Business loans for tradies
You've done the work.
Now you're waiting on the builder to pay.
Finance for sole trader and small-crew tradies — sparkies, plumbers, chippies — carrying tools, materials, and an apprentice's wages while the invoice sits with the builder.
Apply now
2 minutes · Soft check only · Free
Overview
Why tradies businesses choose Avoir
You finish your part of the job, submit the invoice, and then you wait — on the builder, on their bookkeeper, on a payment run that lands whenever it lands. Meanwhile the supplier wants paying, the apprentice's wages are due Thursday, the ute needs new tyres, and the next job needs materials fronted before you've seen a cent from the last one. That's the reality of running a small trade business off your own cash flow. Avoir connects sole trader and small-crew tradies to lenders who assess you on your invoiced work and revenue history — not on whether this week's balance happens to look healthy.
A bank sees lumpy deposits and the odd overdraft. A lender who understands trades sees an operator who gets paid when the job's signed off, not when the work's done. Whether you're a sparky running three jobs off the back of one ute, a two-van plumbing outfit covering an apprentice roster, or a chippie fronting the materials bill for a fit-out that pays on completion, the money you need is usually finance for the gear and the gap: a new ute or trailer, tools, a van fit-out, or the materials you buy weeks before the builder clears your invoice.
Running a bigger building or civil operation — dealing with progress claims, retention, and subcontractors of your own to pay? Our business loans for construction are built for that side of the trade.
Key features
No collateral required
You do not need to put your home or the ute on the line. Approval is based on your cash flow and trading history.
Ute, tools and van fit-out
Finance the vehicle your business runs on, replace worn tools, or kit out a new van without draining the account.
Materials before you get paid
Cover the materials bill for a job weeks before the builder clears your invoice, so the next job can start on time.
Sole traders and small crews welcome
Electricians, plumbers, chippies, painters, tilers, and other trade operators — ABN sole trader or small company — are eligible to apply.
Eligibility
Am I eligible to apply?
We work with businesses trading 12 months or more. Most sole trader and small-crew tradies with consistent invoiced revenue are eligible to apply — you don't need clean monthly deposits, because lenders in our network understand invoice-based and job-based income. A specialist will review your profile.
Meeting these criteria makes a business eligible to apply; it does not mean an application will be approved. *Subject to lender credit criteria.
Process
How it works
Apply in 2 minutes
Complete our short online form with basic details about your business and what you need. Only a soft credit check, and 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 consistent invoiced revenue are eligible to apply through our network. We work with businesses trading 12 months or more.
What can I use a tradie business loan for?
Common uses include financing a ute or trailer, replacing tools, fitting out a van, covering materials upfront, bridging the wait on a builder's payment, or paying an apprentice's wages between jobs.
Do I need to provide financial statements?
Most lenders in our network assess trade operators on bank statements rather than formal financial statements, which keeps the process fast for a busy sole trader or small crew.
How much can a tradie borrow unsecured?
Unsecured amounts typically range from $10,000 to $500,000. The maximum depends on your revenue — lenders set facility sizes as a proportion of monthly revenue, which varies by lender.
Ready to apply?
Stop funding the builder's cash flow with your own.
Two minutes to apply. Soft credit check only. A specialist will be in touch within two hours.
NO COLLATERAL
SOFT CHECK ONLY
2 MIN APPLICATION