The gap between jobs is where cash flow dies.
We help you structure funding that covers the space between starting a job and getting paid — so materials, wages, BAS and super never become the problem.
THE PROBLEM
You've finished the job. The invoice is in. The client hasn't paid yet.
Supplier needs payment before next job's materials go out.
Subbies and staff need paying on Friday — regardless.
BAS is due whether you're between jobs or not.
From 1 July 2026, super must hit employees' funds within 7 days of every payday — not quarterly.
ATO's SBSCH closes permanently
The ATO's SBSCH closes permanently 30 June 2026. If you use it now, you need a new system before July.
HOW WE HELP
A funding line that moves with your jobs.
The builders with the steadiest cash flow have one thing in place:
a working capital facility that covers the gap between starting a job and getting paid. Use it for materials and crew. Clear it when the invoice lands.
Cover materials before a job starts
Pay subbies and staff on time
Bridge the gap while invoices clear
Handle BAS and super without stress
Facilities available up to $750,000 — for eligible businesses. Clear decisions. Structured around construction cash flow."
IMPORTANT — JULY 2026
PayDay Super is changing how you pay your team.
Super must be received within 7 business days of every payday.
Quarterly super payments will no longer be compliant.
SBSCH closes 30 June 2026 — you need a new system.
Not sure how this affects your business?
WHY WORK WITH US
We understand how construction cash flow actually works.
We are an SME finance specialist based in Melbourne with extensive experience structuring working capital solutions for trades businesses across Victoria. We understand the gap between what a bank brochure says and what a builder actually needs.
Finance specialist, not just a broker — we understand your full business picture.
Clear decisions — no waiting weeks for an answer.
Structured around your jobs — repayments aligned to how your projects actually get paid.
BOOK YOUR REVIEW
Tell me how your jobs are structured and I’ll tell you straight whether a working capital facility makes sense.
15 minutes. No obligation. No jargon.
Hours
- Mon-Fri 9:00AM - 5:00PM
Fill out the form below and we will contact you as soon as possible!