Construction

Business Loans for the Construction Industry from 6.49% p.a.

Fund your construction projects, equipment, and growth with business loans tailored for builders and construction companies across Australia.

Comparison rate from 6.98% p.a.* Loans from $20K to $2M.

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Construction Loans at a Glance
Rates from 6.49% p.a. (comparison rate 6.98% p.a.*)
Loan amounts from $20K to $2M
Terms from 12 to 60 months
50+ lender panel with construction specialists
No obligation quote — free expert guidance

Common Financing Needs for Construction

We help construction businesses access the right finance for their specific needs. Here are the most common things our construction clients finance:

Heavy machinery and equipment finance

Project-based working capital

Progress payment bridging

Site establishment and setup costs

Subcontractor payment funding

Safety and compliance upgrades

Construction Business Loan Features

Loans from $20,000 to $2,000,000

Project-based lending structures

Progress payment bridging facilities

Equipment and machinery finance bundled

Flexible repayment schedules

Fast approval for established builders

Why Construction Businesses Choose Us

Project Cash Flow

Bridge the gap between progress claims and payments. Keep your projects moving without cash flow delays holding you back.

Equipment Access

Finance excavators, cranes, and heavy machinery so you can take on more projects and reduce hire costs over time.

Scale Your Business

Access the working capital you need to bid on larger projects, hire more staff, and grow your construction business.

Industry Expertise

Work with lenders who understand construction timelines, progress payments, and the cyclical nature of the building industry.

Industry Challenges We Solve

We understand the unique lending challenges faced by construction businesses. Our lender panel includes specialists who can work with these common situations:

Progress payment delays affecting cash flow

Seasonal downturns in construction activity

High upfront costs before revenue is received

How to Get a Construction Business Loan

Tell Us Your Needs

Share your construction financing requirements and goals.

We Compare Lenders

We match you with specialist lenders from our 50+ panel.

Get Approved

Receive competitive offers and choose the best option.

Funds Delivered

Settlement and funds delivered, often within days.

Related Finance Options

Explore other industry loans and business finance products.

Tradies & Contractors Loans

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Transport & Logistics Loans

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Agriculture & Farming Loans

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Healthcare & Medical Loans

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Hospitality & Cafes Loans

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Retail Loans

Rates from 6.49% p.a.

Small Business Loans

SME funding solutions

Unsecured Business Loans

No property security needed

Secured Business Loans

Lower rates with security

Startup Loans

New business funding

Cash Flow Loans

Working capital solutions

Line of Credit

Flexible drawdown facility

Construction Business Loan FAQs

What types of business loans are available for construction companies?

Construction companies can access a range of finance options including unsecured business loans, equipment finance, line of credit facilities, invoice finance for progress claims, and project-specific funding. The best option depends on your specific needs and business structure.

Can I get a loan to cover progress payment gaps?

Yes. Progress payment bridging is a common finance solution for builders. These facilities provide working capital while you wait for progress claims to be certified and paid, ensuring your project stays on schedule.

How much can a construction business borrow?

Construction businesses can typically borrow from $20,000 to $2,000,000 or more depending on the business size, trading history, project pipeline, and available security. Larger amounts are available for established businesses with strong track records.

Do I need to provide property as security?

Not always. Unsecured business loans are available up to $150,000 for qualifying construction businesses. For larger amounts, lenders may accept equipment, vehicles, or property as security to offer more competitive rates.

Can new construction businesses get finance?

Yes, though options may be more limited for businesses with less than 2 years trading history. Some lenders specialise in newer construction businesses and will consider your industry experience, qualifications, and project pipeline.

How are construction loan repayments structured?

Repayments can be structured to suit your cash flow. Options include regular monthly repayments, seasonal payment plans aligned with construction cycles, or interest-only periods during project ramp-up phases.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.

Ready to Fund Your Construction Business?

Specialist lenders, competitive rates from 6.49% p.a. Free, no-obligation quote.

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