Progress billing, seasonal revenue, plant on-site before payment arrives — construction and trade businesses have cash flow patterns that most lenders misread. We understand the cycle and structure submissions accordingly.
You mobilise plant, crew, and materials before a progress claim is approved and paid. The gap between outlay and receipt is a structural working capital issue — not a profitability problem. We present it to lenders correctly.
Wet seasons, end-of-year shutdowns, and project start delays create uneven revenue that a standard serviceability model misinterprets as risk. We frame your annual pattern so it supports — not hinders — your application.
Trades businesses replace and upgrade equipment regularly. The structure of each facility — chattel mortgage vs. finance lease vs. operating lease — has material tax and cash flow implications that generic brokers often overlook.
Owner-operators and subcontractors often have complex income structures: trust distributions, project-based revenue, multiple ABNs. We structure your serviceability narrative so lenders can see the full picture.
Utes, vans, tippers, tray trucks, and heavy vehicles. Chattel mortgage or finance lease structured around your tax position and end-of-term flexibility. Fast approval for standard commercial vehicles.
Excavators, bobcats, elevated work platforms, concrete equipment, and specialist plant. Facility terms matched to asset life and project pipeline depth.
Site equipment, power tools, generators, scaffolding, and smaller capital items. Packaged finance solutions for trade businesses replacing or upgrading multiple items at once.
Revolving facility to bridge the gap between mobilisation costs and progress claim receipt. Draw as needed, repay when payments land. Particularly useful for businesses carrying multiple concurrent projects.
Finance for trades businesses upgrading or expanding their fleet. Structured across a single facility or individually by vehicle, depending on tax and depreciation strategy.
Purchasing a competitor, taking on a major contract that requires capital investment, or buying out a business partner. Credit narratives built around project pipeline, not just historical revenue.
A second-generation concreting business in Western Sydney needed to replace three aging trucks and add a fourth vehicle ahead of a major infrastructure contract. Their bank reviewed two years of financials and declined — citing irregular income and an existing chattel mortgage.
We reviewed the same financials through a credit lens rather than a retail bank model. The revenue was seasonal and project-based, but the business had strong serviceability when modelled against contract commitments rather than calendar months. We reframed the submission narrative, selected a lender with appetite for transport-adjacent construction businesses, and structured the facility across all four vehicles at competitive terms.
Result: Approved within five business days. The business started the infrastructure contract on time.
Client details anonymised. Results vary by applicant profile and lender appetite.
We understand how lenders assess trades and construction businesses — the revenue patterns, project-based cash flow, and credit narrative that makes the difference between approval and committee referral.
Confidential · No Credit Impact
