Business-purpose funding for established Australian SMEsPre-launch: register for funding updates and early access
SME Capital Partners
SME funding resources

Construction business funding checklist

Construction businesses often have cash moving on a different timetable from accounting profit. Progress claims, retentions, materials, subcontractors and payroll can all create timing gaps. The strongest funding conversation starts with a clear project and cash-flow picture.

Current project schedule

Prepare a list of active projects, contract values, expected completion dates, claim milestones and significant variations.

Receivables and retention

Identify aged debtors, expected claim payment dates and retention amounts. Explain material disputes or overdue claims rather than leaving them unexplained.

Materials and subcontractors

Set out the next major cash commitments for materials, subcontractors and payroll. A funding request should be connected to specific upcoming obligations where possible.

Existing finance and security

List equipment finance, vehicle leases, overdrafts and other secured facilities. A lender may need to understand existing security interests and priority.

Tax and statutory liabilities

Where business tax liabilities form part of the funding purpose, prepare current evidence and obtain tax advice separately. Do not assume that refinancing a tax liability changes the underlying tax treatment.

Forward pipeline

Provide signed contracts, awarded work or other credible pipeline evidence where available. A pipeline is more useful when linked to timing, margin expectations and working-capital requirements.

Sources and further reading

General information only. This material does not constitute legal, tax, credit or financial advice. SME Capital Partners is in pre-launch and is not currently offering or approving credit through this website.