Finance for Construction Workers
Builders, concreters, roofers, scaffolders, and construction site workers - we connect you with lenders who understand project-based income and the building industry.
Lenders who understand construction industry income
Finance Solutions for Construction Professionals
Construction workers are building Australia future. Whether you are pouring foundations, framing houses, laying roofs, or managing sites, your skilled work creates the homes and infrastructure we all depend on.
At Your Lending Friend, we work with lenders who understand construction employment. They recognise that project-based work is the norm, that contractor arrangements are common, and that skilled construction workers are in high demand.
Whether you need a work ute to get to sites, want to finance tools and equipment, or are looking for personal finance between projects, we can help find options that work with your construction income.
Why Construction Workers Use Finance Brokers
We understand project-based income and gaps between jobs
Access to lenders who accept contractor and subcontractor arrangements
Low-doc options for ABN holders with minimal paperwork
We know how to present variable construction income to lenders
Flexible communication while you are busy on site
Support for both personal and business finance needs
Common Finance Needs for Construction Workers
We help with a range of finance products tailored to your profession
Ute & Vehicle Finance
A reliable work vehicle is essential in construction. We help you finance utes, vans, and dual-cabs with terms that match your income patterns.
Tool & Equipment Finance
Quality tools and equipment are your livelihood. Finance power tools, machinery, and complete kit setups to improve your capabilities.
Personal Loans
Whether for home improvements, family needs, or managing expenses between projects, personal loans can help construction workers achieve their goals.
Business Finance
For construction workers running their own operation - finance for growth, equipment upgrades, or managing cash flow between project payments.
How It Works
Getting finance is simple
Quick Online Application
Complete our simple 5-minute form. We only ask what we need, and checking your options will not affect your credit score.
We Find Your Match
Our brokers review your situation and match you with suitable lenders from our panel of 40+ including specialists who understand your profession.
Get Your Options
We present your options, explain everything clearly, and help you choose the right loan. Many customers get same-day approval.
Get Funded
Once approved, your funds can be available within 24-48 hours. We handle the paperwork and support you through settlement.
Checking your options won't affect your credit score
Benefits for Construction Workers
Why Your Lending Friend works for your profession
Project Income Understanding
We know construction work is project-based. We present your income history to show lenders your consistent earning capacity over time.
Low-Doc Options
Self-employed construction workers can access finance with minimal paperwork - often just BAS statements and bank statements.
Site-Friendly Service
We know you are busy on site. Contact us before or after work, during breaks, or on your days off - we work around your schedule.
Fast Approvals
When you spot the right vehicle or equipment, you need to move quickly. We work to get you approved fast.
Lenders Who Understand Construction Workers
We connect you with lenders who appreciate your profession
Lenders for Employed Construction Workers
Construction workers employed by building companies have access to competitive rates from mainstream lenders who understand the industry.
Lenders for Contractors & Subcontractors
We work with low-doc and specialist lenders who understand ABN income, subcontracting arrangements, and project-based construction work.
Asset Finance Specialists
For work vehicles, trailers, machinery, and equipment - we connect you with commercial lenders who specialise in construction assets.
Questions? We Are Here to Help
Our team understands the unique needs of construction workers. Get in touch to discuss your situation.
Construction Workers Finance FAQs
Common questions from professionals like you
Yes. Many lenders accept subcontractor income. We work with lenders who understand that subcontracting is standard in construction. We will help present your income history to demonstrate your earning capacity.
Not necessarily. We work with lenders who understand project...
Not necessarily. We work with lenders who understand project-based construction work. We look at your income over 6-12 months to show your average earning capacity, not just a snapshot between jobs.
For low-doc options, you typically need recent BAS statement...
For low-doc options, you typically need recent BAS statements, bank statements showing regular deposits, and ID. Full-doc options may require tax returns. We will advise on the best approach for your situation.
Yes. We offer both personal and business vehicle finance. Fi...
Yes. We offer both personal and business vehicle finance. Financing through your ABN can have tax advantages including GST credits and depreciation. We can explain the options.
For employed construction workers with good credit, same-day...
For employed construction workers with good credit, same-day approval is often possible. Self-employed workers may take slightly longer, but we work to get you approved as quickly as possible.
There are no upfront fees to use our service. Our fee is inc...
There are no upfront fees to use our service. Our fee is included in your loan and only applies if your loan settles. We are paid by the lender, not you.
Still have questions? Contact our friendly team