Progress billing, seasonal cash flow, plant on-site before payment arrives. Banks misread how trades businesses operate. We find lenders who understand the cycle and back it.
You mobilise plant, crew, and materials before a progress claim is approved and paid. That gap is a structural working capital issue, not a profitability problem. Krishna presents it to lenders correctly. Banks rarely do.
Wet seasons, end-of-year shutdowns, project start delays. Uneven revenue that a standard serviceability model calls risk. We frame your annual cash flow pattern so it supports the application rather than undermining it.
Trades businesses replace and upgrade equipment regularly. Chattel mortgage versus finance lease versus operating lease. Each has material tax and cash flow consequences that a generic broker overlooks entirely.
Trust distributions, project-based revenue, multiple ABNs. Complex income structures that most lenders simplify badly. We build the serviceability narrative so lenders see the full, accurate picture.
Utes, vans, tippers, tray trucks, heavy vehicles. Business vehicle finance structured around your tax position and end-of-term flexibility. Fast approval for standard commercial vehicles.
Excavators, bobcats, elevated work platforms, concrete equipment, specialist plant. Business equipment finance terms matched to asset life and project pipeline depth.
Site equipment, power tools, generators, scaffolding, smaller capital items. Packaged finance solutions for trades businesses replacing or upgrading multiple items at once.
Revolving facility to bridge mobilisation costs and progress claim receipt. Draw when needed, repay when payments land. Critical 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 your tax and depreciation strategy.
Purchasing a competitor, taking on a major contract requiring capital investment, or buying out a business partner. Credit narrative built around project pipeline, beyond historical revenue.
A second-generation concreting business in Western Sydney needed to replace three ageing trucks and add a fourth vehicle ahead of a major infrastructure contract. Their bank reviewed two years of financials and declined. Cited irregular income and an existing chattel mortgage.
We reviewed the same financials through a credit analyst lens. The revenue was seasonal and project-based, but serviceability was strong when modelled against contract commitments rather than calendar months. We reframed the narrative, selected a lender with genuine appetite for transport-adjacent construction businesses, and structured all four vehicles at competitive terms.
Result: Approved within five business days. Infrastructure contract started on time.
Client details anonymised. Results vary by applicant profile and lender appetite.
Krishna understands how lenders assess trades and construction businesses. The cash flow cycles, the asset structures, and the credit narrative that gets a fast approval rather than a committee referral.
Confidential · No Credit Impact