Enquiring won't affect your credit score No cost to apply Helping Australian businesses since 2012
Instant Business Finance
1300 863 711See if you qualify
Sparkies, plumbers, chippies & more

Loans for tradies, back on the tools fast

Instant Business Finance funds tradies, including electricians, plumbers, carpenters, HVAC, roofers, painters and landscapers, with fast loans for utes, tools, materials, apprentices and slow-paying builders. Cash-flow loans can be funded in as little as 2 hours, and property-secured loans up to $5 million in as little as 24 hours.

See if you qualify1300 863 711
Tradies in orange hi-vis checking plans on site2–24hto funds
Updated September 2026Reviewed by the Instant Business Finance lending teamHelping Australian businesses since 2012

Trade businesses carry costs up front and get paid last. Materials go on account, the builder pays in 45 days, and the ute always seems to break down in the busiest week. We understand how trade cash flow works, and we fund it fast.

What tradies use fast finance for

Tray-back ute at a country service stationBuy vehicles, utes & trucksNo property neededMechanical workshop with tools and a vehicle on a liftRepair broken equipmentNo property neededBuilder in a red hard hat smiling on siteCover delayed progress paymentsWith or without propertyTwo café owners in aprons standing at their counterHire new staffNo property neededBusiness owner on the phone working through paperwork at her laptopPay an ATO or tax debtWith or without propertySmall business owner behind the counter of her storeFix a cash-flow gapWith or without property

Best-fit loan types

Unsecured business loansEquipment & asset financeInvoice financeCaveat loansSmall business loans

Two fast lanes

  1. Check eligibility60 seconds online, with no credit score impact.
  2. We pick your fastest laneProperty-secured (up to $5M, no financials) or cash-flow (bank statements).
  3. Get a decisionUsually the same business day, with every cost in writing.
  4. Get fundedIn as little as 2 hours (cash-flow) or 24 hours (property-secured).

Frequently asked questions

Can sole-trader tradies get a business loan?

Yes. With an active ABN and regular deposits, sole traders can qualify for cash-flow loans, and property owners can borrow against equity.

Can I finance a used ute from a private seller?

Yes. See our vehicle finance page for details.

Does it cost anything to apply?

No. There's no cost to apply or check your eligibility. All costs are set out in writing in your loan offer before you sign anything.

Will checking my eligibility affect my credit score?

No. Our 60-second eligibility check doesn't make a credit enquiry. A credit check is only done later, with your consent, if you decide to proceed.

Instant Business Finance

The fastest road to funding starts here.

See if you qualify in 60 seconds. Funds in as little as 2 hours without property, or up to $5M in 24 hours secured by property. No cost to apply, and no credit score impact.

See if you qualify1300 863 711
See if you qualify in 60s