What can I actually finance through the Tradie Hub?

Through the Tradie Finance Hub you can finance work utes and vans, trailers, tools, small plant, construction equipment and even cashflow tools like a business line of credit or working capital loan. We map the pathway based on what you need first – vehicles, gear or breathing room with bills.

Do you offer low doc or ABN-only options for tradies?

Yes. If you have a solid ABN history and have been trading for a while, we can often use low doc or alt-doc options instead of full financials, especially for vehicles and equipment. We’ll look at the strength of your profile and match you to lenders that understand tradies rather than just ticking boxes.

How fast can a tradie get approved?

For the right profile, many ute, van and equipment deals can be conditionally approved within 24–48 hours once we have your basic information. Cashflow facilities like a line of credit or working capital loan may take a little longer, but the goal is always to keep your jobs moving rather than waiting on paperwork.

Can I finance used vehicles and second-hand gear?

In many cases, yes. A lot of tradies buy late-model used utes, vans and tools because it keeps costs down. We work with lenders who are comfortable with quality used assets, subject to age, condition and how you use them. We’ll tell you up front what’s likely to be acceptable before you commit to a purchase.

What’s the benefit of using Switchboard instead of going straight to a bank?

Banks usually have one set of rules, while tradies don’t all run the same way. Switchboard works with multiple lenders that understand ABNs, low doc approvals and the stop–start nature of trade work. We compare options for you, explain the trade-offs and help structure the deal around your cashflow so repayments fit between jobs.

For Aussie Tradies

Tradie Finance Hub

Fast, simple finance for utes, vans, tools and work gear — built for real Aussie tradies.

Talk to a Broker Check Eligibility

Who This Hub Is For

Built for the tradies who keep Australia running

Whether you’re on the tools, running your own crew or taking on bigger contracts, this hub gives you clear, simple finance options built for the way tradies work.

Sparkies

Chippies

Plumbers

Painters

Concreters

Landscapers

Roofers

Subcontractors

Tradie finance shortcuts

What do you need sorted first?

Pick the card that sounds most like your job right now.

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Utes & work vans

Upgrade or replace your rig

You’re swapping out a tired ute/van or adding another work vehicle.

See ute & van options →

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Tools & site gear

Tools, trailers & batteries

You’re loading up on tools, racks, trailers or on-board power.

See tools & gear options →

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Cashflow & bills

BAS, suppliers & wages

You need a buffer to cover bills and wages while jobs are paying.

See cashflow options →

Tradie cashflow backup

Keep money moving between jobs

Three simple tools to cover fuel, materials and wages while you’re waiting to get paid.

Want the full picture? Start at the Business Loans hub.

Business line of credit

Flexible buffer for day-to-day

Keep a revolving limit ready for fuel, urgent materials and supplier bills.

Cover short gaps Only pay when you use it

View Business Line of Credit →

Working capital loans

Lump sum for bigger pushes

Use a set amount to take on bigger contracts, extra crew or a busy season.

Fixed term Set repayments

View Working Capital Loans →

Invoice finance

Turn slow payers into cash

Unlock cash from 30–60+ day invoices so you’re not bankrolling every job.

Slow-pay clients Project work

View Invoice Finance →

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Fast Approvals

Get decisions quickly and keep your jobs moving without delays.

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Low-Doc Options

ABN-only, low-doc and streamlined finance designed for tradies.

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Built for Tradies

Specialist finance for utes, vans, tools, trailers and cashflow.

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Trusted by Aussie tradies for fast, simple, no-bullshit finance.

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Explore other finance hubs

Jump to hubs built for other types of business owners.

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Current hub Tradie Finance Hub

Utes, vans, tools & trailers for tradies

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All business types Business Owners Finance Hub

Vehicles, equipment & cashflow for owners

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Cashflow & growth Business Loans Hub

Line of credit · working capital · invoice finance

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Fleet & heavy vehicles Truckie & Fleet Hub

Prime movers, rigids & trailers for truckers

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Medical & dental Whitecoat Finance Hub

Clinic fitouts, devices & vehicles

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Cafés & hospitality Café Finance Hub

Coffee gear, fitouts & cashflow support

Latest Insights for Aussie Tradies

Tradie Finance Australia: Loans, Tools & Ute Finance Made Simple

A complete breakdown of ute finance, tool upgrades and low-doc lending tailored for Aussie tradies.

Tradie Vehicle Finance: Fast Ute & Van Loans for ABN Holders

Learn how tradies are securing fast approvals for new work vehicles without full financials.

The Tradie Cash Flow Trap — Why Tool Upgrades Matter

Falling behind on tools is costing tradies more than they think — here’s how to avoid the trap.

How Much Can Tradies Borrow in 2025?

Loan limits by ABN age, income, industry and equipment type — explained simply.

Finance Options Built for Australian Tradies

Ute & Van Finance

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Get your next work-ready ute or van sorted fast — dual cabs, 4×4s and vans set up for job sites, quoting and hauling gear. It’s a clean way to protect cash flow, tidy your vehicle finance and keep working capital free for materials.

For the big picture on how tradies fund their rigs, start with the cornerstone guide Tradie Finance Australia and the comparison piece Ute vs Van for Tradies.

Built for ABN holders, sole traders and small companies

Options from single utes right through to small vehicle fleets

Can use low doc lending or full-doc depending on your books

Common structures: chattel mortgage and broader asset finance

Go to Vehicle Finance Talk to a Broker

Tools, Trailers & Equipment

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Finance for tools, enclosed trailers, site gear, machinery and scaffolding — using equipment finance, tools & equipment and broader asset finance structures.

Planning a gear upgrade? Check Top Tools Tradies Finance First and how it lines up with your ute or van in Tradie Vehicle Finance Australia.

Dealer, auction and many private sale setups considered

Works for new and used gear that directly earns or protects income

Repayments structured around the asset’s useful life and depreciation

Potential asset write-offs depending on your tax position

Go to Equipment Finance Check Eligibility

Low Doc Tradie Finance

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Low doc finance for tradies who are busy on the tools and light on paperwork — where the deal is built around real cash flow rather than perfect tax returns.

For real-world examples, read Low Doc Car Loan with ABN & No Tax Returns and the broader Low Doc Vehicle Finance for ABN Holders.

Often based on 6–12 months of bank statements and turnover

Useful when financial statements don’t show the full story

Can be used for vehicles, tools and other income-producing assets

Good fit for fast-growing crews reinvesting most of their profit

Go to Low Doc Asset Finance Talk to a Broker

Cashflow Support (LOC, Working Capital, Invoice)

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Use a mix of business line of credit, working capital loans and invoice finance to cover fuel, wages, BAS and materials while you wait to get paid.

To see how they work together, read Business Cashflow System (WCL + LOC + Invoice) and the warning piece Tradie Cashflow Trap: Tools vs Bills.

Helps smooth gaps between paying supplier invoices and clients paying you

Can ring-fence wages and key overheads so jobs don’t stall

Short and longer-term business loan options

Credit limits that refill as you repay

Business Line of Credit Working Capital Loans

Tradie Loan Pack (Complete Setup)

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A bundled plan that covers utes, tools and cashflow in one simple setup — built around your real cash flow, capital needs and credit score, so the whole business moves together.

Want to know what’s realistic? Start with How Much Can Tradies Borrow? alongside the cornerstone guide Tradie Finance Australia.

Combines vehicles, tools, cashflow and equipment finance in one plan

Helps build long-term borrowing capacity instead of random one-off loans

Available in both low doc and full doc versions

Ideal for tradies building a small crew or adding extra vehicles over time

View the Tradie Loan Pack Talk to a Broker

Need Finance for Your Ute, Tools or Work Gear?

Fast approvals. Low-doc options. Real support. Switchboard makes it easy for Aussie tradies to get moving.

Talk to a Broker Check Eligibility