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Formwork, Steel, Concrete, Electrical, Plumbing

Construction Subcontractor Loans
- wide lender panel, industry-aware

Name: Mortgagefy
Address: Sydney, NSW, AU
Telephone: +61432634648
Price range: Free

By the Mortgagefy Team · Credit Rep 532656 of ACL 348324 · Published 2026-10-15 · Last reviewed 2026-10-15

Specialist finance for construction subcontractors - working capital, equipment, fit-out and expansion. We know which lenders accept your industry's cash-flow pattern and documentation.

Start Your Free Assessment 0432 634 648

Free Business & Commercial Assessment

Takes under 3 minutes. We'll match you with the right lender for your situation.

Who this is for

Construction subcontractors owners who need capital for a specific purpose and want the structure that gets approved first time.

Established construction subcontractors with 1+ years of trading
Sole trader, partnership, Pty Ltd or trust structure
Need unsecured $5k-$500k or secured $200k-$5m
Previously declined by your main bank
Have an active ATO payment plan (acceptable to specialist lenders)
Multi-entity owners (trading co + property co + income support)

The real challenge

Subbies on big-build projects carry the worst cash flow in construction: weekly wages and material costs, monthly claims paid 30-60 days after submission, 10% retention held for 12 months after practical completion. Specialist builder's finance lenders advance against certified progress claims and retentions, bridging the gap between work done and cash in.

How Mortgagefy helps

Industry-aware lender match. We know which non-bank still lends to your industry and at what pricing.
Right documentation. BAS, bank statements, accountant's letter - we tell you exactly what each lender needs so there's no rework.
Honest serviceability run on your personal + business income before you commit.
No broker fee. Lender pays us at settlement.

Need to model repayments first? Try our Sydney home-loan calculators for an indicative figure.

How it works

Free call

15-minute chat - purpose, amount, timing, your trading picture.

Lender shortlist

2-3 lenders whose policy matches your industry and loan purpose.

Clean submission

File prepared with the right documents for a 24-72 hour decision (unsecured) or 2-4 weeks (secured).

Settlement

Formal offer reviewed; coordinated with your accountant through to funding.

Get a personalised answer in 2 minutes

Free, no obligation. We'll match you with the right lender for your situation.

Frequently asked questions

Can I borrow against certified retentions?

Yes - specialist builder's finance lenders advance 60-80% of certified retentions, repaid when the retention releases (typically 12 months after PC).

How fast can I get approved?

Unsecured loans for construction subcontractors typically approved in 48-72 hours with clean documents. Secured loans against property take 2-4 weeks.

Will my industry affect my loan options?

Yes - some mainstream lenders avoid certain construction subcontractors verticals. That's where we add value: we know which non-bank or specialist lender actively wants your industry at good pricing.

Can I borrow with an active ATO payment plan?

Yes with the right lender. Several non-banks accept active ATO payment plans if the plan is being honoured. The main banks usually decline.

Will I need personal guarantees?

For most business loans under $2m, directors sign personal guarantees. Larger facilities with strong serviceability can sometimes negotiate limited or capped guarantees.

Do you charge a fee?

No broker fee to the borrower. The lender pays our commission at settlement.

Get your free construction subcontractors finance assessment

Specialist lenders who understand construction subcontractors. No broker fee. Independent assessment across a wide lender panel.

Start Your Free Assessment Call 0432 634 648

Related guides

Business Loans Sydney

Unsecured, secured and multi-entity structures.

Low Doc Business Loan

BAS instead of two years of tax returns.

Short-Term Business Loan

3-12 month bridging when you need cash fast.

Working Capital Loan

Line of credit, invoice finance, overdraft.

Equipment Finance

Chattel mortgage for vehicles and plant.

Commercial Property Loans Sydney

Owner-occupied and investment commercial.

Information checked October 2026. This information is general in nature and does not take account of your personal objectives, financial situation or needs. Business, commercial and development finance eligibility, pricing and documentation varies by lender and changes frequently. Confirm current requirements with your chosen lender and seek professional advice before applying. Mortgagefy — Credit Representative 532656 of ACL 348324.

Construction Subcontractor Loans- wide lender panel, industry-aware