Tradie Business Loans for the people who actually build things.
Straightforward working capital for electricians, plumbers, carpenters and other tradespeople running their own business.
Tools, materials and wages go out long before the payment comes in. A tradie business loan from Business Loan Co is straightforward working capital — buy what the job needs now and cover the gap until your progress payments or invoices clear.
Application to funds — measured in days, not weeks.
Because we're the actual lender, your application doesn't bounce between brokers, panels and credit teams. One Adelaide-based team, one decision, one source of the money.
Start your applicationHow tradies use it.
It's one loan you can spend however the business needs — these are the reasons tradie businesses borrow most often. There are no restrictions on how you use the funds.
Tools & equipment
Upgrading or replacing the kit the job needs.
Work vehicles
Getting the ute or van road-ready for site.
Materials upfront
Buying materials before the job is paid.
Wages
Paying apprentices and crew through the job.
Bridging payments
Covering the gap until progress payments clear.
Bigger jobs
Taking on the larger job with cash flow behind you.
Three things to apply.
We look at the health of your business — not big-bank-style thresholds. If you're trading and your cash flow is real, you can almost certainly apply.
Australian business with an ABN
You must hold an active ABN. We lend to companies, trusts, partnerships and sole traders.
At least 6 months of trading history
Newer than that and we won't have enough of a picture to underwrite responsibly.
Monthly turnover from $5,000
We look at the health of your cash flow more than any single threshold — but $5K/month is the floor.
A direct lender — not a broker.
Most "business loan" sites in Australia are brokers who pass your application to a panel and take a commission. We're the actual lender — we fund the loan ourselves, from our own book, out of our Adelaide office. The person who picks up the phone is the person making the decision.
Apply nowWe fund it ourselves
Your application stays with us — assessed, approved and funded in-house. No panel, no shopping around.
A real person on the phone
A lending specialist in our Adelaide office reviews your application and calls to confirm the details.
Pricing confirmed before you sign
Your specialist sets out the amount, term and repayments in plain dollars before you commit to anything.
A quote first. Then you decide whether to apply.
Your quote builds inside the application — you'll see the numbers before you submit anything. Here's the whole process, start to finish.
Apply online
A short form, about ten minutes. Your quote — amount, term and repayments — builds on screen as you go.
See it, then decide
Nothing's submitted until you're happy. If the numbers work, submit; if not, walk away — no cost.
A specialist reviews it
A real lending specialist in our Adelaide office reviews your application and calls to confirm the details.
Get funded
Once you sign, approved customers are often funded the next business day, straight to the business account.
A quote is provided within the application, and you decide whether to proceed at that point. Loans are subject to eligibility and assessment — approval is never guaranteed. Pricing is confirmed by your lending specialist before you sign. Business Loan Co is a direct lender. ACN 609 323 337.
Questions tradie businesses ask.
The product is the same for everyone — these are the questions we hear most from tradie operators. The full FAQ covers eligibility, repayments and support.
Read the full FAQElectricians, plumbers, carpenters, HVAC technicians, concreters, landscapers and other trades running their own business. If you have an active ABN, 6+ months trading and turn over from $5,000 a month, you can apply.
Yes. That's one of the most common reasons tradies borrow — buy materials upfront, pay the crew, and bridge the gap until progress payments or invoices clear.
It depends on the loan size and your situation. Many smaller loans don't require security over your assets; larger ones may. Your specialist explains exactly what's needed before you commit.
It's a single product with fixed weekly or daily repayments over a 12 to 18 month term. Your lending specialist confirms the pricing with you before you sign — no rate guesswork on a landing page.
Get a real answer
from a real person.
10-minute application. Decision within hours. Funds, often the next day.