How It Works
How It Works
A straightforward process from enquiry to funding
builderloans.com.au helps Australian builders, trades and construction businesses navigate the front end of the short-term business funding process.
We receive your enquiry, help you understand what information is required and facilitate the application with an independent private lender.
The lender independently assesses the application, determines whether it wishes to provide funding and, if so, sets the proposed amount, security, interest rate, fees and conditions.

If the lender wishes to proceed, builderloans.com.au provides the lender-approved Letter of Offer to you and remains your point of contact through that stage of the process. Formal loan and security documentation is then prepared by the lender’s lawyers before settlement.
How The Process Works
From Enquiry to Settlement
Step 1
Start Your Enquiry
Tell us what you’re looking to fund, approximately how much you need and the property available as security. We’ll discuss the requirement and explain what information is needed to progress.
Step 2
Complete the Application
If you wish to proceed, builderloans.com.au will provide the application information required and help you through the process before the completed application is submitted to the lender.
Step 3
Lender Assessment
The lender independently assesses the application, available security and supporting information and conducts its own due diligence before deciding whether it wishes to proceed.
Step 4
Letter of Offer
If the lender wishes to proceed, you’ll receive a Letter of Offer outlining the proposed amount, rate, fees, security and key conditions.
Step 5
Formal Documentation & Verification
Once the offer is accepted, the lender instructs its lawyers to prepare the formal loan and security documents. Required verification is completed before settlement.
Step 6
Settlement & Funds Release
Once the legal documentation, verification and other settlement requirements have been satisfied, settlement is arranged and the funds are released.
Funding Overview
Commercial funding built around real construction timelines
Construction opportunities don’t always wait for traditional finance timelines.

builderloans.com.au helps builders and construction businesses navigate the enquiry and application process for short-term, property-secured business funding with an independent private lender.
Typical Feature
General Guide
Loan Amount
$50,000 – $1 million (larger transactions considered)
Indicative Interest Rate
From 1.95% p.m.*
Security Required
Approved real property
Purpose
Genuine business purposes only
Loan Term
1 - 12 months
Exit Strategy
Clear exit strategy generally required
Availability
Australia-wide
*Indicative rates start from 1.95% p.m. for eligible transactions and are subject to lender assessment, approved security and individual circumstances. Fees and other costs may apply.
The above table is a general guide only.
Security & Exit
Security and Exit Strategy
Short-term business funding is secured by acceptable real property. Depending on the transaction, security may include residential, commercial or industrial property or land owned by the borrower or guarantor.
Funding may be secured by a first or second mortgage, subject to the lender’s assessment and approval.
A clear exit strategy is also generally required. This may include refinancing, the sale of property or another identifiable business or project-related source of repayment.

The lender considers the proposed security, exit strategy and overall circumstances of the transaction when deciding whether it wishes to provide funding.
Construction Business Funding Support
Australia-wide support, practical conversations
Where We Operate
We work with construction businesses Australia-wide, from major cities to regional centres and growing construction corridors.
If your funding requirement is for a genuine business purpose and you have real property available as security, you're welcome to start an enquiry.
Ready to Start?
Whether you have a time-sensitive funding requirement or simply want to understand the next steps, start with a short enquiry.
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 it.