Specialist lending for earthmoving, infrastructure, and civil construction businesses. We understand WIP schedules, progress claims, and retention cycles.
We understand the unique cash flow dynamics, asset requirements, and project cycles of civil construction.
We understand how to read and present Work in Progress schedules to lenders. Your WIP position tells the story of project profitability—we help translate that into lending terms.
Bridge the gap between completing work and receiving payment. We structure facilities around your claim cycles, whether monthly progress claims or milestone-based payments.
Don't let 5-10% retention holdbacks strangle your cash flow. We can help structure facilities that account for retention releases at practical completion and defects liability periods.
Finance for excavators, graders, dozers, trucks, and specialised plant. We understand residual values on heavy equipment and can structure finance to match utilisation rates.
Performance bonds, security deposits, and bank guarantees are essential for winning work. We help structure facilities that preserve your working capital while meeting tender requirements.
Whether you're a tier-one contractor or specialist subbie, we understand the payment chains and contract structures that define cash flow in civil construction.
Specialist lending across the civil construction supply chain.
Highways, local roads, and pavement
Bulk excavation and site preparation
Bridges, culverts, and retaining walls
Pipelines, treatment, and drainage
Power, gas, and telecommunications
Warehouses, factories, and depots
Subdivisions and estate works
Mine site civil and maintenance
Structured solutions designed for civil contractors and infrastructure builders.
Finance for excavators, graders, dozers, loaders, trucks, and specialised civil construction plant.
Cash flow solutions structured around your project cycles, progress claims, and WIP position.
Performance bonds and guarantees to secure contracts without tying up working capital.
Commercial property finance for depots, workshops, storage yards, and operational bases.
Work in Progress schedules are the heartbeat of a civil contractor's financial position. Unlike other industries where revenue is recognised on delivery, construction accounting requires careful tracking of costs incurred versus claims certified.
We work with lenders who understand that a healthy WIP position—where costs to complete are accurately forecast and margins are protected—is more important than simple profit and loss statements.
We present your projects showing % complete, cost to complete, and forecast margin—the metrics lenders need to see.
Whether you claim monthly, on milestones, or on completion—we structure finance around your specific payment terms.
Variations and extensions of time are part of construction. We help present these professionally to support your lending case.
Construction finance is complex. Banks often struggle with project-based businesses where revenue recognition follows percentage of completion accounting, where assets are heavy equipment with variable utilisation, and where cash flow is dictated by claim cycles and retention holdbacks.
A specialist broker brings the industry knowledge to present your business in terms lenders understand, and the relationships to match you with financiers who actively seek construction exposure.
Key metrics that shape lending decisions in civil construction.
Australia's infrastructure investment pipeline over the next decade, creating sustained demand for civil contractors.
Lenders assess costs incurred vs claims certified, forecast margins, and cost to complete—not just P&L.
Time between work completion and payment receipt, excluding retention which can take 12-24 months.
Standard retention holdback on progress claims, released at practical completion and end of defects period.
Wind, solar, and battery infrastructure creating new opportunities for civil contractors with electrical capabilities.
Lenders assess fleet utilisation—billable hours vs total hours—as a key efficiency and repayment capacity metric.
From first call to settlement, we keep your project on track.
We discuss your projects, WIP position, equipment needs, and growth plans.
We structure finance around your claim cycles, contracts, and cash flow patterns.
We present your application to lenders who understand civil construction.
We manage the process through to settlement so you can focus on your projects.
Answers to frequently asked civil construction finance questions.
Lenders look at your WIP schedule (costs incurred vs certified claims, margins, cost to complete), contract pipeline, equipment utilisation, management experience, and bonding capacity. A clean WIP position often matters more than profitability alone.
Yes, we can structure project-specific equipment finance where the asset is tied to a particular contract. This can include provisions for sale or refinance at project completion.
Once a claim is certified by the superintendent, it can be financed—typically at 70-85% of the certified amount. This bridges the gap between certification and payment, which can be 30-45 days.
We can help structure guarantee facilities that don't require dollar-for-dollar cash backing. Insurance-backed bonds, indemnity-based facilities, and partial cash backing arrangements can all preserve your working capital.
Yes, some lenders will advance against contracted retention amounts, particularly where you have a strong track record and the principal is a creditworthy counterparty (government or major developer).
This is common in construction where revenue recognition timing creates accounting losses despite profitable projects. We work with lenders who understand construction accounting and will assess the underlying WIP position.
Book a consultation to discuss your civil construction finance needs with a specialist who understands WIP, progress claims, and the industry.
Or call 03 9020 2699 to speak with our team
