Finance utes, trucks, excavators, tools, materials and project cash flow with a structure that reflects progress claims, subcontractor costs and seasonal workloads.
Initial discussion and assessment only. A formal lender enquiry occurs only with your consent.
A trade business won a larger contract and needed another vehicle with equipment before commencement. We packaged the confirmed work and current turnover, securing the assets before the start date.
Utes, trucks, trailers, excavators, access equipment and specialist tools.
Fund wages, materials and mobilisation before progress claims are paid.
Review ATO liabilities and existing facilities where a viable restructure is available.
Trades and construction businesses often pay labour and suppliers before receiving progress claims. Lenders therefore examine contract quality, gross margin, payment timing, retention amounts and recent bank conduct.
A strong application separates normal project timing from persistent losses and shows how each facility will reduce.
Use asset finance for productive equipment with a multi-year useful life. Use working capital for a measurable timing gap. Use invoice finance where eligible B2B receivables are the main source of delay. Acquisitions and property require a broader structure and more due diligence.
We organise the information, test lender fit and keep the process moving.
Tell us what the money is for, the amount required, timing, turnover and any existing facilities.
We check cash flow, bank conduct, security and documents before choosing a sensible lender option.
We present the purpose, numbers and risks clearly so the lender can assess the deal without avoidable gaps.
We explain the structure, total cost, conditions and trade-offs before you decide whether to proceed.
Options may exist, but lenders usually require stronger owner experience, equity, security or contracts because there is less trading evidence.
Often yes, subject to asset age, condition, valuation and the lender’s remaining-useful-life policy.
Not automatically. Lenders assess the amount, cause, compliance with the plan and whether the new debt improves or worsens the position.
Start with identification, business bank statements, financial statements, debt schedule and evidence of the purchase, contract or cash flow need.
Tell us what you are funding, the amount required and the timing. We will explain the realistic options before you choose whether to proceed.