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

Build your pack

Flexible by design — mix & match the parts you need now, add or upgrade later, and stagger settlements to suit your jobs.

  • Mix & Match
  • Low-Doc Friendly
  • Staggered Settlements
  • Add-ons Anytime

Vehicles

Flexible terms

Utes, vans, light trucks — new or used, dealer or private sale. Structure repayments to match your cash cycle.

  • ABN-only & low-doc options
  • Balloon or no-balloon
  • Private seller accepted

Tools & Equipment

Private seller OK

Power tools, trailers, mini-excavators — add gear as you grow. Bundle multiple items in one go or stage deliveries.

  • New or used equipment
  • Often no property security
  • Stage purchases to suit jobs

Cashflow

Unsecured options

Cover BAS, materials and payroll while invoices clear. Keep projects moving and protect your working capital.

  • LOC or lump-sum working capital
  • Fast decisions (often same-week)
  • Top-ups as you scale
1

Pick your modules

Select Vehicles, Tools/Equipment, Cashflow — any combination.

2

Choose timing

Set delivery order & settlement dates to match your jobs.

3

We structure & place

Low-doc friendly. One broker, the right lenders, minimal fuss.

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