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Business Loans for Contractors

Contracting work can create unpredictable peaks and quieter weeks. CASEY provides clear, structured pathways to working capital designed to stabilise cash flow so you can take on more jobs with confidence.

Check Eligibility (30 sec)

100% free • No credit score impact • No obligation

Why this matters

Contractors often juggle variable income, upfront material costs, delayed invoice cycles, and unexpected equipment expenses. Choosing the wrong structure may increase pressure during quieter periods.

CASEY provides clarity so you can secure funding that matches how contractors actually work — flexible, practical, and cash-flow conscious.

What you get

A contractor-ready finance pathway built around uneven income cycles, upfront material needs, and job-by-job workloads.

  • Access working capital suited to contracting work

  • Receive structures aligned to uneven cash flow

  • Secure longer terms through many available pathways

  • Reduce pressure with weekly-friendly repayment options

  • Move quickly through simple, guided steps

  • Gain support from enquiry through to settlement

Who this suits

This structure suits contractors across construction, trades, maintenance, and service-based industries who want flexible finance aligned to real-world job patterns.

  • Contractors trading 12 plus months

  • Contractors needing funds for materials or labour

  • Contractors managing uneven or seasonal work

  • Contractors preparing for larger jobs

  • Contractors facing delayed client payments

  • Contractors wanting simple, guided decision-making

General lender criteria

Contractor finance is assessed differently. Lenders prioritise turnover rhythm, job consistency, and how expenses fluctuate across projects.

  • Some lenders suit uneven monthly income

  • Some pathways support weekly repayments

  • Some lenders may allow early exits

  • Some options suit contractors trading 12 plus months

  • Some lenders consider previous job history

  • Some pathways may support contractors with existing commitments

How it works

A simple, contractor-friendly process that provides clarity fast.

  • Start with a short chat about your work pipeline

  • Review statements to map the strongest pathway

  • Align options with your job-to-job income pattern

  • Present structures in clear, simple steps

  • Select the pathway that feels right

  • Move into quick assessment and settlement

Eligibility

Most contractors trading 12+ months may qualify for multiple pathways. Earlier-stage contractors may still have options depending on turnover strength and recent job activity.

  • Active ABN

  • Preferably trading 12 plus months

  • Consistent job income pattern

  • Active business bank account

  • Turnover that supports the structure

Uses of funds

Contractor-focused funding can support many operational and growth needs.

  • Materials and supplies

  • Cash-flow stabilisation

  • Tools and small equipment

  • Vehicle repairs or upgrades

  • Marketing or job acquisition costs

  • Labour or subcontractors

  • Unexpected project expenses

  • Expansion into new services

Benefits

Designed to help contractors operate confidently with predictable repayments and simple structure.

  • Reduce pressure with manageable repayments

  • Access longer terms when trading 12 plus months

  • Use flexible early exit options where available

  • Move quickly through fast assessments

  • Match structure to job-based income patterns

  • Gain clarity before making any commitment

Risk of going it alone

Applying without guidance may lead to short terms, higher repayments, or unnecessary declines — especially when income is uneven or invoice-based.

CASEY helps contractors avoid mismatched structures and secure pathways that support cash flow rather than restrict it.

Want a structure that supports your contracting work?

If variable income, delayed payments, or material costs are creating pressure, CASEY can outline your strongest funding pathways quickly.

Check Eligibility (30 sec)

100% free • No credit score impact • No obligation

Industry pain points

Contractors commonly face financial pressure at key stages of a job cycle.

  • Upfront material payments before client invoices

  • Clients paying late or beyond terms

  • Seasonal dips in job volume

  • Unexpected equipment breakdowns

  • Labour or subcontractor costs due before client payment

Scenarios

Real-world situations where contractor finance becomes essential.

  • Material supplier requires upfront payment

  • Client invoice delayed 14–45 days

  • Equipment failure stops work mid-job

  • Large new job requires immediate purchases

  • Subcontractors need to be paid before client funds arrive

Final words

Small differences in repayment structure or term length can create large differences in weekly pressure — especially for contractors working job-to-job.

Choosing the right pathway keeps cash flow predictable and workload steady so you can take on more jobs confidently.

Not sure which contractor pathway suits your business?

Many contractors aren’t — which is why guided clarity matters. CASEY helps map the strongest, most stable options for your workload and income pattern.

Check Eligibility (30 sec)

100% free • No credit score impact • No obligation

Frequently asked questions

  • Lenders often consider turnover rhythm, job history, and invoice patterns.

  • Yes, many pathways support weekly repayment structures.

  • Many contractors still qualify as long as turnover is consistent.

  • Yes, contractors trading 12+ months may see longer terms offered.

  • Some lenders specialise in uneven or seasonal contractor cash flow.

Related resources

Explore more guides to compare structures and choose the best pathway for your business.