Finance for Tradies
Electricians, plumbers, builders, carpenters, and all trades - we connect you with lenders who understand trade income, whether you are employed or running your own business.
Lenders who understand trade employment and self-employment
Finance Solutions Built for Tradies
Australian tradies keep the country running. Whether you are an electrician, plumber, builder, carpenter, mechanic, or any other trade professional, your skills are in high demand.
At Your Lending Friend, we work with lenders who understand trade employment. They recognise that tradies can be employees, subcontractors, or business owners - and that all of these are legitimate, stable ways to work.
Whether you need a work ute, want to finance tools and equipment, or are looking for a personal loan, we can help find finance that works with how you earn your income.
Why Tradies Use Finance Brokers
We understand both employee and self-employed trade income
Access to low-doc lenders for ABN holders with less paperwork
We know which lenders accept subcontractor and contract income
Help presenting variable income in the best light to lenders
Save time by not chasing banks while you are on the job
Support for both personal and business finance needs
Common Finance Needs for Tradies
We help with a range of finance products tailored to your profession
Ute & Vehicle Finance
Your vehicle is your mobile office. We help tradies finance work utes, vans, and dual-cab vehicles with terms that suit your cash flow.
Tool & Equipment Finance
Quality tools are essential. Finance new equipment, machinery, or complete tool kits to grow your business or improve your work.
Personal Loans
Whether for home renovations, family needs, or bridging gaps between jobs, personal loans can help tradies manage their finances.
Business Loans
For tradies running their own business - finance for growth, cash flow, or major purchases to take your operation to the next level.
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 Tradies
Why Your Lending Friend works for your profession
Low-Doc Options
Self-employed tradies can access finance with less paperwork. Often just BAS statements and bank statements are needed.
Trade Income Expertise
We know how to present subcontractor income, variable hours, and seasonal work to lenders effectively.
Flexible Communication
We know you are on the tools. Contact us when it suits - evenings, lunch breaks, or weekends work for us.
Fast Approvals
When you find the right vehicle or equipment, you need to move fast. We work to get you approved quickly.
Lenders Who Understand Tradies
We connect you with lenders who appreciate your profession
Lenders for Employed Tradies
Employed tradies with regular payslips have access to competitive rates and straightforward approvals from mainstream lenders.
Lenders for Self-Employed Tradies
We have low-doc and specialist lenders who understand ABN income, subcontracting, and the realities of running a trade business.
Asset Finance Specialists
For utes, vans, trailers, and equipment - we work with commercial lenders who specialise in financing trade assets.
Questions? We Are Here to Help
Our team understands the unique needs of tradies. Get in touch to discuss your situation.
Tradies Finance FAQs
Common questions from professionals like you
Yes. Many lenders accept subcontractor income. We work with lenders who understand that subcontracting is a common and legitimate way for tradies to work. We will help present your income appropriately.
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 - we can explain the options and help you choose what is best for your situation.
Not necessarily. We work with lenders who understand that tr...
Not necessarily. We work with lenders who understand that trade work can be seasonal. We will help present your income history in a way that shows your overall earning capacity.
For employed tradies with good credit, same-day approval is ...
For employed tradies with good credit, same-day approval is often possible. Self-employed tradies may take a day or two 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