Business loans for demolition 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, lumpy contract income and value tied up in work in progress and retention often read as risk rather than a normal demolition profile, so our role is to present the claim cycle and the plant properly and take it to the lenders that suit it. We work across a panel of more than sixty bank and non-bank lenders, and we stay on well beyond settlement as you take on larger contracts, add plant or fund the next crew. 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 strength and can be arranged in days, which suits a limit of $100K to $500K for mobilisation and working capital. Secured facilities, backed by property or plant, support larger amounts and price better, and make sense once you are funding an acquisition or a step-up in contract size. 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 operators. Demolition income is contract-based, so lenders read your claim cycle, your work in progress and your plant together rather than a single settled invoice. 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 it is one of the most common reasons demolition contractors come to us. The money you have earned but not yet claimed can run for weeks between the cost and certification, while mobilisation, disposal and payroll fall due upfront. We size a facility to your work in progress and your claim cycle so the next site is mobilised before the last one settles, and where retention is held pending sign-off we can bridge that too. Bring us the claim schedule early, subject to serviceability and lender approval.

Yes, and the machinery is normally the security rather than your property. Earthmoving plant, high-reach machines, attachments and trucks can all be funded new or used, and terms are typically matched to the working life of the asset. Established businesses can often be assessed on bank statements and BAS rather than full financials, and dealer and manufacturer programs are available too, which we compare against a bank facility. Keeping the machine off the overdraft leaves your working capital free for mobilisation and disposal.

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 the run rate they are trading at now. It works best where the trading account shows regular 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. A tax or BAS obligation that falls due before a progress claim settles is a timing gap rather than a trading problem, and a short-term or revolving facility can carry it. Where trading supports the repayments, a secured term loan can also fund an ATO payment plan. The practical advice is to arrange the facility when you are planning the spend rather than when the bill is already overdue. Timeframes and outcomes are subject to lender appetite and approval.

Yes, and it is a commercial property deal rather than a working capital one. A demolition business needs somewhere to park and maintain plant and store attachments, and owning it takes a rising rent out of your cost base and builds an asset alongside the business. Your trading performance and the property are read together, and owner-occupiers can generally borrow a higher proportion than a passive investor would. Our commercial property team handles these end to end through our industrial workshop property finance service.

Yes, and income that arrives in claim-shaped lumps is normal rather than a problem, as long as the facility is built for it. The mistake is sizing a limit to an average month, which leaves you short when two sites mobilise at once and paying line fees on unused headroom in between. We size to the peak of the claim gap and structure repayments to fall when the certified claim settles, which also suits a contractor refinancing onto a cleaner structure or funding an expansion. Lenders that fund contract-based trading expect the pattern and price it accordingly.

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 demolition yard, we also assist with demolition and earthmoving equipment finance and working capital. On asset finance, that covers earthmoving plant, machinery, attachments and trucks. On working capital, we arrange business overdrafts, lines of credit, progress-claim funding and cash flow facilities. We also arrange commercial mortgages if you are buying or refinancing the yard or workshop your business operates from.