Industries
Alternative Business Loans by Industry
Every industry has its own cash flow rhythm and its own reasons banks say no. See how alternative finance fits yours.
Banks often decide on industry before they look at your numbers. Hospitality, construction, labour hire and transport regularly sit on internal watch lists, which means tougher rules and more declines even for strong operators.
An alternative lender asks a different question: how does money move through this particular business, and is there a sensible way to fund the gap? These pages cover the cash flow patterns of each industry, the moments owners typically need funding and what to prepare.
Building, trades and industrial
Project, contract and supply-chain businesses.
Construction
Business loans for builders and construction contractors: progress payment gaps, retentions, ATO debt and equipment. Unsecured and property-secured options.
Read more →Trades
Business loans for electricians, plumbers, carpenters and other trades. Fund tools, vehicles, materials and tax bills, even with a new ABN or bad credit.
Read more →Transport and logistics
Business loans for transport and logistics: trucks, trailers, fuel, wages and slow-paying customers. Equipment finance, invoice funding and secured loans.
Read more →Manufacturing
Business loans for Australian manufacturers: machinery, raw materials, wages and large orders. Equipment finance, invoice funding and property-secured options.
Read more →Automotive workshops
Business loans for mechanics, panel beaters, auto electricians and detailers: hoists, diagnostic gear, stock and cash flow while insurers pay.
Read more →Cleaning
Business loans for cleaning companies: wages before contract payments, equipment, vehicles and growth. Invoice finance, lines of credit and secured options.
Read more →Wholesale and import
Business loans for wholesalers and importers: stock purchases, supplier payments, freight, duty and customer terms. Trade finance, invoice finance and more.
Read more →Bakeries and food production
Business loans for bakeries, food manufacturers and commercial kitchens: ovens, coolrooms, ingredients, wholesale growth and compliance upgrades.
Read more →Labour hire
Business loans for labour hire and recruitment firms: weekly payroll before client payments, new contracts and tax arrears. Invoice finance and more.
Read more →Customer-facing businesses
Businesses that live and die by foot traffic, bookings and seasons.
Hospitality
Business loans for restaurants, bars, pubs and venues: fit-outs, equipment, quiet months and tax arrears. Lenders who read your takings, not just the sector.
Read more →Cafes
Business loans for cafes and coffee shops: espresso machines, fit-outs, second sites and quiet patches. Lenders who read your daily takings.
Read more →Retail
Business loans for retailers: stock before peak season, fit-outs, online expansion and quiet months. Unsecured, trade finance and property-secured options.
Read more →Beauty and hair salons
Business loans for beauty, hair, nail and skin clinics: fit-outs, laser and treatment equipment, stock and new locations. Bank statement lending.
Read more →Gyms and fitness
Business loans for gyms, fitness studios, pilates and yoga studios: equipment, fit-outs, new sites and cash flow. Membership income assessed fairly.
Read more →Childcare
Business loans for childcare and early learning centres: fit-outs, playground upgrades, staffing ramps and centre purchases. Alternative and secured options.
Read more →Ecommerce
Business loans for online stores and marketplace sellers: stock, advertising, fulfilment and growth. Revenue-based and bank statement lending explained.
Read more →Events and hire
Business loans for events companies, production and equipment hire businesses: upfront costs, equipment, seasonal peaks and slow-paying clients.
Read more →Tourism and accommodation
Business loans for motels, holiday parks, B&Bs, tour operators and attractions: refurbishments, vehicles, off-season costs and acquisitions.
Read more →Professional, health and rural
Practices, agencies, tech businesses, farms and wineries.
Medical and allied health
Business loans for GPs, dentists, physios and allied health practices: equipment, fit-outs, new rooms and practice purchases. Alternative and secured options.
Read more →Agriculture and farming
Business loans for farmers, graziers and growers: livestock, machinery, seasonal costs and drought recovery. Alternatives when banks are slow or say no.
Read more →Wineries and vineyards
Business loans for wineries, vineyards and cellar doors: vintage costs, barrels, equipment, stock held in tanks and tourism upgrades.
Read more →Professional services
Business loans for accountants, lawyers, consultants, architects and agencies: work in progress, fit-outs, hiring and buying a practice. Alternative options.
Read more →Real estate agencies
Business loans for real estate agencies: rent roll purchases, commission timing gaps, office fit-outs and growth. Alternative and property-secured options.
Read more →IT and software
Business loans for IT services, managed service providers and software companies: hiring, hardware, working capital and growth. Recurring revenue assessed.
Read more →Run the numbers first
Repayment Calculator
Enter the amount and the total cost of finance you were quoted. See daily, weekly and monthly repayments. No rates assumed.
Open the calculator →Cash Flow Gap Calculator
Money in, money out and when. Find the size and timing of your cash flow gap before you borrow.
Open the calculator →Questions about industries
Do you lend to industries banks avoid?
Yes. Hospitality, construction, labour hire, transport and other sectors banks treat cautiously are welcome. The question is how money moves through your business, not which code it sits under.
Can seasonal businesses borrow?
Yes. Lenders who read twelve months of bank statements can see the full cycle and size the loan around your slow and busy periods instead of penalising one quiet month.
What can the money be used for?
Any genuine business purpose: stock, equipment, wages, tax debts, fit-outs, marketing, buying a business or refinancing expensive debt. Loans are for business purposes only.
Do I need to own property?
No. Unsecured and cash flow options suit trading businesses without property. Property simply opens up larger amounts and longer terms if you have it.
No credit check to enquire
Find out what is realistic before anything touches your credit file. A check only happens if you choose to go ahead.
Not sprayed to a pile of lenders
Your enquiry is not auctioned or blasted around. One team reads it and works it through properly.
A real person on your file
Someone who understands declined and unusual deals calls you back. Answer the form accurately and we can match you properly first time.
Prefer to start now? Enquire here
About 60 seconds. No credit check when you first enquire, and a person who handles unusual deals calls you back.
Heard no somewhere else? Ask the people who look at the whole business.
One short enquiry. No credit check when you first enquire, a real person reading it, and your details kept with one team instead of being shopped around.
No credit check to enquire
Not sprayed to a pile of lenders
A real person on your file