Your trade, your cash cycle
Business Funding by Industry
Builders wait on progress claims, clinics wait on insurers, wholesalers wait on retailers. Find your industry for funding that matches how money really moves through it.
Every industry has its own cash rhythm. A cafe banks takings daily but pays rent monthly. A builder spends heavily before the first progress claim. A manufacturer buys raw materials months before the finished goods are paid for. Lenders read bank statements through that lens, so the right funding starts with understanding your industry's cycle.
Each industry page covers the usual pressure points, the funding that tends to fit, what lenders look for in that trade and how to present your numbers so they are read fairly.
Your industry is not listed? Most trading Australian businesses with an ABN can still be considered. Tell us what you do in the enquiry.
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Jump to your industry
Find your trade
- Construction and building
- Electricians, plumbers and trades
- Transport and logistics
- Cafes and restaurants
- Pubs, bars and clubs
- Retail shops
- Online retail and ecommerce
- Wholesale and distribution
- Manufacturing
- Medical and dental practices
- Allied health
- Childcare centres
- Farming and agriculture
- Wineries and craft beverages
- Mining services
- Cleaning and facility services
- Labour hire and recruitment
- Professional services
- Real estate agencies
- Beauty salons and barbers
- Gyms and fitness studios
- Automotive workshops
- Tourism and accommodation
- Events and entertainment
Building, trades and industrial
Jobs, loads, materials and machinery.
Construction and building
Business funding for builders and construction firms: materials, progress claim gaps, retentions, equipment and tax, with unsecured and secured options.
Read moreElectricians, plumbers and trades
Business funding for electricians, plumbers and other trades: materials, vans, tools, quiet weeks and tax time, with unsecured and property-backed options.
Read moreTransport and logistics
Business funding for transport and logistics operators: fuel, tyres, rego, repairs, trucks and freight clients on long terms, with flexible options.
Read moreWholesale and distribution
Business funding for wholesalers and distributors: inventory, supplier deposits, retailer payment terms and growth, with invoice finance and lines of credit.
Read moreManufacturing
Business funding for manufacturers: raw materials, machinery, long production cycles and customer terms, with equipment, invoice and property-secured options.
Read moreMining services
Business funding for mining services contractors: equipment, crews, mobilisation, long payment terms and contract wins, with equipment and property options.
Read moreCleaning and facility services
Business funding for cleaning and facility services companies: payroll for new contracts, equipment, vehicles and client payment terms, with flexible options.
Read moreLabour hire and recruitment
Business funding for labour hire and recruitment agencies: weekly payroll, client payment terms, growth and payroll tax, with invoice finance and credit lines.
Read moreAutomotive workshops
Business funding for mechanics, panel beaters and automotive workshops: hoists, diagnostic gear, parts, insurer payment delays and expansion.
Read moreFood, retail and hospitality
Stock, takings and seasonal peaks.
Cafes and restaurants
Business funding for cafes and restaurants: equipment, fit-outs, quiet months, rent and wages, with unsecured, equipment and property-secured options.
Read morePubs, bars and clubs
Business funding for pubs, bars and clubs: refurbishments, stock, gaming and kitchen equipment, licensing costs and seasonal trade, with flexible options.
Read moreRetail shops
Business funding for retail shops and boutiques: stock before peak seasons, fit-outs, slow months and supplier discounts, with flexible funding options.
Read moreOnline retail and ecommerce
Business funding for online retail and ecommerce brands: inventory, advertising, peak season stock and fulfilment, with unsecured and property-backed options.
Read moreWineries and craft beverages
Business funding for wineries, breweries and distilleries: vintage costs, stock that ages for years, equipment, cellar doors and export, with flexible options.
Read moreTourism and accommodation
Business funding for tourism and accommodation operators: off-season cash gaps, refurbishments, vehicles, vessels and booking timing, with flexible options.
Read moreEvents and entertainment
Business funding for event, staging and entertainment businesses: upfront production costs, equipment, deposits, seasonal peaks and client terms.
Read moreHealth, services and everything else
Clinics, childcare, agencies, salons, gyms and farms.
Medical and dental practices
Business funding for medical and dental practices: equipment, fit-outs, new practitioners, practice purchases and cash flow, with flexible funding options.
Read moreAllied health
Business funding for physios, psychologists, chiropractors and other allied health practices: fit-outs, equipment, new clinicians and cash flow gaps.
Read moreChildcare centres
Business funding for childcare and early learning centres: fit-outs, compliance upgrades, staffing, centre purchases and subsidy timing, with flexible options.
Read moreFarming and agriculture
Business funding for farmers and agribusiness: inputs before harvest, machinery, drought and flood recovery, and seasonal gaps, with flexible options.
Read moreProfessional services
Business funding for accountants, lawyers, engineers, consultants and agencies: work in progress, debtors, tax, fit-outs and partner changes.
Read moreReal estate agencies
Business funding for real estate agencies: commission timing, rent roll purchases, office fit-outs, marketing and staff, with property-backed options.
Read moreBeauty salons and barbers
Business funding for hair salons, barbers and beauty clinics: fit-outs, equipment, product stock, quiet months and new stylists, with flexible options.
Read moreGyms and fitness studios
Business funding for gyms, fitness studios and personal training businesses: equipment, fit-outs, new sites and membership timing, with flexible options.
Read moreCalculators for this topic
Working Capital Calculator
Debtor days, stock days and supplier days in, cash tied up in the cycle out. Find the gap a facility should cover.
Open itCash Runway Calculator
Cash on hand, money in and money out each month. See how many weeks of runway you have and when it runs out.
Open itInvoice Cash Calculator
Your unpaid invoices, the advance offered and the fees quoted. See the cash you could unlock now and later.
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