Discover the right business loan in Australia. Compare options and get the funding your business actually needs.
Your business does not have to fit a category to be funded. If yours is not listed, it is still worth asking.
Put your best foot forward by preparing strong answers to 9 questions a lender might ask you.
Put your best foot forward by preparing strong answers to 9 questions a lender might ask you.
B2B embedded finance isn’t just a tech upgrade; it’s a strategic lever to boost acquisition, conversion, and retention.
Your existing clients aren’t just customers; they’re a source of potential growth.
Industry finance
Construction financing
Cover equipment, crews and materials for the next job, funded upfront before the first claim clears.
Common USEs
Where construction businesses use finance
New equipment
Bigger contracts often call for gear you don’t have yet, and the cost lands upfront, sometimes months before the job pays for itself. Financing means you can take on the work without paying for the equipment in one hit.
Everyday operations
Wages, materials, utilities and insurance premiums come due every month, whatever stage the job is at. Funding helps you cover these costs so a slow month doesn’t put pressure on your cash flow.
Project financing
Design, materials, permits and mobilisation all need paying for before work starts on site. With the capital ready, you can start complex projects without delay.
Subcontractor payments
Good subbies keep your jobs on time, and they expect to be paid on time too. Regular, reliable payments keep your best trades saying yes to your work.
Expansion
A new office or more staff costs money before they bring any in. Funding helps you grow at a pace you can manage.
Marketing
Get your name out there with site signage, local ads or a new website, and the funding to back it up.
Compare your options
Six ways to fund your construction business
Why Valiant
Just one simple application.
Let us do the heavy lifting, comparing the panel and negotiating. You get all the options side by side and choose the one that’s right for you.
Dedicated specialists by your side.
You get a personal specialist who knows which lenders suit your industry and how to structure a deal so it actually works for you.
Your credit score, protected.
Explore with no credit check. See all your options, compare them properly, and choose with confidence.
30,000+ SMEs we've worked with.
Construction, hospitality, manufacturing, healthcare. Whatever your business needs, we know how to get it funded with the right loan.
Getting started
How to apply for construction financing
Step 1
Get a quote
Tell us what your business needs and get quotes from 95+ bank and non-bank lenders.
Step 2
Get approved
Confirm your quote and we'll manage the application with your lender, so you can focus on running your business.
Step 3
Get funded
Sign your finance documentation and receive funding. It is that simple.
Requesting a quote has no impact on your credit score.
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Bringing you Australia's best business lenders
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- Vehicle
- Working capital
- Invoice
- Trade & supply chain
- Commercial property
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FAQs
What does rising labour competition mean for construction businesses across Australia?
Across major cities, tighter labour markets are making it harder to secure consistent subcontractor availability. That can make scheduling less predictable and increase pressure on project margins, especially when multiple jobs are running at once.
For many operators, this creates a need to actively manage cash flow across concurrent projects rather than relying on payment cycles alone.
How are long-term infrastructure projects shaping construction demand in Perth?
Perth’s major infrastructure and resources projects are keeping demand steady over long periods. While this supports strong pipelines of work, it also increases competition for experienced subcontractors across overlapping projects.
Construction businesses in the region can use business loans in Perth to maintain flexibility across longer project cycles.
Why are skilled trades harder to secure in Brisbane’s construction sector?
Brisbane’s growth across housing and infrastructure has tightened access to skilled trades. With more projects competing for the same labour pool, businesses are finding it harder to secure reliable subcontractors at consistent rates.
Those operating in this environment often explore business loans in Brisbane to help manage timing gaps between project costs and payments.
How does labour competition affect construction businesses in Sydney?
Sydney’s construction sector is very active, driven by ongoing residential and infrastructure work. That demand has increased competition for skilled trades like carpentry, electrical, and plumbing, which is pushing up subcontractor costs.
For construction businesses managing these pressures, business loans in Sydney can help support cash flow across active project stages.
Can I get a construction business loan with bad credit?
It’s not impossible, but lenders do prefer borrowers with a history of successfully repaid loans, so it’s important that you pay debts on time and manage your credit usage. If you have a poor credit score, check if any information on your record needs correcting or could be fixed. If you have current debts, try to drive those down before you apply for construction lending.
What is the typical construction loan approval timeline?
With Valiant, you can get construction business financing in as little as 24 hours.
What documents are required for construction finance?
Different lenders require different documentation, but at the very least, you can expect to provide business registration details, financial, tax and cash flow statements, and balance sheets.
What kind of projects can a construction loan help with?
A construction business loan can help fund projects like the building of new residential, commercial or industrial structures, as well as renovation or remodeling of existing buildings.