Business loans for construction
Your project is profitable.
Your bank account isn't.
Construction finance for Australian builders, contractors, and subcontractors who understand progress claim cycles better than any bank ever will.
Apply now
2 minutes · No credit check · Free
Overview
Why construction businesses choose Avoir
Construction is the only industry where you can have a full forward order book, active sites running, and not enough in the account to cover Friday's wages. The money is there — it's sitting in an uncertified progress claim, locked in a retention schedule, or waiting on a 45-day payment term that runs to exactly day 45. Banks see a P&L with irregular deposits and call it risk. Our lending network sees a construction business operating exactly as the industry operates.
Lenders in our network assess construction businesses on their project pipeline, claim history, and current cash position — not just whether last month's statement looks tidy. Whether you're a sole trader builder, a specialist subcontractor carrying labour costs between contracts, or a commercial contractor with a strong backlog and a temporarily empty account, Avoir can match you to a lender who understands project-based finance.
Key features
Progress claim bridging
Submit your claim, wait for certification, wait 30 more days for payment — or access the funds now. Working capital finance sized to your certified claim value so you can keep the site running while the paperwork moves.
Subcontractor payment obligations
Your subbies have their own payment terms, their own staff, and their own suppliers to pay. Under the Security of Payment Act you have obligations even when your head contractor hasn't paid you. Finance your downstream obligations without disrupting site relationships.
Mobilisation and contract start-up
Win a tender and need to mobilise before the first claim is even submittable. Temporary works, site establishment, plant mobilisation, material deposits — fund the first 4–6 weeks of a new contract before revenue starts flowing.
Retention gap finance
5% retention held until practical completion. Another 2.5% held through the defects liability period. That's real money sitting in someone else's account for 12–24 months. Bridge the working capital gap while you wait for retention release.
Plant, equipment, and materials
Win a contract that requires equipment you don't own. Bulk-buy materials before prices move. Cover a hire fleet bill before the claim lands. Finance specific project costs without tying up your working capital facility.
All licence classes and contract types
Owner builders, residential builders, commercial contractors, civil and infrastructure, subcontractors, project managers, labour hire, and construction supply. All states and territories. Licensed and unlicensed trades.
Eligibility
Do I qualify?
Construction bank statements don't look like other industries — and the lenders in our network know that. Irregular deposits tied to claim milestones, extended quiet periods between projects, large outflows that don't match the timing of income. You won't be assessed against a standard monthly revenue model. Most construction businesses with 12+ months of trading history will be eligible to apply. A specialist will review your profile and advise you on the options available.
Process
How it works
Apply in 2 minutes
Complete our short online form with basic details about your business and what you need. No credit check, no documents required at this stage.
We match your profile
Your enquiry is assessed and matched to the most suitable lending partners in our network based on your business profile, loan amount, and purpose.
Receive your offer
A specialist contacts you within 2 hours with tailored options. They will walk you through available terms and answer any questions.
Funds in your account
Once you accept an offer and provide the lender's required documentation, funds are typically transferred within 24 hours.
FAQ
Common questions
Everything you need to know about getting a business loan. Can't find the answer you're looking for? Apply and a specialist will answer your questions directly.
Apply now →My bank statement looks terrible because I'm between progress claims. Will lenders still consider me?
Yes. This is the single most common situation construction businesses bring to Avoir. Non-bank lenders who understand project-based work assess your trading pattern over 3–6 months — not just the last 4 weeks. If you have a track record of projects and claims, a quiet bank statement between milestones won't disqualify you.
Can I get finance to pay subbies while I wait for my head contractor to certify my claim?
Yes. This is exactly what working capital finance is for. Your obligation to pay downstream subcontractors exists regardless of when the head contractor pays you — and the Security of Payment Act means disputes can get expensive fast. Accessing working capital to meet your payment obligations while your claim moves through the certification process is one of the most common uses of construction finance.
I've won a new contract but can't mobilise without upfront cash. Can Avoir help?
Yes. Contract start-up and mobilisation finance — covering site establishment, plant, material deposits, and initial labour costs before your first claim is submittable — is available through our network. The lender will want to see the contract or letter of intent confirming the work.
I'm a subcontractor, not a head contractor. Does that matter?
Not at all. Subcontractors — particularly those in trades like electrical, mechanical, plumbing, formwork, steel fixing, and finishing — often have the most acute cash flow pressure because they're furthest down the payment chain. Avoir has lenders who specifically understand and accommodate subcontractor revenue profiles.
Do I need property as security?
No. All finance through Avoir's construction network is unsecured — assessed on your business bank statements, trading history, and project revenue. You do not need to offer residential or commercial property as collateral.
How fast can I access funds?
Applications are assessed within 2 hours on business days. Most construction businesses have funds in their account within 24 hours of approval. If you need to cover a payment obligation before end of week, apply before 2pm.
I have some defaults from a difficult project two years ago. Can I still apply?
Possibly yes. Construction businesses are more likely than most to have had a difficult period tied to a specific project — disputed claims, a client insolvency, or a variation dispute that went unresolved. Lenders in our network assess adverse credit in context. Older, resolved defaults from a single incident are treated differently to a pattern of non-payment. Apply and a specialist will advise you on your options.
Related pages
Ready to apply?
Don't let a 30-day certification window stall a profitable project.
Two minutes to apply. No credit check. A lending specialist who understands construction will be in touch within two hours.
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2 MIN APPLICATION