Industries

Finance for the way your industry works

Every industry has its own rhythm of costs and income. Find yours below: the costs we hear about most, the finance that can fit them, and free tools to plan with.

Industry guides

A closer look at your industry

The finance most often used, the free tools that help and the documents lenders usually ask for.

Farming & livestock

Income arrives with the sale of stock or a crop, while feed, seed and wages go out all year. Finance can bridge the months in between.

Costs we often hear about

  • Buying stock, feed, seed and fertiliser
  • Fencing, water and shed infrastructure
  • Tractors, utes and other machinery
  • Buying or refinancing land

Lenders commonly ask for

  • Recent financial statements or tax returns
  • A seasonal budget or cash-flow plan
  • Details of the land, stock or machinery offered as security

Finance that can fit: Agriculture & ruralEquipment financeProperty finance

Plan it first: Plan a seasonal yearBuy outright or finance?

Words to know: working capital, secured loan, LVR, bridging finance

Enquire about farming & livestock finance

Trades & construction

Materials and wages are paid before a job is finished, and progress payments can take weeks. Finance can keep the next job moving.

Costs we often hear about

  • Vans, utes and trailers
  • Tools and plant
  • Materials bought before a job pays
  • Wages between progress payments

Lenders commonly ask for

  • Recent business financial statements or tax returns
  • Quotes for the equipment you want
  • Contracts or invoices for current jobs

Finance that can fit: Equipment financeBusiness loansInvoice solutions

Plan it first: Buy outright or finance?Invoice finance estimator

Words to know: chattel mortgage, balloon payment, invoice finance

Enquire about trades & construction finance

Transport & logistics

Trucks are expensive, fuel is paid today, and customers often pay on 30 to 60 day terms. Finance can spread the big costs and free up cash.

Costs we often hear about

  • Trucks, prime movers and trailers
  • Fuel, tyres and maintenance
  • Waiting 30 to 60 days for customers to pay
  • Growing the fleet for a new contract

Lenders commonly ask for

  • Recent financial statements or tax returns
  • Quotes or details of the vehicles
  • Customer contracts and unpaid invoices

Finance that can fit: Equipment financeInvoice solutionsBusiness loans

Plan it first: Buy outright or finance?Invoice finance estimator

Words to know: lease, balloon payment, invoice finance

Enquire about transport & logistics finance

Hospitality

Cafés, restaurants and venues have busy and quiet seasons, and a fit-out or new kitchen costs a lot up front. Finance can smooth both.

Costs we often hear about

  • Fit-outs and renovations
  • Kitchen and bar equipment
  • Stock before a busy season
  • Wages and rent through quiet months

Lenders commonly ask for

  • Recent financial statements or tax returns
  • Your lease and trading history
  • Quotes for the fit-out or equipment

Finance that can fit: Business loansEquipment finance

Plan it first: Plan your cash flowBuy outright or finance?

Words to know: working capital, line of credit, unsecured loan

Enquire about hospitality finance

Retail

Shops buy stock months before the busy season sells it. Finance can pay for the stock now and be repaid as it sells.

Costs we often hear about

  • Stock for the busy season
  • Shop fit-out and signage
  • Point-of-sale and IT equipment
  • Opening a second location

Lenders commonly ask for

  • Recent financial statements or tax returns
  • Sales history and a stock plan
  • Your shop lease

Finance that can fit: Business loansEquipment financeProperty finance

Plan it first: Plan your cash flowEstimate repayments

Words to know: working capital, line of credit, loan term

Enquire about retail finance

Horticulture & wine

Orchards and vineyards spend all season before a single harvest, and wine can take years to sell. Finance can bridge harvest to sale.

Costs we often hear about

  • Trellis, irrigation and frost protection
  • Harvest labour and contractors
  • Machinery and bins
  • The gap between harvest and payment

Lenders commonly ask for

  • Recent financial statements or tax returns
  • Yield history and a seasonal budget
  • Supply or buyer contracts

Finance that can fit: Agriculture & ruralEquipment financeInvoice solutions

Plan it first: Plan a seasonal yearInvoice finance estimator

Words to know: bridging finance, secured loan, invoice finance

Enquire about horticulture & wine finance

Your industry is not listed?

  • These are examples, not a limit: we look at finance for every industry, and for personal needs too. The Finance Finder matches you in five quick questions.
  • The lists above are general examples of what lenders commonly ask for; every lender decides for itself, and nothing here is a promise of approval or financial advice. Read Before you borrow first.
  • Photos are free public-domain images of real places, not our customers (photo credits).

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