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 disclosed in the Letter of Offer and formal loan documents.

Funding must be for a genuine business purpose.

Common uses include working capital and cash flow, bridging finance, equipment and vehicle purchases, land and development opportunities, display or spec-home expenditure and bridging to longer-term finance.

Every application is considered individually by the lender.

No. builderloans.com.au is intended for genuine business-purpose funding only.

We do not facilitate loans for personal, domestic or household expenses.

Funding generally starts 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.

Indicative rates start from 1.95% per month for eligible transactions.

The actual rate depends on factors such as the transaction, available security, mortgage position and the lender’s assessment.

Fees and other costs may also apply. The proposed rate and key terms are disclosed before you proceed with formal loan documentation.

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.

A first or second mortgage may be considered, subject to the lender’s assessment and approval.

Yes. Residential property may be offered as security for a genuine business-purpose loan.

The type of property being used as security does not, by itself, determine the purpose of the loan. The proposed loan purpose and available security are assessed as part of the lender’s process.

All security is subject to lender approval.

These are short-term business loans, with terms generally ranging from 1 to 12 months.

The actual loan term depends on the transaction, proposed exit strategy and lender assessment.

An exit strategy explains how the loan is expected to be repaid at the end of the agreed term.

Examples may include refinancing, sale of property, completion of another funding arrangement or identifiable business or project proceeds.

A clear and credible exit strategy is generally an important part of the lender’s assessment.

Timing varies from transaction to transaction.

A complete and straightforward application can often move quickly, but the timeframe depends on factors including the information provided, lender due diligence, property security, valuation requirements, legal documentation and verification.

No particular approval or settlement timeframe can be guaranteed.

The information required depends on the transaction.

Typically, you’ll need to provide information about your business, the purpose and amount of funding required, the property available as security and your proposed exit strategy.

The lender may also request identification, property information, financial information or other supporting documents depending on the circumstances.

We’ll explain what is required as your enquiry progresses.

Yes. Short-term business funding may be used for eligible equipment, machinery or vehicle purchases where the funding is for a genuine business purpose.

The funding offered through this pathway is property-secured business funding, rather than traditional asset finance secured only against the equipment or vehicle being purchased.

Interest, lender fees and transaction costs vary depending on the individual funding arrangement.

Legal, valuation, verification and other third-party costs may also apply where required.

If the lender wishes to proceed, the proposed rate, fees, security and key conditions will be disclosed through the Letter of Offer and associated documentation so they can be reviewed before the transaction progresses.

We’ll review the information you provide and contact you to discuss your funding requirement.

If you wish to progress, builderloans.com.au will explain the information required and facilitate the application process.

The completed application is then provided to the lender for assessment. If the lender wishes to proceed, it may issue a Letter of Offer setting out the proposed terms.

builderloans.com.au is authorised to provide lender-approved Letters of Offer and receive executed Letters of Offer on the lender’s behalf.

If the lender wishes to proceed following its assessment, it may issue a Letter of Offer outlining the proposed funding terms and key conditions.

builderloans.com.au is authorised to provide lender-approved Letters of Offer to applicants and receive signed Letters of Offer on the lender’s behalf.

If you choose to accept the offer, the transaction then progresses to formal loan and security documentation.

We work with construction businesses Australia-wide, including metropolitan and regional locations across Australia.

Most of the enquiry and application process can be handled remotely by phone and online.

Start by completing our short online enquiry form or call us directly.

Tell us what you’re looking to fund, approximately how much you need and the property available as security, and we’ll get in touch to discuss the next steps.

Start Your Enquiry →