Business finance
Business Loans For Civil Contractors
Working capital, equipment, and growth finance for civil contractors — 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 civil contractors and your situation — no guesswork.
Get funded
Your lender takes it from there — approval and funds, sorted.
What you get
Built around your business
- Asset and equipment finance sized to major purchases, not a generic limit.
- Structures that match repayments to the revenue the asset generates.
- One application across lenders that fund large equipment outlays.
How it works
Simple next steps
- 1Tell us the asset, the amount, and how long you've been trading.
- 2We match it to lenders that finance high-value equipment.
- 3You compare the structures 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 Civil Contractors
Civil contracting is capital-hungry. An excavator, dozer, grader, tip truck or float can run well past the ~$120,000 mark, and a single mobilisation ties up wages, fuel and materials before the first claim is paid. Equipment finance lets you add or replace plant without draining cash, while a working-capital line bridges the gap between mobilisation and progress payments so a slow-paying head contractor never stalls the next job.
Common questions
Civil Contractors — business loan questions
Can I finance plant and working capital together?
Often yes. Machines go on equipment finance, while a separate working-capital or invoice facility covers the gap between progress claims. Cockatoo helps match you to a lender that understands plant-heavy civil work.
Can finance help while I wait on progress claims?
Yes. Working-capital and invoice finance are built for the lag between doing the work and being paid, so retentions and slow head contractors do not stall your cash flow. Showing your contract pipeline usually helps the application.
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Get matched to the right lender
Tell us what you need and we'll match you to the right partner — free, no lock-in, under a minute.