builders pay late.
Read more →Bricklayers
Cash flow finance for bricklaying businesses: carry brick and mortar costs, labourers and scaffold hire between stage claims, with no credit check to enquire.
Read more →HVAC technicians
Business cash flow finance for air-conditioning and refrigeration techs: fund unit stock, refrigerant, service vans and summer surges between invoices.
Read more →Mechanics
Cash flow finance for mechanics and workshop owners: carry parts accounts, wages and fleet customers on 30-day terms without stalling the hoist.
Read more →Earthmoving
Cash flow finance for earthmoving and excavation operators: fund fuel, floats, repairs and operators while civil contractors pay on 30 to 60 day terms.
Read more →Fencers
Cash flow finance for fencing contractors: pay for posts, panels, concrete and crew while deposits fall short and neighbours, builders and strata pay slowly.
Read more →Glaziers
Cash flow finance for glazing businesses: pay for custom glass, aluminium frames and installers while builders, insurers and strata take weeks to pay.
Read more →Handymen
Cash flow finance for handyman and property maintenance businesses: smooth out many small invoices, agent payments and van and tool costs.
Read more →Cash flow by situation
Slow payers, wet weather, wages, suppliers and the products that bridge them.
Cash flow overview
Every cash flow option for Australian tradies in one place: short-term loans, lines of credit, invoice finance, secured loans, plus guides by trade.
Read more →Slow-paying builders
Waiting 30, 45 or 60 days on a builder's payment while wages and suppliers are due now? Here is how subbies bridge the gap and chase what they are owed.
Read more →Progress payment gaps
Staged claims mean you spend first and get paid later. See how tradies plan and fund the gap between progress payments, retention and final claims.
Read more →Wet weather cash flow
Rain days, floods and storm seasons stop outdoor trades earning while costs keep running. Plan a weather buffer and know your funding options.
Read more →Subbies and wages
Pay your crew and subbies on time even when your own invoices are unpaid. Payday super, weekly pay and options for bridging wages between payments.
Read more →Supplier accounts
Materials are often your biggest job cost. Learn how supplier trade accounts, deposits and cash-flow funding work so stock never stalls a job.
Read more →Invoice finance
Invoice finance releases cash against unpaid invoices. See how it works for tradies, who it suits, and the alternatives when invoices are small or private.
Read more →Line of credit
A business line of credit lets tradies draw cash when a gap appears and repay when customers pay. See how limits, drawdowns and repayments work.
Read more →Short-term loans
Short-term business loans bridge a cash gap over weeks or months. Learn how terms, repayments and sizing work for tradies, and when they fit.
Read more →Same-day loans
Same-day funding can be possible for smaller unsecured amounts when your paperwork is ready. See what speeds a tradie loan up and what slows it down.
Read more →Toolbox picks for this topic
Cash Flow Gap Planner
Weekly money in and out with your invoice terms. See the gap, the lowest point and how many weeks of runway you have.
Open the tool →Job Quote Margin Calculator
Labour, materials, markup versus margin, contingency and GST. Know what a quote really earns before you send it.
Open the tool →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