Business finance
Business Loans For Trade Suppliers
Working capital, equipment, and growth finance for trade suppliers — 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 trade suppliers 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 fit-out, equipment, and stock without draining the till.
- Cash-flow cover for quiet seasons and the lead-up to busy periods.
- One application across lenders that understand retail and hospitality trade.
How it works
Simple next steps
- 1Tell us what you need to fund and your trading history.
- 2We match it to lenders comfortable with seasonal, foot-traffic revenue.
- 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 Trade Suppliers
Trade suppliers need cash to hold stock and carry the trade. Restocking fixings and tools, bringing in a deal on consumables, or funding the 30-day accounts your tradies rely on can easily reach the ~$50,000 mark, and that money goes out before the trade pays. A working-capital line lets you keep the fast movers on the shelf, fund trade accounts, and ride out the quiet wet-season weeks without thinning the range.
Common questions
Trade Suppliers — business loan questions
Can I finance a bulk stock buy?
Yes. Many trade suppliers use a working-capital facility to take advantage of supplier deals and stock up before the busy building months, then repay as the stock sells. Cockatoo helps match you to a lender that understands trade-supply stock cycles.
Will carrying trade accounts affect my borrowing?
Lenders expect a trade supplier to carry receivables from accounts. Showing steady repeat volume and disciplined credit control generally supports an application rather than working against it.
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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.