The business expense
Start with the cost you need to fund and indicate how soon it becomes due.
Business financing referrals · Construction businesses
Turn a construction job budget into a funding request.
Materials, plant and labor may need paying for before a progress claim is settled. Explain the project stage, upfront costs and expected payment dates behind your request.
Construction businesses · funding preparation
Consider the gap between purchases and payments
Separate signed work from pending tenders, and include retention or inspection conditions when mapping receipts. Financing repayments would sit alongside the existing costs of delivering the job.
From plan to request
The steps after you begin
The operating record
Add current business details and the revenue, history and credit-range information requested by the form.
The final review
Read the consent and legal information, check your answers and verify your phone to finish the request.
Check the offer carefully
Read the conditions before making a choice
Full cost
Request a breakdown of the provider’s fees, charges and required payments.
Cash-flow fit
Consider how the scheduled payments would sit beside payroll and supplier commitments.
Written terms
Ask the provider to clarify restrictions or obligations that are not clear in the agreement.
Expenses to outline
Business uses to discuss
Job equipment
Owned equipment, hired plant and delivery charges have different cost patterns. Identify what the specific job needs and how long it will be in use.
Project materials
Supplier deposits may be due before materials arrive on site. Work from the specification and delivery schedule, including any staged orders.
Recurring operating bills
Wages, subcontractors and site costs can fall between progress payments. Define the period and obligations the request would cover rather than using the total contract value.
Have the information ready
Details to have at hand
Keep accurate business and owner contact details ready for the application fields.
- 01The purchase, its cost and when payment is due
- 02Time operating and typical monthly revenue
- 03Business sector, trading name and credit range
- 04Your contact information and access to the phone provided
Read this before applying
What business owners should know
What happens to the details I provide?
Submitting allows us to sell the application information to a maximum of five funding partners under the form disclosures. Our referral compensation does not depend on you receiving financing, and the application carries no fee from us.
What determines eligibility?
A completed application does not establish that funding is available. The provider reviews the business and determines whether to offer financing and on what terms.
What affects response timing?
Timing varies with the provider and the information it needs to review. An urgent request does not remove those requirements or guarantee funds by a deadline.
How does the mobile confirmation step work?
The form includes disclosures about data sharing and partner contact. Review them alongside the legal pages, then complete the required mobile-number verification.
Put the plan in writing
Begin with the purchase you have in mind
Bring the purchase budget into an application for consideration by funding partners.