Contractor Finance

Contractor Finance Solutions

Banks don't understand contractor cash flow. We do. Your revenue comes in waves. You need equipment upfront but get paid on completion. You have strong contracts but irregular income patterns. Sound familiar? We've arranged finance for 200+ contractors across all trades. We know your challenges and which lenders actually want your business.

Equipment Finance

• New and used equipment purchases

• Chattel mortgages and finance leases

• Flexible repayment terms aligned with cash flow

• Fast approvals for time-critical purchases

Working Capital

• Working capital for materials and labor

• Bridge financing between projects

• Seasonal cash flow management

• Revolving credit facilities

Asset Finance

• Commercial property purchases

• Workshop and depot acquisitions

• Investment property opportunities

• Development site financing

Specialised Solutions

• Contract-based lending

• Invoice factoring

• Equipment refinancing

• Debt consolidation

Industries We Serve

• Electrical contractors

• Plumbing and gasfitting

• HVAC specialists

• Civil contractors

• Building and construction

• Earthmoving and excavation

• Transport and logistics

• Engineering contractors

Why Banks Struggle With Contractors

How We're Different

❌They want steady employment - you're self-employed

❌They want regular income - yours varies by project

❌They want simple tax returns - yours show business deductions

❌They want low debt ratios - your equipment needs are high

❌They want fast decisions - but don't understand your industry

✅We understand seasonal patterns and project cycles

✅ We assess your full contract pipeline, not just last year's income

✅ We work with lenders who specialise in contractor finance

✅ We structure deals around your cash flow reality

✅ We provide ongoing support as your business grows

FAQs

What is contractor finance?

Contractor finance provides tailored financial solutions for project-based businesses facing cash flow challenges.

How does equipment finance work?

Equipment finance allows contractors to acquire necessary tools upfront while managing cash flow effectively.

Why choose us?

We understand contractor cash flow and have successfully arranged finance for contractors across various trades.

What are irregular income patterns?

Irregular income patterns occur when revenue is inconsistent, often due to project-based work.

Who can benefit from this?

Contractors with strong contracts but fluctuating income can greatly benefit from our finance solutions.

How to apply for financing?

You can apply for financing through our website or by contacting our team directly for assistance.