Business loans for glazing and facade 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. A glazing and facade contractor shows a lumpy ledger: heavy material outlay and payroll early, then income arriving on certified progress claims weeks later, which a generalist credit desk can read as strain rather than the normal rhythm of commercial subcontract work. Our job is to know which of the 60+ bank and non-bank lenders fund contractors against their work in progress and claim schedule, so you are not pitching that story cold to each desk yourself. We stay with you across the build cycle, growing the facility as your contract book and access fleet grow. 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 contract trading and can be arranged in days, which suits a limit of $100K to $500K for a buy-up or working capital. Secured facilities, backed by property or plant, support larger amounts and make sense once you are funding an acquisition or a run of concurrent packages. 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 contractors. Because your outlay lands ahead of a certified claim, lenders read your contract book and claim schedule alongside your trading rather than a single month. The binding constraint is usually serviceability rather than security, and we shape the funding early so you know your number before you tender.

Yes, and the equipment is normally the security rather than the workshop. Elevating work platforms, hoists, material trucks and crew utes can all be funded new or used through access equipment finance and commercial vehicle finance. 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. Buying an EWP outright instead of hiring it by the week often pays for itself across a long install, and dealer and manufacturer programs are available too.

By carrying the work in progress until the claim is certified and paid. Glass, aluminium, crew and access hire are all funded before the money arrives, so the facility needs to carry that early cost and then unwind as the claim settles. We size it to the peak of your work in progress across concurrent jobs, not to an average month, and set repayments to fall when the certified claims land. Bring us the claim schedule early, subject to serviceability and lender approval.

No. Plenty of contractors fund growth without touching the family home, either through unsecured facilities assessed on trading, or by securing against the access equipment being purchased. Property security does support a larger limit, 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.

Yes, and the practical advice is to arrange it while you are tendering rather than once the material order is due. 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. Timeframes are indicative and subject to lender appetite and approval.

Yes. Many lenders assess established contractors on 6 to 12 months of bank statements and recent BAS rather than full year-end financials, which suits firms whose accounts lag the current run rate. 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, and it is a commercial property deal rather than a working capital one. A fabrication workshop or yard is assessed on the building and your trading together, and getting the contract income 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 workshop property finance 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, we also assist with asset finance and working capital. On asset finance, that covers access equipment, hoists and commercial vehicles for the crew. On working capital, we arrange business overdrafts, lines of credit and work in progress funding. We also arrange workshop property finance if you are buying or refinancing your yard or fabrication premises.