Construction Finance.
Capital that keeps the trucks rolling and the trades on site.
Overview
Construction is cash-flow heavy. Progress payments arrive on the builder's clock, but wages, materials and plant don't wait. We arrange finance for plant and equipment, site vehicles, fit-outs and project-based working capital, with lenders who understand draw schedules and milestone billing.
This isn't generic commercial lending. The right lender for a civil contractor isn't the right lender for a residential builder and project-based facilities need structuring around your actual cash conversion cycle.
Construction lending is risk-priced. Strong financials and project pipeline materially improve pricing.
Who this is for
Key benefits
- Asset-backed finance for plant and equipment
- Progress-aligned drawdown facilities
- Seasonal repayment structures available
- Specialist lenders comfortable with construction risk
- Fast turnaround on standard plant
- Bridging finance for between-project gaps
How it works
A guided process.
- 1Discovery
A short call to understand the asset, your situation and the outcome you actually want, not just a rate quote.
- 2Compare
We benchmark across our lender panel for rate, fees, structure and credit appetite, then put the best two or three side by side.
- 3Submit
We package the application properly the first time, so credit teams approve faster and with fewer conditions.
- 4Settle
We coordinate documents, payouts and dealer or vendor settlement and remain available post settlement whenever you need us.
Structuring options
Different structures suit different situations. We'll model the right one for yours.
Excavators, tippers, trailers, scaffold, formwork. Standard chattel structure with GST and depreciation benefits.
Pre-approved facility you draw against as you acquire equipment. Useful for fast-growing operators.
Facility sized against contracted projects, with drawdowns linked to milestones.
Unlock capital from plant you already own, useful when project deposits are due before payment lands.
Real-world scenarios
Recent deals we've structured. Names removed, numbers real.
$280k combined, chattel mortgage with seasonal repayments aligned to a 9-month civil contract.
Equipment line of credit pre-approved for $400k, drawn down as the operator won new contracts.
Working capital facility to bridge progress payments on three concurrent builds.
What you'll need
Standard documents. We'll tell you exactly which ones up-front.
- Director ID
- ABN and trading history
- Last 2 years financials (P&L and balance sheet)
- Asset or facility details
- Director ID
- Project contracts or LOI
- Project budget and cash flow
- Builder's licence and insurance
- Trade references
Lenders we compare
We're not tied to any single funder. Different lenders win different deals.
Plus many more great lenders on our wide panel
What to watch out for
Where deals go wrong and how we keep yours out of trouble.
Going to the wrong lender wastes weeks. We know who actively wants construction deals and who quietly declines them.
Progress payments lag costs by 30-60 days. We size loans depending on your business needs.
Each loan should stand on its own asset. We structure to keep flexibility for future trades.
Common questions
Ready to Elev8 your finance?
Let's structure something that actually fits your situation. No upfront cost, no pressure.