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Guides
Guides for builders and tradies
Straight answers on funding a build, fixing cash flow and getting money fast, written for people who'd rather be on site than reading fine print.
Guide Bridging finance explained for builders and tradies
Bridging finance is a short term loan, secured against property you already own, that covers the gap between needing…
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Guide Builder went into liquidation owing you money? Your first 14 days
If a builder goes into liquidation owing you money, you become an unsecured creditor and usually get paid last, if at…
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Guide Building approvals and demand in 2026: what it means for tradies
Dwelling approvals in Australia were running about 9% higher than a year earlier in July 2026, with 17,687 dwellings…
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Guide Buying building materials in bulk: when it pays and how to fund it
Buying building materials in bulk pays off when you have confirmed work to use them on, somewhere secure to store them…
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Guide Can an owner builder get a construction loan in Australia?
Yes, but it's harder than going through a builder. Many banks won't fund owner builders, and the ones that do usually…
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Guide Christmas shutdown cash flow: how tradies get through the break
The Christmas shutdown squeezes tradie cash flow because wages, holiday pay and supplier bills keep going out while…
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Guide Client won't pay for a variation? How builders and tradies get the money in
If a client or head contractor won't pay for a variation, start with the paperwork: a written, signed variation with a…
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Guide Construction insolvency in Australia 2026: what the data says and how to stay liquid
Construction is still Australia's most common industry for company insolvencies, accounting for 24.4% of companies…
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Guide Construction loan documents checklist: what builders and tradies need
For a property secured construction loan you mainly need ID, details of the property you're offering as security, a…
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Guide Cost to build a duplex in Australia in 2026, stage by stage
Published 2026 guides put the cost to build a duplex at roughly $550,000 to $1.5 million for the pair, before land, and…
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Guide Cost to subdivide a block into 2 lots, stage by stage
Published 2026 estimates put the cost to subdivide a block into 2 lots at roughly $20,000 to $110,000 depending on the…
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Guide Equipment finance vs a business loan: which is better for tradies?
Equipment finance is tied to one asset and suits buying new or near new gear from a dealer, while a fast business loan…
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Guide Exit strategy for a short term loan: how builders plan the repayment
An exit strategy is how you'll repay a short term loan in full at the end of its term, usually by selling a property,…
Read more Guide How a second mortgage works for tradies and builders
A second mortgage is a loan secured against property you already own that ranks behind your existing home loan, so you…
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Guide How fast can a tradie get a business loan?
A tradie trading for 6 months or more can sometimes have an unsecured cash flow loan approved and funded within hours,…
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Guide How landscapers fund a big job before the client pays
Landscapers fund a big job by lining up the cash before day one: the client's deposit (capped by law on structural…
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Guide How long does a builder have to pay a subcontractor?
A builder has a set maximum to pay a subcontractor after a payment claim, and it's set by state law, not the builder's…
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Guide How much deposit can a builder take? The limits by state
On residential work, the deposit a builder can take is capped by state law: 10% in NSW, 5% in Victoria and Queensland…
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Guide How much does it cost to start a scaffolding business in Australia
Starting a small residential scaffolding business in Australia can easily need $150k to $400k on a typical budget once…
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Guide How to finish a stalled build: a step by step plan for builders
To finish a stalled build, secure the site, get an honest cost to complete, lock in your trades and fund the shortfall,…
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Guide How to fund a 4 lot subdivision as a small builder
Small builders usually fund a four lot subdivision in stages, using a mix of their own cash, equity in property they…
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Guide How to pay an ATO debt fast: a practical guide for tradies
The fastest ways for a tradie to deal with an ATO debt are to pay it in full from cash, set up an ATO payment plan…
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Guide How to price a job when material prices keep rising
To price a job when material prices keep rising, shorten your quote validity, split the materials you can't pin down…
Read more Guide Low doc vs full doc loans: which one suits a tradie?
A full doc loan is assessed on your tax returns and financial statements, while a low doc loan leans on other evidence…
Read more Guide Progress payments and cash flow gaps: how builders and subbies stay afloat
A progress payment cash flow gap opens when you pay wages, subbies and suppliers for a stage before the progress claim…
Read more Guide Second mortgage vs caveat loan: which one suits your business?
A second mortgage and a caveat loan are both short term business loans secured against property you already own, but we…
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Guide Security of payment claims: how tradies use them to protect cash flow
Every Australian state and territory has security of payment laws that give contractors and subbies a statutory right…
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Guide Storm season cash flow for roofers: how to fund the rush without going broke
Storm season squeezes roofers because you buy sheet, flashings and labour up front for repairs that are often paid…
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Guide The bank said no to your construction finance. Here's what to do next.
If the bank has declined your construction finance, find out exactly why, fix what you can, and if the timing can't…
Read more Guide Unsecured vs secured business loans: which is right for your trade business?
An unsecured business loan is based on your business's trading history and bank statements, with no property needed,…
Read more Guide Using home equity for business: a practical guide for tradies
Tradies can use the equity in their home, or another property they own, to secure a business loan through a second…
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