Specialist lending for residential and commercial builders. We understand progress payments, fixed-price contracts, and the cash flow demands of construction.
We understand the unique cash flow cycles, contract structures, and licensing requirements of builders.
Bridge the gap between incurring costs and receiving progress payments. We structure facilities around your stage payment schedules, whether standard 5-stage or custom milestones.
Provide clients with deposit bonds instead of cash deposits. This preserves your working capital while giving clients the security they need to sign contracts.
Finance for speculative builds where you're building to sell rather than to contract. We understand the pre-sales requirements and construction funding structures.
Overdrafts, lines of credit, and invoice finance to smooth cash flow between progress claims. Pay suppliers and subbies on time while waiting for client payments.
Finance for vehicles, tools, plant, and equipment. From utes and trailers to scaffolding and site equipment—we structure finance to match your needs.
Help establishing and managing trade accounts with suppliers. Strong supplier relationships are essential—we help you maintain them through proper credit facilities.
Specialist lending for every type of building business.
Project homes and estate developments
Architectural and luxury residences
Offices, retail, and industrial
Townhouses and apartments
Extensions and major refurbishments
Full-service D&C operators
Demolition and new build specialists
Warehouses, sheds, and factories
Structured solutions designed for the building industry.
Cash flow facilities to manage the gap between costs incurred and progress payments received.
Deposit bonds, performance guarantees, and warranty bonds without tying up cash.
Finance for speculative builds, display homes, and project developments.
Finance for vehicles, plant, tools, and equipment your business needs.
Building contracts are structured around progress payments tied to construction stages. For residential builds, this is typically a 5 or 6 stage schedule from deposit through to final payment. Commercial projects often use monthly progress claims based on percentage of completion.
The challenge? You incur costs continuously but receive payments in lumps. Materials, labour, and subcontractors need paying before you receive the next progress claim. This creates cash flow pressure that proper financing solves.
We structure facilities around your specific stage payment schedules—whether standard HIA/MBA contracts or custom terms.
Maintain good relationships by paying on time. Working capital facilities ensure you're not stretching suppliers while waiting for client payments.
Material cost increases on fixed-price contracts squeeze margins. We help structure facilities that provide buffer for cost variations.
Banks often struggle with builder finance. Project-based revenue, multiple concurrent builds, subcontractor-heavy business models, and the fixed-price contract risks unique to construction require specialist understanding.
A specialist broker knows which lenders actively want builder exposure, how to present your pipeline and work-in-progress, and how to structure facilities that flex with your build schedule.
Key metrics that shape lending decisions for builders.
Australia's building and construction industry remains one of the largest sectors of the economy.
Lenders assess your contracted work, work in progress, and pipeline—not just historical financials.
Typical delay between stage completion and payment receipt—plus costs are incurred continuously before each stage.
Fixed-price contracts mean material cost increases directly impact margins—working capital provides buffer.
Townhouse and medium-density developments remain strong as land costs push buyers toward attached housing.
Registered builder status, domestic building insurance, and warranty requirements are assessed by lenders.
From first call to settlement, we keep your business building.
We discuss your current projects, pipeline, and what you're trying to achieve.
We structure finance around your build schedule, contract types, and cash flow needs.
We present your application to lenders who understand and want builder business.
We manage the process through to settlement so you can focus on building.
Answers to frequently asked builder finance questions.
Lenders look at your registered builder status, insurance coverage, current contracts, work in progress, pipeline, historical margins, and management experience. A strong contracted pipeline often matters as much as historical profit.
Yes, though lenders typically want to see pre-sales or strong equity. The structure depends on your track record, the location, and whether you're building on owned or optioned land.
A deposit bond is a guarantee provided to your client instead of a cash deposit. It means you don't need to hold client deposit funds in trust, preserving working capital for actual construction costs.
Working capital facilities—overdrafts, lines of credit, or invoice finance—provide funds to pay suppliers and subbies between progress payments. You draw as needed and repay as progress claims are paid.
Absolutely. We work with builders of all sizes, from sole traders to volume builders. Smaller operators often have simpler structures that some specialist lenders actually prefer.
This is a real risk in the current market. Proper working capital facilities provide buffer, and some builders are now including rise-and-fall clauses. We can discuss strategies with you.
Book a consultation to discuss your building business finance needs with a specialist who understands progress payments, contracts, and the industry.
Or call 03 9020 2699 to speak with our team
