Business loans for commercial roofing contractors

Ardent Capital Group brings the same method to every client: execution and strategy, clear advice for smart lending, and long-term growth. That means the right lender, structure and timing, straight advice so you borrow with confidence, and today's deal built toward where you want to be tomorrow. We are specialists in helping business owners secure finance to purchase their own property, and we understand the complex structures that often sit around it, including multiple trusts, holding companies and self-managed super funds. Through that work we also understand what the business needs from its cash flow, and where an overdraft or line of credit fits for working capital. To a generalist bank desk, a roofing contractor with big material orders, staged progress claims and retention held to completion can look lumpy, when in truth the contract behind it is solid and the cash is simply timed to certification. Our role is to know which of the more than sixty bank and non-bank lenders fund contract-based trades on their work in progress rather than on last year's financials, so you are not approaching each one yourself. As the business grows from single contracts to multiple concurrent sites, the same team keeps the facility matched to your pipeline. Every figure is subject to serviceability, lender appetite and approval.

It depends on how quickly you need it and what you are willing to offer as security. Unsecured facilities are assessed mainly on trading and contract strength and can be arranged in days, which suits a limit of $100K to $500K for materials and work in progress. Secured facilities, backed by property or plant, support larger amounts and price better, and make sense once you are funding an acquisition or a run of concurrent sites. Most established contractors end up with a mix, and we shape which sits where.

It depends on your trading, your structure and the purpose, but lending here commonly runs from $100K to well into seven figures, and our range extends to $100M for larger firms. Contract-based trading is read on the certified claims and the order book rather than last year's financials alone. The binding constraint is usually serviceability rather than security, and we shape the funding early so you know your number before you commit.

Yes, and the equipment is normally the security rather than your property. Trucks and utes through commercial vehicle finance, along with elevating work platforms, scissor lifts and other access gear, can all be funded new or used. Terms are typically matched to the life of the asset, and established businesses can often be assessed on bank statements and BAS rather than full financials. Bringing access equipment in house instead of hiring it every job often pays for itself, and dealer and manufacturer programs are available too, which we compare against a bank facility.

By funding the gap between spending and being paid, which is the part contractors most often underestimate. A bulk material order and weeks of crew time build up as unbilled work in progress while the cost base and the interest keep running, so the facility needs to carry both until the claim is certified. We size it to the contract and the claim schedule, and set repayments to land as each progress payment comes in. Bring us the contract and the claim staging early, subject to serviceability and lender approval.

No. Plenty of contractors fund materials and work in progress without touching the family home, either through unsecured facilities assessed on trading, or by securing against the trucks and equipment being purchased. Property security does support a larger limit and better pricing, so it is worth considering once you are borrowing well into seven figures or funding an acquisition. The choice is yours, and we will show you what each option costs before you commit.

An unsecured facility can often be approved within 48 hours and funded inside a week where the business is established and the BAS and bank statements are current. Secured facilities take longer, typically two to four weeks, because a valuation is involved. The practical advice is to open the limit before you order materials and mobilise, ideally when you are pricing the tender rather than when the supplier invoice is already due. Timeframes are indicative and subject to lender appetite and approval.

Yes. Many lenders assess established businesses on 6 to 12 months of bank statements and recent BAS rather than full year-end financials, which suits contractors whose accounts lag a growing order book. It works best where the trading account shows regular certified-claim receipts and the ATO position is current. If you have a payment plan in place, say so early, because several lenders will still proceed when it is disclosed and being met.

Yes, and it is a commercial property deal rather than a working capital one. The trading performance and the premises are read together rather than the bricks alone, and getting the trading presented properly is most of the work. Owner-occupiers can generally borrow a higher proportion than a passive investor would. Our commercial property team handles these end to end through our roofing yard and workshop commercial mortgage service.

Most of the time, no. We are paid a commission by the lender once your facility settles. Where a deal requires significant preparation or involves unusual complexity, a small mandate fee may apply. We will always be upfront about this before any work begins.

Although we are based in Sydney, we service clients across all major Australian cities, including Melbourne, Perth, Brisbane, the Gold Coast, Adelaide, Canberra and Hobart, along with their surrounding regional areas. Wherever your business is located, we can arrange your finance.

Although our main speciality is property loans for business owners, such as a property loan for your workshop or yard, we also assist with vehicle finance for roofing crews and working capital. On asset finance, that covers trucks and utes through commercial vehicle finance along with elevating work platforms and access equipment. On working capital, we arrange business overdrafts, lines of credit and cash flow funding. We also arrange commercial mortgages if you are buying or refinancing a yard, workshop or depot.