Built around how you trade
Business Loans by Industry
Every industry earns and spends on its own rhythm. Find yours to see how lenders read it, what the money usually goes on and what to have ready.
A cafe, a civil contractor and a dental practice can all turn over the same amount and still need completely different funding. The cafe banks cash daily and buys stock weekly. The contractor waits on progress claims. The practice spends big on equipment and earns it back appointment by appointment. Lenders know this, and the best results come from presenting your business in the way your industry actually works.
Each industry page covers how money moves through that type of business, the most common reasons owners look for funding, what a lender will want to see in the bank statements and which products tend to suit. We also flag the timing traps particular to each industry, such as harvest cycles, school holidays, end-of-financial-year rushes and long debtor days.
Do not see your industry? Most trading Australian businesses with an active ABN can still be considered. Start an enquiry and tell us what you do.
Ready now? Start a 60-second enquiry and our team will read it properly before anyone calls.
Jump to your industry
Find how your business trades
- Trades and construction
- Earthmoving and civil
- Transport and logistics
- Agriculture and farming
- Cafes and restaurants
- Food trucks and catering
- Retail shops
- Ecommerce and online stores
- Wholesale and distribution
- Mechanics and automotive
- Cleaning businesses
- Manufacturing and fabrication
- Allied health clinics
- Dental practices
- Medical and GP clinics
- Hair and beauty salons
- Gyms and fitness studios
- Professional services
- Real estate agencies
- IT and tech services
Trades, industry and the land
Businesses that run on jobs, loads, orders and seasons.
Trades and construction
Fast business funding for tradies, builders and construction businesses: materials, wages between progress claims, tools and tax. Unsecured from $5k to $500k.
Read more →Earthmoving and civil
Business funding for earthmoving, excavation and civil contractors: machinery repairs, fuel, wages on long projects and slow claims. Fast decisions.
Read more →Transport and logistics
Business funding for transport, freight, courier and logistics operators: fuel, repairs, rego, drivers' wages and slow-paying customers. Fast and flexible.
Read more →Agriculture and farming
Cash flow funding for Australian farmers, graziers and agribusinesses: seasonal inputs, feed, repairs and harvest timing. How lenders read farm income.
Read more →Mechanics and automotive
Business funding for mechanics, auto electricians, panel beaters and tyre shops: diagnostic equipment, hoists, parts and slow-paying fleet or insurer accounts.
Read more →Cleaning businesses
Funding for commercial and residential cleaning businesses: weekly wages before monthly invoices, equipment, vehicles and new contracts. Fast options explained.
Read more →Manufacturing and fabrication
Funding for manufacturers, fabricators, joiners and engineering workshops: raw materials, machinery, large orders and customers on trade terms.
Read more →Food, retail and online
Stock-heavy businesses with daily takings.
Cafes and restaurants
Fast business funding for cafes and restaurants: coffee machines, kitchen repairs, fit-outs, stock and staff. Assessed on your daily takings.
Read more →Food trucks and catering
Business funding for food trucks, mobile vendors and caterers: equipment, vehicle repairs, event stock and staff before corporate clients pay.
Read more →Retail shops
Fast business funding for Australian retail shops: seasonal stock, fit-outs, POS upgrades and quiet-month cash flow, assessed on your daily takings.
Read more →Ecommerce and online stores
Business funding for Australian online stores and ecommerce brands: inventory, ad spend, marketplace settlement delays. Assessed on gateway settlements.
Read more →Wholesale and distribution
Funding for wholesalers and distributors: stock before it sells, trade customers on 30 to 60-day terms and new accounts that stretch working capital.
Read more →Health, services and everything else
Clinics, salons, gyms, professionals, agencies and tech.
Allied health clinics
Funding for physiotherapy, chiropractic, podiatry, psychology and other allied health clinics: fit-outs, equipment, new practitioners and cash flow.
Read more →Dental practices
Funding for dental practices: new chairs, imaging equipment, fit-outs, extra surgeries and cash flow. Unsecured options assessed on your practice's trading.
Read more →Medical and GP clinics
Funding for GP clinics and medical practices: fit-outs, consulting rooms, equipment, systems and growth. Unsecured options assessed on practice trading.
Read more →Hair and beauty salons
Funding for hair salons, barbers, beauty and nail salons: fit-outs, chairs, treatment equipment, retail stock and new staff. Assessed on your daily takings.
Read more →Gyms and fitness studios
Funding for gyms, fitness studios, pilates, yoga and CrossFit boxes: equipment, fit-outs, recovery rooms and growth. Assessed on membership direct debits.
Read more →Professional services
Funding for accountants, consultants, engineers, architects and agencies: wages before invoices are paid, work in progress, hiring and office fit-outs.
Read more →Real estate agencies
Funding for real estate agencies and property managers: wages and marketing while commissions wait on settlement, office fit-outs and rent roll growth.
Read more →IT and tech services
Funding for IT managed service providers, software developers and tech consultancies: salaries before invoices, project work, hardware and growth.
Read more →Calculators for this topic
Cash Flow Gap Calculator
Twelve weeks of money in and money out. Find the lowest point, the week it hits and the size of the gap.
Open the calculator →Working Capital Calculator
Debtor days, stock days and creditor days into one cash cycle, and the working capital it ties up.
Open the calculator →Break-Even Calculator
Fixed costs and margin into the sales you need each month, plus how long new funding takes to pay its way.
Open the calculator →No credit check to enquire
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