Business finance
Business Loans For Builders
Working capital, equipment, and growth finance for builders — matched to your revenue and time trading, not a generic credit score.
Trusted by 1,200+
Australian trades
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Local support team
Vetted partners only
How it works
Matched to the right lender in minutes
Tell us what you need
A few details about your business and what the finance is for. Takes under a minute.
We match you
We line you up with the right vetted lender for builders and your situation — no guesswork.
Get funded
Your lender takes it from there — approval and funds, sorted.
What you get
Built around your business
- Finance for tools, vehicles, and equipment without draining your working cash.
- Cash-flow cover for the gap between quoting a job and getting paid.
- One application a broker runs across lenders that fund trades — no chasing paperwork.
How it works
Simple next steps
- 1Tell us what you need to buy or fund and how long you have been trading.
- 2We match it to lenders who understand callout-and-quote cash flow.
- 3You compare offers and proceed only if one fits.
Important note
Good to know
No lock-in and no obligation. We only connect you with a partner if it genuinely helps — you decide whether to proceed.
Business finance
Financing for Builders
Builders most often need finance to bridge the gap between paying trades and suppliers and receiving the next progress claim. Deposits, materials and subbie payments go out steadily; client money arrives in stages — so working-capital finance keeps the program moving when a claim is still weeks away. A position around $70,000 is common once you add vehicles, site gear and the cash buffer a multi-job builder carries.
Cockatoo helps you understand your borrowing position and matches you to the right finance partner — whether that's a working-capital facility to smooth progress claims or finance for the utes, tools and site setup your business runs on.
Common questions
Builders — business loan questions
Can finance bridge the gap between progress claims?
Yes — that's exactly what working-capital finance is for. It covers the materials, deposits and subbie payments you make now so you're not stalled waiting on the next stage claim. For a builder juggling several jobs, a buffer around the $70,000 mark is a common starting point, though your own numbers should set it.
Can I finance vehicles and site equipment?
Yes. Utes, trailers, site sheds, scaffolding and tools are commonly funded through equipment finance, spreading the cost rather than draining cash you need for live jobs. Cockatoo helps you weigh the options and connects you with a lender that understands the building game.
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