Tiling is precise, physical work, and it comes with a cash flow problem most people outside the trade never see. Clients choose tiles months in advance, suppliers want deposits, and the tiles often arrive right when three other jobs are also waiting. Then the bathroom can’t be finished until the plumber fits off and the shower screen goes in, so your final payment waits too. Fast tiling business loans help you carry the costs without running the business on fumes.
Why tilers need fast finance
Deposits on tile orders. Imported, large format and designer tiles often need a deposit or full payment at order, sometimes weeks before you’ll lay them.
Adhesives, grout and waterproofing. These are consumed on every job and bought constantly. Supplier accounts fill up quickly on a busy month.
Waiting on other trades. You can’t finish until the waterproofing is inspected, the plumber has roughed in and the screen or vanity is ready. Delays elsewhere push back your final claim.
Renovation clients pay in stages. Kitchen and bathroom renovation work usually pays a deposit, progress and completion payment, so you’re funding the middle of the job.
Builder terms. On new builds, tiling claims are often paid 30 days or more after approval.
What tilers use business loans for
- Deposits and full payment on tile orders
- Adhesive, grout, waterproofing membranes and screed materials in bulk
- Wet saws, rail cutters, mixers and levelling systems
- A new van, ute or trailer
- Wages for tilers and apprentices
- Paying an ATO debt
- Taking on multi unit or commercial tiling contracts
For big material orders, our building materials finance page explains the options, and our guide on buying building materials in bulk covers when it makes sense.
Secured loans for tilers who own property
If you own a home, an investment property or land with equity, you can use it to secure a fast loan. A fast second mortgage is the most common option. If the property is owned outright, a fast first mortgage is simpler. A business bridging loan works if you’re waiting on a sale or refinance. In Victoria, caveat loans are also available.
No financials are needed, bad credit is considered and terms are typically 1 to 12 months. Some loans are funded in as little as 24 hours.
Unsecured loans for tiling businesses
If you rent, an unsecured cash flow loan may suit. You’ll need an ABN, 6+ months of trading and recent business bank statements. The loan is based on turnover, and some are approved within hours. If your paperwork is light, see low doc loans for tradies.
Paying an ATO debt
A tiler’s income can be lumpy, especially with renovation work, and a BAS bill can land at a bad time. A fast loan can clear the ATO balance in one payment. Chat with your accountant about the tax side.
Buying tools and a vehicle
Good cutting gear and a levelling system make a real difference to speed and finish. A fast business loan means you can upgrade now rather than saving for months.
Taking on bigger tiling jobs
Tiling bathrooms, laundries and balconies across a set of townhouses or a small apartment building means big orders and extra hands, and the claims come later. A fast loan lets you take the job and deliver without stress.
Example: a tiler with a big tile order due
Hypothetical example. A tiler in Newcastle wins a job tiling bathrooms and alfrescos for six townhouses. The builder has specified an imported tile that needs $35,000 paid at order, and he’s also owed $30,000 on a renovation job that’s waiting on a shower screen. He owns his unit outright. A fast first mortgage of $60,000 over four months covers the order and wages, and he repays as claims come in.
What to have ready
- Photo ID and ABN
- Details of the property you’ll use as security
- Business bank statements for an unsecured loan
- The job details and how you’ll repay
Key facts: tiler business loans
- Borrow: $20,000 to $5 million
- Security: home, investment property, land, or unsecured with 6+ months of trading
- Speed: as little as 24 hours for some property loans
- Term: property secured loans typically 1 to 12 months
- Suits: wall and floor tilers, bathroom specialists, commercial tilers and stone layers
- Pricing: every loan priced on your circumstances at the sharpest rate available for your situation
These loans are for business purposes. Start your application in about 60 seconds and a lending specialist will call you back.
