Business loans for solar installers

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. An installer's value sits in work in progress and committed stock, not in a full order book on the balance sheet, so a generalist credit desk often reads the lumpy income and the gap before STC settlement as risk rather than a funded pipeline. Our job is to know the bank and non-bank lenders, more than sixty across our panel, that fund project work in progress and stock the way solar actually trades, so you are not putting the case to each one yourself. We stay on as the crew grows and the jobs get larger, shaping each facility around the next stage. 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 stock or working capital limit of $100K to $500K. Secured facilities, backed by property or plant, support larger amounts and generally price lower than unsecured, and make sense once you are funding an acquisition or a big commercial project. Most established installers 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. Stock and work in progress are read as funded assets, so a strong pipeline and committed jobs support a larger facility than turnover alone would suggest. 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 installers come to us. Buying a container of panels, inverters or batteries at volume pricing ties up cash weeks before the jobs settle, so we arrange a revolving line or a short-term facility sized to the committed pipeline. It refills as customers pay and stock turns, and interest is charged only on the drawn balance. The practical advice is to open the limit when you are planning the order rather than when the invoice is already due.

By sizing the facility to the work in progress and the labour you carry, not just the stock. On a run of jobs the cost base and the interest keep running while the STC assignment clears and the customer settles, so the facility needs to carry both. We set repayments to land as the rebate assignments and customer payments come in, and structure it as a revolving line where the pattern repeats across jobs. Bring us the pipeline and the payment timings early, subject to serviceability and lender 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 installers whose accounts lag a fast-growing run rate. It works best where the trading account shows regular 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, where the trading supports the repayments. A busy run of installs can leave a BAS or PAYG bill due before the customer payments and STC assignments have all landed, and several lenders will fund an ATO position or an existing payment plan when it is disclosed and being met. We present the trading and the pipeline so the lender sees the timing rather than a red flag, and we size the facility so the bill is cleared without starving the next stock order. Every figure is subject to serviceability, lender appetite and approval.

Yes, and it is a commercial property deal rather than a working capital one. A light industrial unit with warehouse and yard suits a growing installer holding panel and battery stock, and owning it takes a rising rent out of your cost base while building an asset alongside the business. Owner-occupiers can generally borrow a higher proportion than a passive investor would. Our commercial property team handles these end to end through our light industrial property finance service.

Yes, and the vehicle or equipment is normally the security rather than your property. Commercial vehicle finance covers the vans and utes your crews drive, and elevating work platforms and roof access gear can go on the same kind of facility, new or used. Terms are typically matched to the working life of the asset, and established businesses can often be assessed on bank statements and BAS rather than full financials. Keeping the fleet off your overdraft leaves the working capital line free for stock and labour, and dealer and manufacturer programs are available too, which we compare against a bank facility.

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 warehouse or base, we also assist with vehicle finance for solar install crews and working capital. On asset finance, that covers vans, utes and fleet along with elevating work platforms and roof access gear. On working capital, we arrange business overdrafts, lines of credit and stock and cash flow funding. We also arrange commercial mortgages if you are buying or refinancing a light industrial workshop and warehouse.