Frequently Asked Questions

We connect businesses with private lenders who offer short-term commercial-purpose loans — typically for less than six months. These loans are designed for builders, trades, suppliers, and other construction-related businesses needing quick access to capital.

No. All loans arranged through BuilderLoans.com.au are strictly for business and commercial purposes only. If the funds will be used for personal or household use, we can’t assist under our current licensing and compliance structure.

Once your enquiry and application are complete, lenders can often approve and fund within 24–48 hours. Timing depends on the complexity of your application and how quickly documents (such as identification or property details) are supplied.

All loans must be secured by real property — usually a first or second mortgage. The property can be residential, commercial, or industrial, provided you have the appropriate ownership or equity position.

Loan amounts typically range from $100,000 up to $1 million, depending on the property value, available equity, and the strength of your exit strategy.

An exit strategy outlines how the loan will be repaid at the end of the term — for example, through a property sale, refinance, or an incoming project payment. Lenders require a clear, realistic exit plan before approving any short-term loan.

Most loans are short-term — generally between one and six months. These are designed to bridge timing gaps or fund short-term business opportunities rather than serve as long-term financing.

Usually not. Private lenders focus primarily on the security and exit strategy, not detailed historical financials. However, they may request supporting documents if the loan structure or circumstances require further clarification.

Once you complete the quick online form, we’ll review your responses to confirm whether your situation fits the lenders’ criteria.

If it does, we’ll give you a call to confirm details and, if suitable, connect you with a lender to continue the process directly.

No — BuilderLoans.com.au does not charge upfront fees for enquiries or introductions. Any applicable fees (such as lender, legal, or verification fees) are clearly outlined by the lender once you proceed to offer stage.

We help businesses Australia-wide, including metro and regional areas across all states and territories. Most of our process can be handled over the phone and online. Our office is based in Gold Coast, QLD.

You can begin by completing our online form, which takes less than two minutes. You’ll know quickly whether your situation qualifies for the next step, and we’ll contact you to discuss your options.