Business finance
Business Loans For Patio Builders
Working capital, equipment, and growth finance for patio 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 patio 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 Patio Builders
Patio building runs on tools and transport — concrete and post-hole gear, saws, fixing tools, scaffold or access equipment, and a reliable ute or truck and trailer to cart steel and roofing to site. When a job needs more capacity or a key tool fails mid-build, funding it out of cash flow is tough while you are fronting materials and waiting on approvals and final payments.
Most patio builders look at finance in the ~$70,000 ballpark to add or replace equipment, buy a vehicle, or carry materials and wages through a busy run before invoices land. Cockatoo helps match you to a lender who understands trade and construction equipment and the seasonal, approval-dependent cash flow of outdoor building work.
Common questions
Patio Builders — business loan questions
Can I finance tools or a work ute and trailer?
Yes. Trade tools, vehicles and trailers suit equipment finance well, with the asset itself often supporting the loan. Cockatoo helps match you to a lender comfortable with construction gear so you can add capacity for the spring rush without draining your cash.
How much finance does a patio building business usually need?
It varies with the work, but many builders look at around the ~$70,000 mark to buy equipment or cover materials and wages between progress payments. Keeping an equipment loan separate from a working-capital line keeps both repayments manageable.
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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.