Switchboard Finance

Tradie Loan Pack

Get your ute, tools and cashflow sorted — fast. Built for Aussie tradies who don’t have time for paperwork but want the gear to grow.

Low-Doc Options
Fast Approvals
Dealer or Private Sale
ABN > 6 months

Tradie finance shortcuts

What do you need sorted first?

Pick the card that matches your job right now.

Utes & work vans

Low doc vehicle upgrade

Replacing a tired work vehicle or adding another one under your ABN.

See low doc options →

Tools & site gear

Tools, trailers & fit-out

Financing tools, trailers, racks, ladders or on-board power.

See gear options →

Cashflow & bills

BAS, suppliers & wages

Need a buffer while jobs pay out — without touching vehicle funding.

See cashflow options →

Learn more

Why tradies choose Switchboard

Because we speak your language — and move at your pace.

All-in-one simplicity

One pack. One point of contact. We map your ute, tools and cashflow needs — then place each with the right lender for speed and fit.

Low-doc friendly

ABN-only trading, job history, contracts — no problem. We work with lenders who understand how trades really operate.

Speed that matches your jobs

Need it by Friday? We prioritise approvals and settlements so you’re back on the tools, not waiting on paperwork.

Example: ute + tools + small LOC

How a flexible pack keeps jobs moving without cashflow stress.

Low-Doc
Staggered Settlement
Private Seller OK

Who Jake — carpenter (ABN 18 months)

Need $48k dual-cab ute · $22k tools & trailer · $35k LOC for materials

Structure Ute → mainstream asset lender • Tools → equipment lender • LOC → cashflow lender

Timing Vehicle Friday · Tools Monday · LOC active Wednesday

Outcome: All approved in under a week. No downtime, jobs stayed on schedule, cashflow protected.

Tradie FAQs

Straight answers — no fluff. If you’re unsure, ask and we’ll be honest.

Do I need full financials?

Not always. Many tradies qualify under low-doc options such as ABN, bank statements, or BAS. We simply match the lender to how your cashflow actually runs.

Can I buy from a private seller?

Yes. Both vehicle and equipment purchases can be done privately with select lenders, subject to standard ID checks and asset condition requirements.

I’m new on the tools — can I still apply?

Potentially. Prior employment, current contracts, deposits, and asset strength all help. We’ll be upfront about what’s realistic now vs. soon.

Will this hit my credit multiple times?

No. We place your deal with the correct lender first, minimising unnecessary credit enquiries that could impact your credit file.

How fast can this move?

Equipment and vehicle deals can settle within days once docs are ready. Cashflow lines are often same-week.

Can I add more later?

Yes — the pack is flexible. You can stage settlements and mix asset finance modules as you grow, without restarting the entire application process.

Important Finance Terms for Tradies

ABN Low-Doc BAS Cashflow Security Credit Score DTI Ratio Interest Rate Line of Credit Equipment Finance Cashflow Loan Private Sale

Newest tradie guides

Newest in the Tradie Hub

Four fresh, lender-practical reads on FY27 plant, vehicle and low doc asset finance decisions.

01 · New ↗

Low Doc Asset Finance: Your FY27 Plant Plan

How to stage plant and equipment purchases across FY27 without putting unnecessary pressure on business cash flow.

02 · New ↗

Low Doc Vehicle Finance: FY27 Ute and Van Timing

What tradies should consider when deciding when to finance their next work ute or van during FY27.

03 · New ↗

Low Doc Asset Finance: Write-Off vs Pool in FY27

How the write-off and small-business asset pool treatment may affect the timing of an equipment purchase.

04 · New ↗

Lease or Buy an FY27 Ute Before a One Doc Home Loan?

How leasing or financing a work vehicle may affect commitments, borrowing capacity and a later one doc application.

Talk to a Broker Check Eligibility