Finance for Tradies

Utes, tools, cash flow and tax bills funded for sole traders and small trade companies.

Call 0401 222 353

★★★★★5.0 from Google reviews

Two tradespeople in high-vis shirts laying brickwork on a residential building site

★★★★★

Joseph Alam

He came from a place of understanding

Getting a loan was difficult for me but not only did Joe get the loan done, he came from a place of understanding. Highly recommend and when I need to refinance at any stage I know who to see.

★★★★★

Will M

Great experience from start to finish

Great experience from start to finish. Joe was professional, responsive and transparent throughout the entire process. He explained everything clearly and made it easy to move forward with confidence. Highly recommend for anyone looking for reliable and trustworthy financial services.

★★★★★

John Safi

Easy the whole step of the way

Dealing with Joe was really easy the whole step of the way. He made it so easy to consolidate all my debts and get the best deals for me.

★★★★★

Jack Roberts

Always gets you a great deal

Great mortgage broker. I have worked with Joe across multiple loans and never had any issues — efficient, professional and always gets you a great deal!

★★★★★

Emilio Ayoub

Smooth and stress-free

Joe was awesome to deal with. Super knowledgeable, easy to talk to, and made the whole process smooth and stress-free. He explained everything clearly and worked hard to get the best outcome for us. Highly recommend Settled with Joe if you're looking for reliability, transparency and quality.

★★★★★

Nick Jr Constantin

Clear and stress-free

Great experience working with Joseph during my home loan application. He was knowledgeable, responsive, and made the whole process clear and stress-free. I really appreciated his support and would happily recommend him to anyone needing help with property matters.

★★★★★

Philip Albert

Actually makes the whole process easy

Highly recommend Settled with Joe if you're looking for a mortgage broker who actually makes the whole process easy. Joe was professional, knowledgeable, and always available to answer questions. He handled everything smoothly from start to finish and helped secure a great outcome without the usual stress that comes with finance.

How lenders look at a trade business

Your income arrives job by job. One month a builder pays three invoices at once, and the next you are waiting on a progress claim while materials, fuel and wages still go out. Lenders who fund trade businesses expect that pattern. They look at your business bank statements, your BAS, how long your ABN has been active and the work you have booked, rather than a payslip.

That gives an electrician, plumber or builder real choice. Many trade files can be assessed full-doc (tax returns), or low-doc or alt-doc (BAS, bank statements or an accountant's letter instead), and the ute, van or equipment you are buying can often secure the loan on its own. Joseph Farhat and his team review your position, match it to lenders across our panel of 90+ bank, non-bank, and specialist lenders, and manage the application through to settlement.

What tradies most often bring to us

A new ute or van for the business

A vehicle used mainly for work can be financed as a business asset and assessed on how your trade runs. The vehicle is usually the security, rather than property. Dealer, private and auction purchases can all be funded, with a check that no finance is still owing on a privately sold vehicle.

Business car loans

Tools, plant and equipment

A mini excavator, a scissor lift, a drain camera or a trailer full of gear can be paid off over its working life. Under a chattel mortgage, the business owns the item from the day it is bought and the lender holds security over it until the loan is repaid. Your accountant can confirm how the GST and tax side is treated for your business.

Equipment and asset finance

Materials and wages before the builder pays

A bigger job often means buying materials up front and paying your crew on time while invoices sit on 30 or 60 day terms. An overdraft limit on your business account, or a short unsecured loan, covers that gap and is repaid when the payment lands. Since 1 July 2026, super has to be paid with each pay run, so trade employers now carry that cost on the same day as wages.

Business overdraft

A tax bill after a strong year

A busy year can leave GST, PAYG instalments (tax paid in advance through the year) and income tax due at the same time. Some lenders will pay the ATO balance in full and let you repay it over a set term. Your accountant confirms the figures first, then Joseph Farhat and his team look at what can be funded.

Tax debt finance for trades

Our pages for trade businesses

Business car loans Chattel mortgage Equipment and asset finance Unsecured business loans Business overdraft Tax debt finance for trades Tax debt finance for builders Home loans Low-doc asset finance Insurance premium funding

Frequently asked questions

Can I get finance if I have only recently started out on my own?

Often, yes. Each lender sets its own minimum time trading. Some give weight to the years you worked in the same trade as an employee before you took out your ABN, and a vehicle or piece of equipment as security can widen the choice. Joseph Farhat and his team will tell you early which lenders will consider your file.

Do I need tax returns, or will BAS and bank statements do?

It depends on the amount and the lender. Smaller vehicle, equipment and unsecured loans can often be assessed on BAS and business bank statements. Larger amounts or sharper pricing usually call for tax returns. Bring what you have, and we will show you what each option asks for.

Do I have to offer my home as security?

Not always. A business car loan or chattel mortgage is secured by the vehicle or equipment itself, and unsecured business loans are sized on turnover and bank statements. Where property is offered for a larger amount, the home is at risk if repayments are not met, so that choice is always yours to make.

Can you help me buy a home on my trade income?

Yes. A home for you and your family is personal lending, which follows different rules from business finance. Our home loans page explains how lenders assess self-employed and ABN income, and Joseph Farhat and his team handle those applications too.

Can you tell me whether to buy, lease or rent my gear?

That decision sits with you and your accountant, because it turns on your tax position and cash flow. We are a finance broker, not a financial adviser or accountant. What we do is set out what lenders on the panel will offer for each option, so you can compare them with your accountant.

Can I finance a ute I am buying from a private seller?

Often, yes. Before paying the seller, lenders check that no finance is still owing on the vehicle and that the seller owns it, and some want an inspection. Joseph Farhat and his team will tell you which lenders on the panel fund private sales for business use, and what they need before settlement.

Access to over 90+ bank, non-bank, and private lenders