Finance question
Can I get finance to fund a big contract or tender win?
Often yes. Winning the work is the easy part; the cost of mobilising, buying plant and paying crews before the first progress claim clears is what stretches you. We fund that gap either through property equity or by financing the machinery the contract needs, so you can start on time.
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The short answer
A won contract should not stall on cash
A big tender win is a working-capital problem in disguise. You have to mobilise, hire, buy materials and often bring on extra plant weeks before the first invoice is paid, especially on government and tier-one jobs that run 30, 60 or even 90 day terms. Ventas is a broker, so our role is to bridge that gap so the contract starts on schedule instead of waiting on your own cash.
The cleanest route is usually the equipment itself. If the job needs an excavator, a truck, a scissor lift or a new line of machinery, asset finance covers it up to $500,000, often approved in 24 to 48 hours, low-doc or no-doc, secured by the asset. That keeps your cash for wages and materials while the plant earns from day one.
For the softer costs, materials, labour and mobilisation, property-backed finance is the lever. Equity in a home or commercial premises supports a facility at single-digit rates, with no financials on many deals and ATO debt workable, so a strong contract is not held back by a tight balance sheet.
Do you qualify?
What makes a contract-driven deal fundable.
A signed contract
A real award or tender letter behind the funding request.
Plant the job needs
Machinery or vehicles the contract requires can be financed directly.
Equity for soft costs
Property equity covers labour, materials and mobilisation.
A start date to hit
Fast approvals so you mobilise on the client's timeline.
Why we split the funding two ways
Plant on the asset
Machinery the job needs is secured by itself, so it earns as it repays.
Soft costs on equity
Wages and materials draw on property equity at single-digit rates.
Speed to mobilise
Asset approvals in 24 to 48 hours mean you start when the client expects.
A real example
A civil contractor wins a $600,000 council job on 45 day terms. They finance a $180,000 excavator on the asset, approved inside two days, and draw on home equity for crew and materials until the first progress claim lands. The plant is on site the week they mobilise. Illustrative only, subject to lender assessment.
Common questions
Frequently asked questions
Can the contract itself be the security?
The funding is usually secured by the machinery the job needs, or by property equity, rather than the contract on its own.
How quickly can plant be financed?
Equipment finance is often approved in 24 to 48 hours, so you mobilise on the client's timeline.
What if the client pays on 60 or 90 day terms?
That long gap is exactly what a property-backed facility is built to cover until the progress claims clear.
Do I need financials to fund the soft costs?
On many property-backed deals, no. The equity carries the deal, subject to lender assessment.