Business loans for tradies
You've done the work.
Now wait 60 days to get paid for it.
Finance for Australian tradespeople who are carrying jobs, wages, and equipment costs while invoices sit unpaid.
Apply now
2 minutes · No credit check · Free
Overview
Why tradies businesses choose Avoir
You finish a job on Friday. You invoice Monday. Your client has 30-day terms. Their bookkeeper runs payments on the last business day of the month. By the time money hits your account, it's been 7 weeks — and your material supplier, your apprentice's wages, your rego, and your tool repayments didn't wait. This is the financial reality of running a trade business in Australia, and it's why even the busiest tradies find themselves short. Avoir connects trade businesses to lenders who assess you on your invoiced work and revenue history — not on whether your bank account happens to be full right now.
Your bank sees an account with inconsistent deposits and occasional overdrafts. A lender who understands trades sees a business that invoices on completion, waits on client payment cycles, and carries costs between jobs — a completely normal operating pattern for any trade business with healthy revenue. Whether you're a sole trader electrician managing three concurrent jobs, a plumbing business with four vans and an apprentice roster, or a landscaper buying materials upfront for contracts that pay on completion — Avoir's network has lenders who assess trade businesses on their actual trading pattern, not a snapshot of this week's balance.
Key features
No collateral required
You do not need to put your home or business assets on the line. Approval is based on your cash flow and trading history.
Same-day decisions
Most trade business applications receive a decision the same day. Funds in your account within 24 hours of approval.
Loan amounts from $10K
Access between $10,000 and $500,000 depending on your annual revenue and business profile.
All trades welcome
Electricians, plumbers, builders, painters, landscapers, HVAC, and all other trade businesses are eligible to apply.
Eligibility
Do I qualify?
Most trade businesses with 12+ months of operating history and consistent invoiced revenue are typically eligible to apply. You don't need clean monthly deposits — lenders in our network understand project-based and invoice-based revenue patterns. A specialist will review your profile.
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 →Can I get a business loan as a sole trader tradie?
Yes. Sole traders with an active ABN and at least 12 months trading history are eligible to apply through our network.
What can I use a tradie business loan for?
Common uses include bridging cash flow between jobs, purchasing a vehicle or equipment, funding a large contract, covering materials upfront, or hiring staff.
Do I need to provide financial statements?
Most lenders in our network assess trade businesses based on bank statements rather than formal financial statements, making the process faster.
How much can a tradie borrow unsecured?
Unsecured amounts typically range from $10,000 to $500,000. The maximum depends on your annual revenue — most lenders cap at 1–3 months of turnover.
Ready to apply?
Stop funding your clients' cash flow with your own.
Two minutes to apply. No credit check. A specialist will be in touch within two hours.
NO COLLATERAL
NO CREDIT CHECK
2 MIN APPLICATION