# Construction Finance Online

> Fast finance for Australian builders, tradies and subcontractors. Construction loans for small builds (houses, duplexes, townhouses, 2 to 4 lot subdivisions, small commercial), fast second and first mortgages, business bridging loans, unsecured cash flow loans, ATO debt funding and building materials finance. Loans from $20,000 to $5 million. Property secured loans can be funded in as little as 24 hours; unsecured loans need 6+ months trading. Caveat loans in Victoria only. Business and investment purposes only. Rates are priced individually and never published.

Apply: https://www.constructionfinance.online/apply/ (60 second online form; enquiring does not affect credit score)
Operated by Company Cash Pty Ltd (ABN 88 673 762 297).

## Loans
- [Bad credit loans](https://www.constructionfinance.online/bad-credit-loans-for-tradies/): Bad credit loans for tradies and builders, secured by property equity. Past defaults and ATO debts considered, fast decisions. See if you qualify today.
- [Building materials finance](https://www.constructionfinance.online/building-materials-finance/): Building materials finance for bulk buys, supplier accounts and urgent orders. $20k to $5M, secured or unsecured, funded fast. Check your options now.
- [Business bridging loans](https://www.constructionfinance.online/business-bridging-loans/): Business bridging loans for builders and tradies waiting on a sale, settlement or refinance. $20k to $5M secured on property. Check your options now.
- [Cash flow loans](https://www.constructionfinance.online/cash-flow-loans-for-tradies/): Unsecured cash flow loans for tradies trading 6+ months. No property needed, sized to turnover, some funded within hours. See if you qualify in 60 seconds.
- [Caveat loans (VIC)](https://www.constructionfinance.online/caveat-loans-for-builders/): Caveat loans for builders are written in Victoria only. Outside Victoria, a fast second mortgage does the same job. Fast answers. Check your options today.
- [Construction completion loans](https://www.constructionfinance.online/construction-completion-loans/): Construction completion loans to finish a build that's stalled or run over budget. Secured by existing property equity, fast decisions. Check your options.
- [Construction finance](https://www.constructionfinance.online/construction-finance/): Construction finance for small Australian builds and the trades. $20k to $5M secured on property you already own, funded fast. See if you qualify today.
- [Construction loans](https://www.constructionfinance.online/construction-loans/): Fast construction loans for houses, duplexes, townhouses, sheds and small commercial builds. $20k to $5M secured on existing equity. Check your options now.
- [ATO tax debt loans](https://www.constructionfinance.online/ato-debt-loans-for-tradies/): ATO debt loans for tradies and builders. Pay a BAS or tax debt fast with a secured or unsecured business loan from $20k. See if you qualify in 60 seconds.
- [Builder finance](https://www.constructionfinance.online/builder-finance/): Builder finance for small Australian builders. $20k to $5M for jobs, wages, land and cash flow, secured on property or unsecured. Check your options now.
- [Debt consolidation](https://www.constructionfinance.online/debt-consolidation/): Debt consolidation for tradies and builders. Roll ATO debts, cards, supplier accounts and daily repayment loans into one. Fast decisions. Check your options.
- [Duplex & townhouse finance](https://www.constructionfinance.online/duplex-townhouse-construction-finance/): Duplex construction finance and townhouse construction finance for small builders. $20k to $5M on existing equity, funded fast. Apply in 60 seconds.
- [Fast first mortgage](https://www.constructionfinance.online/fast-first-mortgage/): A fast first mortgage over property you own outright or nearly outright. $20k to $5M for builders and tradies, funded in days. Check your options now.
- [Fast second mortgage](https://www.constructionfinance.online/fast-second-mortgage/): A fast second mortgage for builders and tradies. Use the equity in your home or property without touching your bank loan. $20k to $5M. Check your options now.
- [Finance for tradies](https://www.constructionfinance.online/finance-for-tradies/): Finance for tradies across every trade. Fast loans for tools, utes, wages, materials and tax debts, secured or unsecured. See if you qualify in 60 seconds.
- [Land purchase finance](https://www.constructionfinance.online/land-purchase-finance-for-builders/): Land purchase finance for builders who need to pay a deposit or settle on a site fast. Secured by property equity, quick decisions. See if you qualify today.
- [Low doc loans](https://www.constructionfinance.online/low-doc-loans-for-tradies/): Low doc loans for tradies whose books are behind. Property secured loans need no financials or tax returns, and funds can land fast. Check your options today.
- [Equipment & ute funding](https://www.constructionfinance.online/equipment-finance-for-tradies/): Equipment finance for tradies using a fast business loan. Buy tools, plant, machinery or a ute from a dealer, auction or private sale. See if you qualify.
- [Private lender for builders](https://www.constructionfinance.online/private-lender-for-builders/): Need a private lender for builders? Fast short term loans secured by existing property, no financials needed, bad credit considered. See if you qualify today.
- [Progress payment gap finance](https://www.constructionfinance.online/progress-payment-gap-finance/): Progress payment gap finance keeps wages and suppliers paid while you wait on progress claims, retention or slow payers. Fast answers. See if you qualify.
- [Same day business loans](https://www.constructionfinance.online/same-day-business-loans-for-tradies/): Same day business loans for tradies: fast decisions, some unsecured loans funded the same day, property loans in as little as 24 hours. Check your options.
- [Short term construction finance](https://www.constructionfinance.online/short-term-construction-finance/): Short term construction finance for small builders and tradies. $20k to $5M over 1 to 12 months, secured on existing property. Check your options now.
- [Small commercial builds](https://www.constructionfinance.online/small-commercial-construction-finance/): Small commercial construction finance for an office, warehouse, factory unit or shed. Secured by existing property equity, fast answers. Check your options.
- [Subcontractor finance](https://www.constructionfinance.online/subcontractor-finance/): Subcontractor finance for subbies waiting on builders to pay. Cover wages, materials and bills fast, with or without property. See if you qualify today.
- [Small subdivision finance](https://www.constructionfinance.online/small-subdivision-finance/): Small subdivision finance for 2 to 4 lot projects. Fund civil works, headworks and builds, secured on existing equity. See if you qualify in 60 seconds.
- [Urgent business loans](https://www.constructionfinance.online/urgent-business-loans-construction/): Urgent business loans for construction companies and tradies. Fast decisions, property loans in as little as 24 hours. Check your options in 60 seconds.
- [Urgent construction finance](https://www.constructionfinance.online/urgent-construction-finance/): Urgent construction finance when a build can't wait. $20k to $5M secured on existing property, some funded in 24 hours. See if you qualify in 60 seconds.
- [Working capital](https://www.constructionfinance.online/working-capital-for-construction-companies/): Working capital for construction companies and small builders. Fund wages, materials and claim gaps as you grow, with or without property. See if you qualify.

## Finance by trade
- [Finance for bricklayers](https://www.constructionfinance.online/trades/finance-for-bricklayers/): Finance for bricklayers to pay the gang, hire scaffold or buy a mixer and brick saw while builders pay. Loans $20,000 to $5 million. See if you qualify today.
- [Finance for cabinet makers and joiners](https://www.constructionfinance.online/trades/finance-for-cabinet-makers-joiners/): Finance for cabinet makers and joiners to buy a CNC or edgebander, board stock and hardware, or fund builder jobs. Fast business loans. Check in 60 seconds.
- [Finance for carpenters](https://www.constructionfinance.online/trades/finance-for-carpenters/): Finance for carpenters to cover timber, tools, crew wages or a bigger framing job. Loans from $20,000 to $5 million. See if you qualify in 60 seconds.
- [Finance for civil contractors](https://www.constructionfinance.online/trades/finance-for-civil-contractors/): Finance for civil contractors to cover plant, fuel, pipe and wages while head contractors and developers pay on long terms. Check your options in 60 seconds.
- [Finance for cladders](https://www.constructionfinance.online/trades/finance-for-cladders/): Finance for cladders to fund cladding orders, fixings, EWP hire and crew wages while you wait to be paid. Loans from $20,000. Check options in 60 seconds.
- [Finance for concreters](https://www.constructionfinance.online/trades/finance-for-concreters/): Finance for concreters to prepay premix, hire pumps, buy reo and ride out rain delays. Loans from $20,000 to $5 million. See if you qualify in 60 seconds.
- [Finance for demolition contractors](https://www.constructionfinance.online/trades/finance-for-demolition-contractors/): Finance for demolition contractors to cover tip fees, asbestos disposal, plant and wages before the job is paid. Fast business loans. Check in 60 seconds.
- [Finance for earthmoving and excavation](https://www.constructionfinance.online/trades/finance-for-earthmoving-excavation/): Finance for earthmoving and excavation contractors to cover machine repairs, attachments, fuel and operator wages. Loans from $20,000. Apply in 60 seconds.
- [Finance for electricians](https://www.constructionfinance.online/trades/finance-for-electricians/): Finance for electricians to cover cable, switchboards, test gear and apprentice wages while builders pay. Loans $20,000 to $5 million. Apply in 60 seconds.
- [Finance for air conditioning and hvac installers](https://www.constructionfinance.online/trades/finance-for-air-conditioning-hvac/): Finance for air conditioning and HVAC businesses to buy unit stock before summer and fund install crews and vans. Fast business loans. Check in 60 seconds.
- [Finance for fencing contractors](https://www.constructionfinance.online/trades/finance-for-fencing-contractors/): Finance for fencing contractors to cover Colorbond, glass and post stock, a ute or a big estate contract. Secured and unsecured loans. Check in 60 seconds.
- [Finance for flooring installers](https://www.constructionfinance.online/trades/finance-for-flooring-installers/): Finance for flooring installers to buy timber, hybrid and vinyl stock, sanders and grinders, or carry builder jobs. Fast business loans. Check in 60 seconds.
- [Finance for formworkers](https://www.constructionfinance.online/trades/finance-for-formworkers/): Finance for formworkers to buy ply, props and deck systems, pay crews and wait out progress claims and retention. Fast business loans. Check in 60 seconds.
- [Finance for handymen and maintenance businesses](https://www.constructionfinance.online/trades/finance-for-handymen-maintenance/): Finance for handymen and property maintenance businesses to buy a ute or van, tools, hire staff or clear the ATO. Fast business loans. Check in 60 seconds.
- [Finance for glaziers and window installers](https://www.constructionfinance.online/trades/finance-for-glaziers-window-installers/): Finance for glaziers and window installers to pay glass and frame deposits, fund a glass van and cover wages through lead times. Apply in 60 seconds.
- [Finance for insulation installers](https://www.constructionfinance.online/trades/finance-for-insulation-installers/): Finance for insulation installers to buy batts and blow in stock, fit out a truck and pay crews in busy seasons. Loans from $20,000. See if you qualify today.
- [Finance for painters](https://www.constructionfinance.online/trades/finance-for-painters/): Finance for painters to cover paint, spray rigs, access gear and crew wages while builders and strata managers pay. Loans from $20,000. Apply in 60 seconds.
- [Finance for plasterers](https://www.constructionfinance.online/trades/finance-for-plasterers/): Finance for plasterers to buy plasterboard and compound in bulk, fund a truck and pay fixers and setters on time. Loans from $20,000. Apply in 60 seconds.
- [Finance for kitchen and bathroom renovators](https://www.constructionfinance.online/trades/finance-for-kitchen-bathroom-renovators/): Finance for kitchen and bathroom renovators to fund cabinetry, stone, fixtures and trades between client payments. Fast business loans. Check in 60 seconds.
- [Finance for landscapers](https://www.constructionfinance.online/trades/finance-for-landscapers/): Finance for landscapers to buy pavers, sleepers and turf, fund a skid steer or tipper and ride out quiet months. Loans from $20,000. Apply in 60 seconds.
- [Finance for plumbers](https://www.constructionfinance.online/trades/finance-for-plumbers/): Finance for plumbers to cover stock, vans, drain gear, apprentice wages or an ATO debt. Loans from $20,000 to $5 million. Check your options in 60 seconds.
- [Finance for pool builders](https://www.constructionfinance.online/trades/finance-for-pool-builders/): Finance for pool builders to cover excavation, shells, steel and equipment ahead of staged client payments. Fast business loans. Check in 60 seconds.
- [Finance for renderers](https://www.constructionfinance.online/trades/finance-for-renderers/): Finance for renderers to cover scaffold hire, render stock, spray rigs and wages through rain delays and slow payers. Fast loans. Check in 60 seconds.
- [Finance for roof plumbers](https://www.constructionfinance.online/trades/finance-for-roof-plumbers/): Finance for roof plumbers to buy sheeting and gutter stock, a folder or crane truck, and cover hire and slow payers. Fast business loans. Check in 60 seconds.
- [Finance for roofers](https://www.constructionfinance.online/trades/finance-for-roofers/): Finance for roofers to cover Colorbond and tile orders, scaffold, crew wages and storm season surges. Loans from $20,000 to $5 million. Apply in 60 seconds.
- [Finance for scaffolders](https://www.constructionfinance.online/trades/finance-for-scaffolders/): Finance for scaffolders to buy hire stock or a crane truck and fund crews while builders pay monthly. Fast secured and unsecured loans. Check in 60 seconds.
- [Finance for small builders](https://www.constructionfinance.online/trades/finance-for-small-builders/): Finance for small builders who need an urgent top up to pay subbies and suppliers, clear the ATO or finish a build. Fast business loans. Check in 60 seconds.
- [Finance for solar installers](https://www.constructionfinance.online/trades/finance-for-solar-installers/): Finance for solar installers to buy panels, inverters and batteries and bridge STC and rebate lags. Loans from $20,000. See if you qualify in 60 seconds.
- [Finance for steel fabricators and welders](https://www.constructionfinance.online/trades/finance-for-steel-fabricators-welders/): Finance for steel fabricators and welders to fund big steel orders, galvanising, machinery and wages. Secured and unsecured loans. Check in 60 seconds.
- [Finance for tilers](https://www.constructionfinance.online/trades/finance-for-tilers/): Finance for tilers to pay tile deposits, adhesive and waterproofing stock, wet saws and wages while jobs get paid. Loans from $20,000. Apply in 60 seconds.
- [Finance for arborists and tree removal](https://www.constructionfinance.online/trades/finance-for-tree-removal-arborists/): Finance for arborists and tree removal businesses to buy stump grinders, chippers or an EWP and handle storm surges. Loans from $20,000. Apply in 60 seconds.
- [Finance for waterproofers](https://www.constructionfinance.online/trades/finance-for-waterproofers/): Finance for waterproofers to fund membrane stock, crews and remedial jobs while builders pay on their terms. Secured and unsecured loans. Check in 60 seconds.

## Guides
- [Building approvals and demand in 2026: what it means for tradies](https://www.constructionfinance.online/guides/building-approvals-and-demand-2026/): Building approvals in 2026: the latest ABS and housing target data, and what it means for tradie workloads and cash flow. Plan ahead and check your options.
- [Buying building materials in bulk: when it pays and how to fund it](https://www.constructionfinance.online/guides/buying-building-materials-in-bulk/): Buying building materials in bulk can lock in prices and keep jobs moving. Learn when it pays, what to watch and how to fund it fast. Check your options.
- [Christmas shutdown cash flow: how tradies get through the break](https://www.constructionfinance.online/guides/christmas-shutdown-cash-flow-tradies/): Christmas shutdown cash flow for tradies: plan for holiday wages, slow payers and BAS before the break. A practical checklist plus fast funding options.
- [Bridging finance explained for builders and tradies](https://www.constructionfinance.online/guides/bridging-finance-explained-for-builders/): Bridging finance explained for builders: how a business bridging loan works, open vs closed bridging, common uses and what lenders look for. Check options.
- [Construction insolvency in Australia 2026: what the data says and how to stay liquid](https://www.constructionfinance.online/guides/construction-insolvency-australia-2026/): Construction insolvency in Australia 2026: the latest ASIC figures, why builders fail and practical ways to keep your business liquid. Check your options.
- [Construction loan documents checklist: what builders and tradies need](https://www.constructionfinance.online/guides/construction-loan-documents-checklist/): Construction loan documents checklist for builders and tradies: exactly what to send for property secured and unsecured loans to get funded faster. Apply now.
- [Equipment finance vs a business loan: which is better for tradies?](https://www.constructionfinance.online/guides/equipment-finance-vs-business-loan/): Equipment finance vs a business loan: which is better for buying a ute, excavator or tools? Compare speed, flexibility and paperwork, then check your options.
- [How to finish a stalled build: a step by step plan for builders](https://www.constructionfinance.online/guides/finishing-a-stalled-build/): Build stalled or over budget? Learn how builders get a true cost to complete, restart trades and fund the shortfall fast with existing equity. Check options.
- [Exit strategy for a short term loan: how builders plan the repayment](https://www.constructionfinance.online/guides/exit-strategy-short-term-loan/): What is an exit strategy for a short term loan? See the common exits for builders, how to prove yours and what to do if it runs late. Check your options.
- [The bank said no to your construction finance. Here's what to do next.](https://www.constructionfinance.online/guides/bank-said-no-construction-finance/): Bank said no to your construction finance? Find out why banks decline builders, what to fix and how private lenders fund fast on existing equity. Apply now.
- [How a second mortgage works for tradies and builders](https://www.constructionfinance.online/guides/how-a-second-mortgage-works/): How a second mortgage works: using equity in property you already own to fund your business fast, step by step, with no financials needed. Check your options.
- [How to fund a 4 lot subdivision as a small builder](https://www.constructionfinance.online/guides/funding-a-4-lot-subdivision/): Funding a 4 lot subdivision? See the stages, where the money goes and how small builders use equity to cover land, civil works and gaps. Check your options.
- [How to pay an ATO debt fast: a practical guide for tradies](https://www.constructionfinance.online/guides/how-to-pay-an-ato-debt-fast-tradies/): How to pay an ATO debt fast as a tradie: payment plans vs a business loan, what the ATO allows online and how to clear it in one hit. Check your options.
- [Low doc vs full doc loans: which one suits a tradie?](https://www.constructionfinance.online/guides/low-doc-vs-full-doc-loans/): Low doc vs full doc loans for tradies: what paperwork each needs, how fast they fund and which suits your business. See if you qualify in 60 seconds.
- [Progress payments and cash flow gaps: how builders and subbies stay afloat](https://www.constructionfinance.online/guides/progress-payments-cash-flow-gaps/): Progress payments leaving a cash flow gap? Learn why it happens, how security of payment rules help and how builders and subbies bridge it fast. Apply today.
- [Second mortgage vs caveat loan: which one suits your business?](https://www.constructionfinance.online/guides/second-mortgage-vs-caveat-loan/): Second mortgage vs caveat loan explained for builders and tradies: how each works, where they're available and which is faster. Check your options today.
- [Unsecured vs secured business loans: which is right for your trade business?](https://www.constructionfinance.online/guides/unsecured-vs-secured-business-loans-tradies/): Unsecured vs secured business loans for tradies: compare security, speed, paperwork and loan size to pick the right fit. See if you qualify in 60 seconds.
- [Security of payment claims: how tradies use them to protect cash flow](https://www.constructionfinance.online/guides/security-of-payment-claims-and-cash-flow/): Security of payment claims explained for tradies: how payment claims, schedules and adjudication work, and how to protect cash flow while you wait to be paid.
- [Using home equity for business: a practical guide for tradies](https://www.constructionfinance.online/guides/using-home-equity-for-business-tradies/): Using home equity for business lets tradies borrow fast against property they already own, no financials needed. Learn the options, risks and how it works.
- [How fast can a tradie get a business loan?](https://www.constructionfinance.online/guides/how-fast-can-a-tradie-get-a-business-loan/): How fast can a tradie get a business loan? Unsecured loans can fund within hours, property loans in as little as 24 hours. See what speeds it up and apply.