Business finance
Business Loans For Building and Home Renovators
Working capital, equipment, and growth finance for building and home renovators — matched to your revenue and time trading, not a generic credit score.
Trusted by 1,200+
Australian trades
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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 building and home renovators 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 Building and Home Renovators
Renovation builders most often need finance to cover materials and trades before staged client payments land, and to fund the inevitable surprises an old house throws up. Variations, rot and rewires all cost money before they're billed, so a working-capital buffer keeps the job moving. A position around $70,000 is common once you add the utes, tools and site gear a renovating business runs on.
Cockatoo helps you understand your borrowing position and matches you to the right finance partner — whether that's working capital to bridge progress payments and variations, or equipment finance for vehicles and tools.
Common questions
Building and Home Renovators — business loan questions
Can finance cover variations and surprises on a reno?
Yes — working-capital finance is well suited to it. Renovations always uncover unbudgeted work, and a buffer means you can deal with the rot or rewire straight away rather than stalling while you wait to be paid for it. Many renovators sit comfortably around the $70,000 mark once materials and gear are included.
Can I finance the vehicles and tools my reno business needs?
Yes. Utes, trailers, tools and site equipment are commonly funded through equipment finance, spreading the cost over their working life instead of draining cash you need for live jobs. Cockatoo helps you weigh the options and connects you with a suitable lender.
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Tell us what you need and we'll match you to the right partner — free, no lock-in, under a minute.