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Finance by industry

Business Loans by Industry

How lenders look at your industry, what owners in your line of work usually borrow for, and which loan types tend to fit.

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Professional services 10

Accountants

Business loans for accountants: how lenders value recurring fee blocks, why lock-up squeezes busy firms, and the tax habit that can shrink what you can borrow.

Architects

Architect business loans for sole practitioners and studios: bridging stalled stage fees, funding PI premiums and software, and financing a director buy-out.

Consultants

Business loans for consultants and one-person firms: how lenders read lumpy fees and single-client income, which loans fit, and what gets approved.

Engineering consultants

Engineering consultant loans for civil, structural and building services firms: funding WIP, payroll and software, and what lenders read in your project list.

IT and tech companies

IT and tech business loans: borrowing against R&D tax refunds and recurring revenue, financing client hardware, and the 2026 Budget change to R&D refunds.

Law firms

Law firm business loans: why trust money can't ease cash flow, how firms fund disbursements on long matters, and what lenders want for partner buy-ins.

Marketing agencies

Marketing agency business loans: why media pass-through inflates your turnover in a lender's eyes, how to fund ad spend for slow payers, and which loans fit.

Mortgage & finance brokers

Business loans for mortgage and finance brokers: funding a trail book purchase, a new loan writer or the first-year cash dip, and how lenders treat clawbacks.

Real estate agencies

Real estate agency loans: how lenders value a rent roll, why sales commissions arrive late, and the trust account checks that can quietly stall an application.

Recruitment agencies

Recruitment agency loans and payroll funding: how temp desks fund weekly wages, Payday Super and payroll tax while clients pay on 30 to 60 day terms.

Aged care providers

Business loans for aged care providers: funding Support at Home claim gaps, vehicles, refurbishments and acquisitions, and how lenders read RADs and margins.

Allied health practices

Allied health practice loans for OT, speech, podiatry and dietetics clinics: funding new clinicians, fit-outs and NDIS cash flow, and what 2026–27 prices mean.

Childcare centres

Childcare centre loans for operators: buying a centre, funding ramp-up losses and upgrades, and why occupancy, NQS ratings and the 3 Day Guarantee matter.

Chiropractors

Business loans for chiropractors: funding a new clinic, X-ray and treatment tables, or a principal's buy-out, plus why prepaid care plans worry lenders.

Medical practices

Medical practice loans for GP and specialist clinics: fit-outs, equipment, buying in, payroll tax exposure and the cash gap when switching to full bulk billing.

NDIS providers

Business loans for NDIS providers: how lenders read portal and plan-manager income, funding vans and SIL growth, and what the 2026 registration rules change.

Optometrists

Business loans for optometrists: financing OCT scanners and lens edgers, carrying frame stock, buying a practice, and how lenders value a strong recall book.

Pharmacies

Pharmacy business loans for owners and buyers: purchase finance, dispensary stock, fit-outs and robots, plus how 60-day dispensing changed what lenders check.

Physiotherapists

Physiotherapy business loans explained: funding a clinic fit-out, reformers and shockwave units, a practice buy-in, and the payroll tax question lenders ask.

Psychology practices

Business loans for psychology practices: funding fit-outs, new clinicians and practice purchases, plus the payroll tax issue group practices often miss.

Veterinary clinics

Veterinary clinic loans explained: funding digital X-ray and ultrasound, buying out a retiring principal, competing with corporate buyers, and lender checks.

Dental practices

Dental practice loans explained: financing chairs, OPG and CBCT units and scanners, starting from scratch versus buying, and what lenders check first.

Air conditioning & refrigeration

HVAC and refrigeration business loans: funding pre-summer split system stock, service vans and slow commercial accounts, and why lenders ask about RTAs.

Builders

Business loans for builders explained: why deposit caps leave a cash gap, how licensing balance-sheet tests shape borrowing, and which finance fits each stage.

Cabinet makers

Business loans for cabinet makers: financing CNC and edgebanders, carrying board stock between deposit and install, and how the stone ban changed benchtops.

Carpenters & joiners

Business loans for carpenters and joiners: funding CNC machines, utes and crew wages, surviving a builder collapse, and the licence papers lenders want.

Civil contractors

Civil contractor business loans: how bank guarantees eat into borrowing capacity, funding mobilisation, prequalification checks and finance for each job phase.

Concreters

Business loans for concreters: covering ready-mix bills before builders pay, financing pumps and trucks, and how Queensland's licence revenue caps shape growth.

Demolition contractors

Demolition business loans: funding excavators with attachments, tipper fleets, waste levies and big insurance premiums, and how licence class shapes lending.

Earthmoving contractors

Earthmoving business loans explained: financing excavators and tippers, buying used plant, wet hire cash flow, fuel tax credits and what lenders check first.

Electricians

Business loans for electricians: funding vans, test gear, wholesaler accounts and solar battery jobs, plus how the falling STC factor changes your cash flow.

Fencing contractors

Fencing contractor business loans: funding post drivers, skid steers and steel stock, coping with split-neighbour payments, and what lenders check first.

Glaziers

Business loans for glaziers: funding glass-rack trucks and double-glazed orders, carrying insurer and builder invoices, and how 7-star homes changed cash flow.

Landscapers

Business loans for landscapers: funding a track loader or tipper, why maintenance contracts lift borrowing power, and carrying a crew through winter.

Painters

Business loans for painters: when to buy an elevated work platform instead of hiring, carrying strata repaints, and smoothing out wet-weather months.

Plasterers

Business loans for plasterers: covering rising plasterboard costs, supplier accounts and 45-day builder terms, plus finance for vans, tools and a bigger crew.

Plumbers

Business loans for plumbers: financing jetters and drain cameras, carrying hot water stock, slow strata and insurer invoices, and what lenders check.

Pool builders

Pool builder business loans: why 5% and 10% deposit caps mean you fund the dig, how warranty insurance rules shape timing, and what finance fits each stage.

Roofers

Business loans for roofers: carrying materials on storm and insurance repairs, financing trucks and safety gear, and the asbestos licence behind re-roof work.

Scaffolding

Scaffolding business loans: why lenders struggle to value scaffold stock, funding trucks and crews under Payday Super, and protecting gear when builders fail.

Solar installers

Solar installer business loans: carrying panel stock and STC value, funding larger commercial jobs now that 1 MW systems qualify, and what lenders check.

Tilers

Business loans for tilers: funding tile stock for supply-and-lay jobs, dust-controlled cutting gear, a work van, and adding waterproofing to your services.

Bakeries

Bakery business loans: how lenders weigh deck ovens and mixers, why wholesale café accounts change your cash flow, and the finance that fits each bakery job.

Cafes

Business loans for cafes: funding fit-outs, coffee machines and buying a cafe, plus how the October 2026 surcharge ban and wage rises change what lenders check.

Caterers

Catering business loans: why weddings, corporate and contract catering need different finance, how invoice delays bite, and the equipment lenders fund easily.

Food trucks

Food truck business loans: truck vs trailer finance, why custom builds are tricky to value, the council approvals lenders ask about, and funding a first season.

Hotels and motels

Hotel and motel business loans: how freehold and leasehold deals are valued, why the lease years left matter so much, and how to fund refurbs and quiet seasons.

Pubs and bars

Pub and bar business loans: how freehold, leasehold and small bar deals differ, why gaming income gets discounted, and which finance fits refurbs and buy-ins.

Restaurants

Restaurant business loans explained: why fit-outs are tough to finance, how your lease caps the loan term, and what suits kitchens, refits and quiet months.

Takeaway shops

Takeaway shop loans for fish and chip, pizza, kebab and burger shops: funding equipment, fit-outs and purchases, and what the surcharge changes mean for cash.

Caravan parks

Caravan park loans explained: buying a freehold or leasehold park, financing new cabins, bridging winter, and the GST trap buyers often miss.

Craft breweries & distilleries

Craft brewery and distillery loans: financing brewhouses, stills and canning lines, carrying ageing whisky, and planning around excise and the remission cap.

Wineries

Winery business loans for Australian producers: funding vintage, barrels, bottling, ageing stock and cellar doors, plus how the WET rebate shapes cash flow.

Barbers

Barber shop loans for chairs, fit-outs, a second shop or buying out a retiring barber, and why unbanked cash cuts what lenders will offer you.

Car dealers

Car dealer business loans: how floorplan finance and curtailments work, the hidden cash cost of trade-ins with finance owing, and what lenders check.

Cleaning businesses

Cleaning business loans for commercial and home cleaners: funding a new contract's start-up costs, weekly wages, vans and scrubbers, and what lenders weigh.

Event businesses

Event business loans for planners, AV, hire and festival operators: funding gear, bridging late ticket payouts and planning cash around peak seasons.

Gyms and fitness studios

Gym and fitness studio loans for reformers, cardio gear, warehouse fit-outs and franchise sites, and why lenders study member churn as closely as revenue.

Hair and beauty salons

Hair and beauty salon loans for fit-outs, basins, lasers, stock and buying a salon, plus how chair rental and the card surcharge ban change what lenders see.

Mechanics

Mechanic business loans for hoists, scan tools, ADAS and EV equipment, buying a workshop or its freehold, and what right to repair means for independents.

Panel beaters

Panel beater business loans explained: funding spray booths and ADAS gear, bridging slow insurer payments, and why a hail storm can strain cash.

Personal trainers

Personal trainer loans for sole traders: financing gear, a van for mobile sessions or your own small studio, and how lenders read app payouts and lumpy income.

Photographers

Photographer business loans: financing camera gear and drones, why wedding deposits aren't spare cash, and what lenders ask sole trader photographers.

Printing businesses

Printing business loans: how lenders value digital and offset presses, funding paper for election and Christmas runs, and when invoice finance beats a loan.

Security companies

Security company loans for guarding, patrol and monitoring firms: funding new contracts, weekly payroll on 45-day terms, patrol cars and what lenders check.

Training providers and RTOs

Business loans for RTOs and training providers: how the $1,500 prepaid fee rule and government claims shape cash flow, and what lenders check before funding.

Tutoring businesses

Tutoring business loans explained: how lenders read term-fee income, funding a centre fit-out or second site, and handling the January lull before Term 1.

Bottle shops

Bottle shop business loans: funding excise-heavy stock, coolrooms and buying a liquor store, and how licence transfers and seasonality shape what lenders offer.

Fashion boutiques

Fashion boutique business loans explained: paying indent orders months early, fit-outs, gift card liabilities, markdown risk and what lenders want to see.

Florists

Florist business loans for Valentine's and Mother's Day stock, coolrooms, delivery vans and shop fit-outs, and how lenders read a small, spiky florist turnover.

Furniture stores

Business loans for furniture stores: paying for containers before customers collect, what lay-by rules mean for deposits, and how lenders view bulky stock.

Hardware stores

Hardware store business loans: funding trade debtors, timber and building stock, forklifts and delivery trucks, and why PPSR registration matters to lenders.

Jewellers

Business loans for jewellers: why lenders discount your stock, how dearer gold changes your cash needs, and the AUSTRAC rules that began 1 July 2026.

Newsagents

Newsagent business loans: how lenders value lotto, post office and retail income, funding a newsagency purchase or refit, and paperwork that speeds approval.

Online stores & ecommerce

Business loans for online stores: funding overseas stock deposits, Black Friday inventory and ad spend, and how lenders read Shopify and payout data.

Pet shops

Pet shop business loans: funding pet food stock, aquariums, grooming rooms and fit-outs, how animal welfare rules shape lender views, and a worked example.

Retail shops

Business loans for retail shops: funding Christmas stock, fit-outs and lease guarantees, and what the October 2026 card surcharge ban means for your margins.

Service stations

Business loans for service stations: why huge turnover doesn't lift borrowing power, how 2026's excise swings hit cash flow, and what lenders check on a site.

Supermarkets & grocers

Business loans for independent supermarkets and grocers: refrigeration breakdowns, buying a store, wholesaler security and what lenders weigh on thin margins.

Bus and coach operators

Bus and coach business loans: how lenders weigh school and route contracts against charter work, accreditation, the 2026 accessibility reforms and used coaches.

Couriers

Courier business loans explained: van finance for contractors, funding a second run, why fuel tax credits skip most vans, and what lenders check first.

Freight and logistics

Freight and logistics business loans: debtor finance for 60-day customers, warehouse and forklift funding, and how to check a shipper's payment record.

Owner-driver truckies

Business loans for owner-drivers: getting truck finance on a new ABN, pricing loads with Victoria's cost schedules, and the balloon mistake that catches many.

Removalists

Removalist business loans: financing a pantech before peak season, funding storage, why winter worries lenders and how deposits affect an application.

Rideshare and taxi drivers

Rideshare and taxi driver business loans: financing a car through your ABN, how lenders read platform income, the day-one GST rule and hybrids.

Trucking companies

Business loans for trucking companies: fleet finance without balloon pile-ups, funding the gap to 60-day invoices, and the 2026 fuel rules lenders ask about.

Cattle and grazing

Cattle and grazing business loans explained: livestock finance, restocking after a dry spell, buying more country, FMDs and what lenders check before they lend.

Dairy farmers

Dairy farm business loans explained: how lenders read your milk supply agreement, financing a rotary or robots, feed costs, and options when the bank says wait.

Farmers

Farm business loans explained: seasonal working capital, machinery finance, RIC government loans, Farm Management Deposits and what to do if the bank says no.

Fishing and aquaculture

Fishing and aquaculture business loans explained: vessel finance, buying quota, funding stock that takes years to grow, and what lenders check before they lend.

Grain growers

Grain growers business loans explained: seasonal input facilities, header and seeder finance, buying land, and covering the months before grain is paid for.

Horticulture

Horticulture business loans for fruit, vegetable and nut growers: harvest wages, netting, coolrooms and packing sheds, and why lenders read your HPAs.

Viticulture

Viticulture business loans for grape growers: funding vintage and the wait for staged grape payments, vineyard machinery, water, and the 2027 mandatory code.

Forestry

Forestry business loans for harvest and haulage contractors: why lenders tie machine finance to your contract length, and how to fund wet-season stand-downs.

Food manufacturers

Food manufacturer loans: funding processing gear, packaging runs and supermarket orders, plus the GST refund quirk and the recall questions lenders always ask.

Franchisees

Business loans for trading franchisees: funding a required refit, renewal, second site or slow patch, and why your brand's bank accreditation matters.

Importers & exporters

Importer and exporter loans explained: trade finance, letters of credit, deferring import GST and why export grants and GST refunds still leave a cash gap.

Labour hire

Labour hire business loans explained: funding weekly wages while clients pay in 30 to 60 days, licensing checks lenders now ask about, and which facilities fit.

Manufacturers

Manufacturing business loans: how lenders value machinery and work in progress, funding big orders, and borrowing ahead of an R&D refund that lands later.

Mining services

Mining services loans: funding mobilisation, drill rigs and heavy gear, and how commodity cycles and miners' payment terms shape what lenders will offer you.

Property developers

Property developer loans for deposits, DA holding costs, equity gaps and unsold stock, plus the GST settlement detail that trips up small projects.

Startups

Business loans for Australian startups by stage: R&D refund advances, revenue-based finance, equipment and founder equity, plus the R&D reforms due in 2028.

Tourism operators

Tourism operator business loans for tour boats, coaches, 4WDs and quiet months, plus why permits and customer deposits shape what a lender will offer.

Travel agents

Travel agent business loans explained: why lenders assess commission rather than TTV, funding the wait for commissions, and options for IATA bank guarantees.

Wholesalers & distributors

Wholesaler and distributor loans: how lenders read thin margins and big debtor books, plus why the PPSR and slow-paying large customers shape your facility.

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