Private Lending for Builders and Contractors

At Innovate Funding, we specialise in private lending for small building and trade businesses across Australia. Whether you run a contracting company, a small construction business, or work as a licensed builder, we understand that cash flow can make or break your project timelines. Our asset-backed loans give you fast, flexible access to funds to keep your business moving when banks can’t help.

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Why Small Builders and Contractors Use Private Lending

Small construction businesses often struggle to meet bank lending criteria. Irregular income, delayed progress payments, or limited financial records can make it difficult to access finance when it’s needed most.

Private lending provides a faster, simpler alternative. It’s ideal for small business owners who need to:

• Manage cash flow between client or builder payments

• Cover upfront material and labour costs

• Fund tools, vehicles, or small machinery purchases

• Take on additional contracts without waiting for receivables

• Refinance or consolidate short-term debt

With Innovate Funding, you get flexible finance based on your available equity — not your credit score or trading history.

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How Private Lending Helps Small Building Businesses

At Innovate Funding, we focus on your assets, equity, and exit plan, ensuring you can access funds quickly to keep projects on track.

Our lending model includes:

• Approvals typically within 24–48 hours

• Low-doc and no-doc options

• Short-term, business-purpose loans only

• Security against residential, commercial, or investment property

• Repayment terms structured to match your cash flow

This makes private lending an ideal solution for builders and contractors who can’t afford delays in their project schedules.

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Common Funding Scenarios

• Paying subcontractors and suppliers on time

• Bridging finance between project milestones or invoices

• Purchasing new tools, utes, or small equipment

• Completing minor renovations or maintenance work

• Refinancing existing short-term loans

• Funding expansion or small-scale fit-out projects

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Loan Features and Eligibility

Loan Amount: $50,000 – $2,000,000+

Loan Term: 3 – 12 months

Loan Type: Company or Trust

Security: Property or asset-backed

Approval Time: Within 24–48 hours

Documentation: Low-doc / No-doc accepted

Borrower Type: Small builders, subcontractors, trade businesses

Locations: Australia-wide

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Why Choose Innovate Funding

• Fast settlements with access to 50+ private lenders

• Simple application process designed for small operators

• Transparent fees and flexible repayment options

• Loans structured around project schedules and cash flow

• Proven experience funding Australian construction and trade businesses

Our goal is to give small builders and contractors the freedom to work without financial bottlenecks — so you can stay productive, competitive, and profitable.

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Scenario

A small Sydney carpentry business needed $120,000 to complete a renovation project while awaiting stage payments. The bank declined due to irregular cash flow. Innovate Funding approved a short-term low-doc loan within 48 hours, secured against residential property, enabling the business to complete the project and secure two new contracts.

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Enquire Today

Ready to take the next step?
Speak with our private-lending specialists today and discover how Innovate Funding can help your building or contracting business grow.

Enquire Now

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Ready to Apply

If you’re ready to move forward, you can start your application online. Our process is quick, simple, and transparent from start to finish.

Apply Now

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Frequently Asked Questions

What is private lending for small builders and contractors?
Private lending provides short-term, asset-backed funding that helps small construction and trade businesses manage cash flow between client payments or projects.

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How quickly can I get approved?
Conditional approval is usually issued within 24–48 hours once property security details are received.

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Do I need full financials?
No. We offer low-doc and no-doc lending options for business-purpose loans.

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Can I use my property as security?
Yes. Residential or commercial property can be used as security depending on your available equity.

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Related Pages

Private Lending for Small Business Owners

Private Lending for Fitout Companies

Private Lending for Retail Businesses

Private Lending for Trades and Services
Private Lending for Construction and Development Projects