Tools, trucks and tenders
Trades, transport and industry business loans
Builders, sparkies, plumbers, HVAC techs, landscapers, mechanics, detailers, cleaners, security firms, truckies, manufacturers, printers and mining contractors.
Trade and industrial businesses often look healthy on a profit report and tight in the bank account. Materials go out before invoices come in, big clients set their own payment terms, and the best jobs usually need gear, vehicles or staff before the first dollar arrives.
Lenders read these businesses through their contracts, debtor ledgers, licences and equipment lists. The guides below show what each trade typically borrows for and how to present it so a lender can say yes with confidence.
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Industry guides in trades & industry
Each guide covers typical borrowing needs, how lenders read the industry, documents, red flags and illustrative scenarios.
Builders and construction
Builder business loan guide: what builders borrow for, how lenders read contracts, progress claims and licences, and the red flags that stall approval.
Read the guide →Electricians
Electrician business loan guide: what electrical contractors borrow for, how lenders read debtors, stock and licences, and the red flags to fix first.
Read the guide →Plumbers and gasfitters
Plumbing business loan guide: what plumbers and gasfitters borrow for, how lenders weigh maintenance versus builder work, and red flags to fix.
Read the guide →Air conditioning and refrigeration
HVAC business loan guide for air conditioning and refrigeration businesses: what they borrow for, how lenders read seasonal stock, and red flags.
Read the guide →Landscapers and garden services
Landscaping business loan guide: what landscapers borrow for, how lenders read construction versus maintenance income, and the red flags to fix.
Read the guide →Mechanics and auto workshops
Mechanic workshop loan guide: what workshops borrow for, how lenders read job volumes, fleet accounts and equipment, and the red flags to fix first.
Read the guide →Car detailers
Car detailing business loan guide: what detailers borrow for, how lenders read young mobile businesses, and the steps that make approval easier.
Read the guide →Commercial cleaners
Cleaning business loan guide: what commercial cleaners borrow for, how lenders read contracts, wages and compliance, and the red flags to fix first.
Read the guide →Security firms
Security company finance guide: what guarding, patrol and alarm businesses borrow for, how lenders read contracts and licences, and red flags to fix.
Read the guide →Trucking and freight
Trucking business loan guide: what transport operators borrow for, how lenders read contracts, fleet condition and fuel, and the red flags to fix.
Read the guide →Manufacturers
Manufacturing business loan guide: what manufacturers borrow for, how lenders read order books, margins and machinery, and the red flags to fix first.
Read the guide →Printers and sign makers
Printing business finance guide: what printers and sign makers borrow for, how lenders read product lines and specialised gear, and red flags to fix.
Read the guide →Mining services contractors
Mining services finance guide: what contractors to mines borrow for, how lenders read long payment terms and contracts, and the red flags to fix.
Read the guide →Run a trades & industry business? See what's possible
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