Funding From $50,000
Short-Term Business Funding from $50,000
Rates from 1.95% p.m.*
Fast, Flexible Funding for Builders, Tradies & Construction Businesses
builderloans.com.au helps Australian construction businesses access short-term, property-secured business funding by facilitating applications with an independent private lender.
Bridging finance
Equipment & vehicle purchases
Cash flow support
Land & development opportunities
* Indicative rates from 1.95% p.m. are available for eligible transactions and are subject to lender assessment, approved security and individual circumstances. Fees and other costs may apply.
Funding That Moves as Fast as You Do
Running a construction business comes with enough moving parts. Accessing short-term business funding shouldn’t add unnecessary complexity.
builderloans.com.au helps builders, trades and construction businesses through the application process for short-term business loans secured by approved real property.
Funding enquiries generally start from $50,000, with transactions commonly considered up to $1 million. Larger transactions may also be considered depending on the circumstances.
Whether you’re managing a short-term cash flow gap, settling a commercial land opportunity, purchasing equipment or bridging to longer-term finance, we make it easier to start the conversation and understand what information is required.
We focus specifically on businesses connected to the construction industry, so we understand that timing, project schedules and cash flow don’t always move in a straight line.
Why Choose Us
The key advantages that set our funding solutions apart from banks and generic lenders
Fast When Timing Matters
Construction opportunities don't always wait for traditional finance timeframes.
When you're facing a settlement deadline, supplier commitment, equipment purchase or temporary cash flow gap, we help keep the enquiry and application moving so the lender can assess it as quickly as the circumstances allow.
Built for Builders & Trades
Construction isn't just another industry to us.
We focus on builders, trades, suppliers, manufacturers and other construction businesses, so we understand progress payments, project timelines, supplier commitments and the pressure that comes with keeping jobs moving.
Flexible, Deal-by-Deal Assessment
Not every good commercial opportunity fits neatly inside a standard lending box.
Applications are considered individually, taking into account the business purpose, available property security, loan term, proposed exit strategy and the circumstances of the transaction.
Personal Support from Enquiry to Offer
You won't simply submit your details and disappear into an automated system.
builderloans.com.au remains your front-end point of contact through the enquiry and application process, helping you understand what's required and keeping the process moving.
Clear Terms Before You Commit
If the lender wishes to proceed, you'll receive a Letter of Offer setting out the proposed funding amount, interest rate, fees, security and key conditions.
That means you can see what is being proposed before deciding whether to move forward with formal loan documentation.
Serving All of Australia
We work with construction businesses across Australia.
Whether you're building in a capital city, operating in a regional centre or pursuing an opportunity interstate, you can start the conversation with builderloans.com.au.
How The Process Works
A Simple Path from Enquiry to Settlement
From your first conversation through to settlement, we help keep the process clear and straightforward.
Step 1
Start Your Enquiry
Tell us what you need, how much you’re looking to borrow and the property available as security. We’ll explain what’s needed to move forward.
Step 2
Application & Assessment
We’ll help you complete the application and submit it to the lender, who assesses the transaction, security and supporting information.
Step 3
Letter of Offer
If the lender wishes to proceed, you’ll receive a Letter of Offer outlining the proposed amount, interest rate, fees, security and key conditions.
Step 4
Documentation & Settlement
Once the offer is accepted, the lender’s lawyers prepare the formal documents. When all requirements are met, settlement is arranged and the funds are released.
Common Funding Uses
Real Scenarios We Help With
These are examples of genuine business-purpose funding scenarios that may be considered by the lender.
All applications are subject to lender assessment and approved real-property security.
Short-term funding may help when a construction business needs to move quickly on a commercial land purchase, settlement or development opportunity.
Land Settlement & Development Opportunities
Bridge temporary cash flow gaps while waiting on progress claims, customer payments or major invoices, helping cover wages, materials and supplier commitments.
Working Capital & Cash Flow Support
Access business capital to purchase equipment, machinery, tools or vehicles needed to keep projects and operations moving.
Equipment & Vehicle Purchases
Short-term funding may provide breathing room while longer-term finance, asset sales or another agreed exit strategy is being completed.
Bridge to Longer-Term Finance
Funding may assist eligible building businesses with genuine business-purpose expenditure associated with display homes, spec builds and other construction opportunities.
Display Homes & Spec Builds
Why Some Construction Businesses Consider Alternative Funding Pathways
Traditional bank finance can be a good fit for many businesses, but construction opportunities don’t always work to traditional lending timeframes.
Land settlements, supplier commitments, equipment purchases and temporary cash flow gaps can arise quickly. In some situations, a business may need a funding pathway that can consider the transaction, available property security and proposed exit strategy without waiting through a lengthy traditional finance process.
Private commercial funding can provide an alternative for suitable short-term business requirements where acceptable real-property security is available.
builderloans.com.au helps manage the application process, while the independent private lender assesses each transaction and determines whether it wishes to provide funding.
For builders, trades and construction businesses, having another funding pathway available can provide valuable flexibility when timing matters.
Who We Help
Built for Businesses Across the Construction Industry
The construction industry runs on tight schedules, major commitments and constantly moving cash flow.
builderloans.com.au works with builders, trades and construction-related businesses seeking short-term, property-secured funding for genuine business purposes.
Whether you’re managing a temporary cash flow gap, purchasing equipment, pursuing a land opportunity or bridging to longer-term finance, we can help you start the application process and understand what information is required.
We commonly work with:
Licensed builders & construction companies
Electrical, plumbing & trade contractors
Earthmoving and plant hire businesses
Building material suppliers
Engineers & other construction professions
Manufacturers serving the construction industry
Other construction-related businesses
If you’re unsure whether your situation fits, start with an enquiry and we can talk it through. Start Your Enquiry →
Questions Before You Enquire?
Straight Answers to Some of the Questions We Hear Most Often
Is builderloans.com.au the lender?
No. builderloans.com.au facilitates business loan applications with an independent private lender.
The lender assesses each application, decides whether it wishes to provide funding and determines the proposed loan amount, security, interest rate, fees and conditions.
The identity of the lender is clearly disclosed in the Letter of Offer and formal loan documents.
How much can I borrow?
Funding enquiries generally start from $50,000, with transactions commonly considered up to $1 million.
Larger transactions may also be considered depending on the circumstances, available security and lender assessment.
What kind of security is required?
Funding is secured by acceptable real property.
Depending on the transaction, this may include residential, commercial or industrial property or land owned by the borrower or guarantor.
All security is subject to lender assessment and approval.
Can residential property be used as security?
Yes. Residential property may be offered as security for a genuine business-purpose loan.
Using residential property as security does not, by itself, make the loan a residential or consumer loan. The purpose for which the funding is being provided remains important.
builderloans.com.au facilitates funding for genuine business purposes only, and all proposed security is subject to lender assessment and approval.