Business Overdraft
A flexible limit attached to your business account that you draw on only when needed, which suits short, irregular gaps.
Cashflow Lending for Builders and Tradies
CASHFLOW LENDING FOR BUILDERS AND TRADIES
Cashflow Lending for Builders and Tradies in Australia
Running a trade business is never just the job on site. It is chasing invoices, paying suppliers and wages, and keeping enough back to pay yourself. When a client sits on a 30-day invoice while the next job needs materials now, the maths gets tight fast.
Cashflow lending for builders and tradies is built for that gap. It looks at your work pipeline and incoming payments, not just property or regular wages.
Ausfirst Lending Group works with trade businesses across the Sunshine Coast and Australia as a specialist cashflow finance adviser, matching short term funding to how your jobs actually pay.
01
Bridge the Gap
Cover costs while invoices and progress claims are still outstanding.
02
Keep Jobs Moving
Fund materials, wages and urgent business costs without stopping work.
03
Match Repayments
Structure funding around incoming client payments and job milestones.
01
Why Trade Cashflow Runs Tight
Picture a job half finished. You are waiting on the last progress claim, the supplier wants paying before the next delivery, and the client wants it done by Friday. Nothing has gone wrong. That is just how trade work gets paid.
Long payment terms and upfront costs leave busy businesses short, even with a full order book. Cashflow lending bridges that gap so the job keeps moving.
02
What Cashflow Lending Is
Cashflow lending is short term business funding based on your incoming work, invoices or revenue rather than a big asset to secure against. That makes it a fit for sole traders, subcontractors and Australian Business Number (ABN) holders who may not have property to offer as security, for small building companies juggling several jobs and progress claims at once, and for tradies with steady work booked but income that lands unevenly week to week. The lender is reading the strength and timing of the money coming in, not the value of your house or gear.
03
Types of Cashflow Finance for Tradies
Cashflow lending is a family of products, and the right one depends on how the gap shows up:
Line of Credit
A revolving facility you can redraw as you repay, useful when the same timing gap keeps coming back across jobs.
Invoice Finance
Funding advanced against invoices you have issued but not yet been paid for, so the cash arrives sooner than the client pays.
Unsecured Business Loan
A lump sum repaid over a set term without property security, priced higher for the added risk but quick to arrange.
04
What Cashflow Lending Covers
Most trade businesses reach for it at the same pressure points. It covers materials or supplier accounts before an earlier job has paid, and wages or subcontractors while a client payment is still weeks away. It funds the tool or vehicle that breaks down mid job and cannot wait, and it lets you take on a larger contract without scraping funds together to start. Used with a clear repayment plan, it also keeps personal credit cards and the home loan out of the business and smooths the quieter stretches, such as the wet season or the Christmas shutdown.
Where the paperwork is not ready, a low-doc business loan can cover the same gaps.
05
How Cashflow Lending Works
01
Review Incoming Income
The process is usually quicker and lighter on paperwork than a standard bank loan. A lender assesses your incoming income, such as upcoming invoices, contracts or service agreements, rather than asking for security over your home, ute or equipment.
02
Prepare the File
Once the file is ready, some lenders can approve and release funds promptly, often through specialist lenders rather than the major banks.
03
Match the Repayment
Repayments are then structured to line up with your progress payments or job milestones, so the aim is a short term boost that clears when your invoice does, not long term debt.
06
How Lenders Assess a Cashflow Application
A lender funding against your income rather than property looks closely at a few things:
PIPELINE
Incoming Work and Contracts
Signed contracts, purchase orders and a booked pipeline show the money is genuinely coming. The stronger the evidence, the more comfortable a lender is.
ACCOUNT CONDUCT
Bank Account Conduct
Recent business bank statements show how the account is run day to day, including any dishonours or overdrawn periods. Steady conduct supports the application.
COMMITMENTS
Existing Commitments
Current loans, leases and tax positions affect how much more a business can comfortably carry. A clear picture here speeds up the assessment.
REPAYMENT PLAN
Repayment Source
A lender wants to see where the repayments come from and when, ideally lined up with client payments. A realistic plan matters more than an optimistic one.
07
Benefits of Cashflow Lending
For the right business, cashflow lending does more than plug a hole. It brings working capital forward, often within one to two business days, and usually without property security, which keeps personal risk lower. Repayments can follow your client payment schedule rather than a fixed calendar.
RISKS TO WEIGH UP
Risks to Weigh Up
It is not a fit for every situation. Rates are usually higher than secured business finance, and because repayments lean on projected income, the forecast has to be realistic. Short terms mean you need confidence the incoming payment will land on time, and a patchy or unpredictable pipeline can turn the funding into extra pressure rather than relief. Borrowing more than the job can repay is the main trap, since it drags on cashflow later instead of easing it.
08
What You Need to Apply
You do not need a mountain of paperwork, but lenders want to see real work coming in:
- Active ABN, plus goods and services tax (GST) registration if you are over the threshold
- Proof of income such as recent invoices, signed contracts or job schedules
- Business bank statements, usually the last three to six months
- Business activity statements (BAS) or tax documents that confirm earnings
- Short cashflow forecast showing upcoming jobs and expected payments
As a general guide only. Requirements, rates and terms vary by lender and your circumstances.
09
Is Cashflow Lending Right for You
You do not need to be in a crisis for it to make sense. A few honest questions help:
- Are you turning down work because you cannot cover the upfront costs?
- Do payments land weeks or months after the job is done?
- Is your income steady overall but bumpy week to week?
- Do you want to grow without putting your house or ute on the line?
A yes to any of these is a good reason to look at your options.
CASHFLOW LENDING FOR TRADIES
Get Cashflow Funding Sorted
You built the business with your own hands. A timing gap should not be what stops you taking the next job or paying the team.
Tell Ausfirst Lending Group what you are funding, when you need it and what the pipeline looks like, and we can compare the options.
CASHFLOW LENDING FOR BUILDERS AND TRADIES
Frequently Asked Questions (FAQs)
Often, yes. Banks struggle with the lumpy income of trade work. Ausfirst Lending Group works with specialist lenders that assess your upcoming jobs and contracts, not just past financials, so a business that looks uneven on paper may still have options.
You might be. Overdue invoices or Australian Taxation Office (ATO) debt do not automatically rule you out. With steady work booked, your position can often be presented in a way that gives a lender confidence, and the funding can sometimes tidy up the cash position.
It can be quick. Some lenders approve and release funds once the paperwork is ready, though timing varies by lender. Getting your documents and a clear forecast together early is what speeds it up.
It depends on how it is used. With upcoming jobs, clear client terms and a realistic repayment plan, it is a useful tool. The risk comes from borrowing against income that may arrive late.
A single lender only sees its own product. Ausfirst Lending Group compares options across specialist lenders and packages the application to show the strength of your pipeline.
This page provides general information only. It does not consider your objectives, financial situation or needs and is not financial, tax or legal advice. Lending is subject to lender criteria, terms, conditions and eligibility. Speak with a qualified accountant, solicitor or finance professional before making tax, legal or business decisions.
What Our Clients Say
You Are Looked After By Someone Who Treats As His Own.
What Makes Ausfirst Lending Group Different?
Managing cash flow is essential for running a successful trade business. At Ausfirst Lending Group, we take the time to understand your business operations, income cycle, and financial goals to help you compare suitable cash flow lending solutions from our panel of lenders.
Whether you need additional working capital to cover day-to-day expenses, purchase materials, pay staff, manage seasonal fluctuations, or take on new projects, we provide personalised guidance throughout the lending process. We'll help you explore flexible finance options that can support your business while maintaining healthy cash flow.
Our goal is to make accessing business finance simple and efficient by providing clear advice, regular communication, and dedicated support from application through to settlement. Rather than offering a one-size-fits-all solution, we focus on helping you secure a cash flow lending option that aligns with your business needs and supports your long-term growth.
Whether you need additional working capital to cover day-to-day expenses, purchase materials, pay staff, manage seasonal fluctuations, or take on new projects, we provide personalised guidance throughout the lending process. We'll help you explore flexible finance options that can support your business while maintaining healthy cash flow.
Our goal is to make accessing business finance simple and efficient by providing clear advice, regular communication, and dedicated support from application through to settlement. Rather than offering a one-size-fits-all solution, we focus on helping you secure a cash flow lending option that aligns with your business needs and supports your long-term growth.
Visit Your Local Mortgage Broker on the Sunshine Coast
Whether you're buying your first home, refinancing, or exploring loan options through a trust or SMSF, we’re here to guide you every step of the way. As your trusted Mortgage Broker on the Sunshine Coast, we offer personalised advice tailored to your needs.
Office Hours
Monday
9 AM - 5 PM
Tuesday
9 AM - 5 PM
Wednesday
9 AM - 5 PM
Thursday
9 AM - 5 PM
Friday
9 AM - 5 PM
Location: Suite 3/74 Bulcock St, Caloundra QLD 4551
Explore Other Loan Solutions We Offer
We provide a wide range of lending options designed to suit different property goals, financial situations, and investment strategies. Whatever your needs, our team is here to guide you to the right loan solution.
Home Ownership Loans
For buyers and homeowners managing their own property needs.
First Home Loans
Get started on your homeownership journey with our first home loan options, crafted to help you secure your dream home.
Second Home Loans
Finance your next property with ease using our second home loan options.
Home Equity Loan
Leverage the equity in your home to unlock funds for renovation, investment, or other financial needs.
Refinancing
Review and enhance your current mortgage terms with our refinancing options, designed to save you money.
Changing Home Loans
Adapt your mortgage to suit your changing life circumstances with ease.
Bridging Loans
Bridge the gap between buying and selling with short-term loan solutions.
Investment Loans
Investment Loans
Explore our investment loan solutions designed to help you build and grow your property portfolio.
SMSF Loans
Utilise your self-managed super fund to invest in property with our specialised SMSF loan options.
Trust Loans
Secure funding for your trust's investment needs with our trust loan solutions, tailored for optimal outcomes.
Sophisticated Investor
Unlock exclusive lending opportunities tailored for sophisticated investors ready to scale.
Rentvesting
Live where you love and invest where it counts with our rentvesting strategies.
Holiday Home Loans
Own your dream holiday retreat with our tailored holiday home loan solutions.
Commercial & Construction Loans
Commercial Loans
Secure finance for your business property needs with our commercial loan options.
Construction Loans
Access funds in stages as construction progresses.
Property Improvement
Green Home Loans
Finance eco-friendly homes or upgrades with our green loan products.
Renovation Loans
Transform your property with renovation loans tailored for projects of any size.
Tailored Loan Solutions for Professionals Across All Industries
We provide tailored lending options for healthcare workers, educators, tradespeople, legal professionals, and business owners—designed to suit the way you earn and work.
LMI Waived Loans For Medical & Healthcare Professionals
At Ausfirst Lending Group, we understand that medical and healthcare professionals need more than just a loan—they need a lending partner who appreciates their unique journey. Whether you're a doctor, nurse, dentist, or allied health specialist, we provide tailored home loan solutions with personal guidance, LMI waivers, and flexible options that fit your career and lifestyle. With Richard’s 30+ years of hands-on broking experience, we ensure your loan process is managed with care, transparency, and expertise from start to finish
Home Loans for Doctors
Designed to accommodate complex income structures like private practice, hospital rosters, and ABNs.
Home Loans for Nurses
Flexible loan terms aligned with shift work schedules and frontline service benefits.
Home Loans For Chiropractor
Mortgage options that recognise the cash flow patterns of clinic-based professionals.
Home Loans For Dentists
Lending solutions tailored for high-earning professionals with private practice considerations.
Home Loans For Optometrists
Customised loans for optometrists balancing practice ownership and salaried roles.
Home Loans For Pharmacists
Designed to support pharmacists navigating retail, hospital, or business ownership income structures.
Home Loans For Physiotherapists
Tailored lending for physiotherapists in private clinics or mobile practices.
Home Loans For Psychologists
Loan programs suited to private practice psychologists and those in multidisciplinary clinics.
Education Professionals
Educators play a vital role in shaping future generations, and we’re here to ensure their home loan journey is just as rewarding. Whether you're a school teacher, early childhood educator, university lecturer, or support staff member, we offer home loan solutions designed to recognise your dedication to the community. From exclusive lending benefits to flexible loan structures, we simplify the process so you can focus on what you do best—teaching and supporting others.
Home Loans for Teachers
Mortgage solutions that support educators with steady incomes and eligibility for LMI waivers.
Law Enforcement & Legal Professionals
For those who serve and protect—whether in law enforcement, emergency services, legal professions, or defence—navigating the home loan process should be as straightforward as possible. We offer tailored mortgage solutions that acknowledge the unique demands of your profession, providing structured lending benefits, flexible options, and personalised support.
From police officers and firefighters to lawyers and defence personnel, we’re here to simplify your path to homeownership with solutions designed around your service.
Home Loans for Lawyers
Structured home loans for legal professionals with scalable borrowing capacity as careers progress.
Home Loans for Police Officers
Reliable mortgage options designed for law enforcement with steady service incomes and allowances.
Specialised Loan Solutions
LMI Waived Loans
Save thousands by avoiding Lenders Mortgage Insurance with our waived options and find out about our unique loan strategies.
Low-Deposit Home Loans
Tailored for self-employed professionals and business owners who may not have traditional income verification.
100% Offset Home Loans
Take advantage of a 100% Offset Home Loan to minimise the interest you pay by linking your savings directly to your mortgage.
Family Guarantee Home Loans
With a Family Guarantee Home Loan, your parents or close family members can help you enter the property market by using their home equity as security.
Our Service Process
Understand
We begin by understanding your unique goals and needs through an initial consultation (via phone, Zoom, or in person).
Gather
We gather key information to validate your financial situation and lay the foundation for the right loan strategy.
Analyse & Plan
We carefully review your options and craft a lending strategy tailored to your specific needs and objectives.
Apply
We prepare and submit your application to the lender, ensuring everything is in order.
Finalise
We manage the settlement process, keeping you informed every step of the way and making sure everything proceeds seamlessly.
Support
We provide continuous support and review, offering updated loan options as your needs evolve over time.
