Finance by industry
Finance that fits how your industry gets paid.
A café takes payments daily; a civil contractor waits on progress claims; a farmer is paid at harvest. We match the product and the repayment schedule to the cash-flow pattern of your trade.
Industries
Agriculture
Agricultural finance is lending structured around a single annual income event, using seasonal repayments, equipment finance for machinery and working capital that carries a farm from planting through to sale.
Allied health
Allied health finance is lending for physiotherapy, psychology, podiatry, chiropractic and similar practices, covering treatment equipment, clinic fit-outs, practice purchases and the working capital that carries a growing clinic.
Beauty and salons
Beauty and salon finance is lending for hair, beauty and cosmetic clinics, funding treatment equipment such as aesthetic lasers, salon fit-outs, retail stock and the working capital around seasonal trade.
Cafés and hospitality
Cafés, restaurants and bars take payments daily, so finance with daily or weekly repayments and equipment finance for fit-outs and kitchen gear tend to fit best.
Childcare centres
Childcare finance is lending to long day care and early learning centres, covering centre fit-outs, playground and equipment upgrades, centre acquisitions and the property the service operates from.
Civil contractors
Civil contractor finance is asset-heavy lending for earthmoving fleets, float trailers and support vehicles, combined with working capital that carries wages and fuel across long government and tier-one payment cycles.
Cleaning businesses
Cleaning business finance is working-capital-led lending for commercial and specialist cleaning contractors, funding the wage bill that runs weekly against contracts paid monthly in arrears, plus vehicles and machinery.
Construction
Construction finance is business lending structured around progress claims, retentions and plant purchases, covering equipment loans for machinery and working capital for the gap between paying subbies and being paid.
Dental practices
Dental practice finance is equipment-led lending for chairs, imaging and surgery fit-outs, alongside acquisition and premises funding, priced on the strength of recurring patient billings and practitioner registration.
Electrical contractors
Electrical contractor finance funds fitted-out vehicles, test and installation equipment and elevated work platforms, plus the working capital needed to carry cable and switchgear costs on commercial and solar projects.
Franchises
Franchise finance is lending to franchisees, funding the initial franchise fee, fit-out and equipment package for a new site, resales of existing franchises, and multi-site expansion within a system.
Gyms and fitness
Gym and fitness finance is lending against recurring membership revenue, used to fund equipment ranges, fit-outs and expansion for gyms, studios and franchised fitness businesses.
IT and technology
IT and technology finance is lending to managed service providers, software businesses and IT resellers, funding hardware for client deployments, software and licence costs, and the working capital of recurring-revenue models.
Landscaping
Landscaping finance is seasonal, asset-backed lending for landscape construction and maintenance businesses, funding mini excavators, tippers, trailers and mowing equipment plus working capital across the winter trough.
Manufacturing
Manufacturing finance is capital equipment lending combined with working capital for raw materials, covering CNC machines, presses and packaging lines as well as the gap between buying stock and being paid for finished goods.
Medical practices
Medical practice finance is lending for GP and specialist practices, covering diagnostic equipment, consulting-room fit-outs, practice purchases and the commercial premises a practice trades from.
Mining services
Mining services finance is contract-driven lending for the plant, haulage and light vehicle fleets that support mine sites, structured so repayments and asset terms line up with the length of the contract being serviced.
NDIS providers
NDIS provider finance is lending to registered and unregistered disability service providers, funding modified vehicles, support worker wages ahead of claim payments, SDA and SIL property, and assistive equipment.
Pharmacy
Pharmacy finance is lending built around PBS reimbursement timing and heavy stock holdings, covering dispensary automation, store fit-outs, inventory funding and the purchase of a pharmacy business.
Plumbing businesses
Plumbing finance is asset and cash-flow lending for plumbing contractors, funding fitted-out service vehicles, jetters and camera equipment, and the materials and wages carried between invoicing and payment.
Professional services
Professional services finance is lending to accounting, legal, engineering, architecture and consulting firms, funding work in progress, office fit-outs, technology and partner buy-ins against fee income rather than physical assets.
Real estate agencies
Real estate agency finance is lending against commission and property management income, funding vendor-paid marketing, rent roll purchases, office fit-outs and the gap between listing a property and settlement.
Retail
Retail finance is lending sized to daily takings and seasonal stock cycles, covering inventory buys ahead of peak trade, store fit-outs and the working capital that carries a shop through quiet months.
Tradies
Tradies and contractors need finance that lands before the job and is repaid as progress claims and invoices clear. Utes, tools and cash-flow gaps between jobs are the usual triggers.
Transport and logistics
Transport operators pay for fuel, tolls and drivers before customers pay on 30–60-day terms, so truck and trailer finance is usually paired with a working-capital facility.
Veterinary practices
Veterinary finance is lending for clinics and mobile practices, covering surgical and imaging equipment, hospital fit-outs, practice acquisitions and the vehicles used for large-animal and mobile work.
Business situations
Business loans with bad credit
Bad credit business finance is lending to businesses with defaults, judgments or a past insolvency on file, offered by a smaller group of lenders that price for the additional risk and usually require security or a strong recent trading record.
New businesses under 12 months
New businesses trading under 12 months have fewer lender options, but equipment finance secured by the asset and small unsecured loans from 6 months of trading are available on our panel.
Non-property owners
Non-property owner business finance is lending to businesses whose directors do not own real estate, relying on asset security, trading performance and receivables rather than property equity, usually at higher rates and lower limits.
Property owners
Property owner business finance is lending where the applicant or director owns residential or commercial real estate, which widens the lender panel and lowers pricing even when the property is not offered as security.
Sole traders
Sole trader finance is business lending to an individual trading under their own ABN, where the applicant and the business are the same legal person, so personal credit and personal income are assessed alongside business banking.
Funding purposes
ATO debt
Finance for ATO debt refinances an outstanding tax liability into a business loan with scheduled repayments, which can protect a payment arrangement and free up cash. Some lenders exclude ATO debt, so lender choice matters.
Business expansion finance
Expansion finance is funding used to grow a business — a second location, additional equipment, more staff or an acquisition — structured so the repayment is carried by the capacity being added rather than by existing trade.
Cash flow finance
Cash flow finance is short-term business funding that covers the gap between paying costs and receiving revenue, used for wages, suppliers and tax rather than for buying assets.
Refinancing business debt
Business debt refinancing is replacing an existing facility with a new one to lower the rate, extend the term, release equity or consolidate several debts into a single repayment.
Renovation and fit-out finance
Renovation and fit-out finance is funding for the works that make a commercial premises usable — joinery, services, flooring, signage and equipment — spread across the lease term rather than paid from working capital.
Stock and inventory finance
Stock and inventory finance is funding used to buy goods for resale ahead of the season or contract that will sell them, repaid from the sales proceeds rather than from existing working capital.