Construction & trades
$100,000
A scaffolding business bought equipment to take on more concurrent sites.
- State
- Australia
- Purpose
- Equipment
- Facility
- $100,000
- Term
- 26 weeks
- Repayment
- Weekly
- Decision
- Same-day indicative
- Security
- Facility dependent
Construction & trades
Fund labour, materials and plant to mobilise a job before the first progress claim lands.
Builders and trade businesses win work on their ability to start. SYSTM funds the gap between award and payment so you can mobilise without draining the account.
- Amount
- $20K–$250K
- Term
- 13 or 26 weeks
- Repayments
- Weekly
- Decision
- Within 24 hours*
The cash-flow pattern
Where the cash gets tied up.
You outlay for materials, labour and equipment up front, then wait 30–90 days on progress claims and retentions. Growth ties up more cash, not less.
What we may fund
Capital for the specifics.
Common working-capital needs in your sector. Always subject to credit approval.
Contract mobilisation — labour, materials, plant hire
Bulk material purchases at better pricing
Bridging progress claims and retentions
Tools and equipment for a new contract
Typical scenarios
What it looks like in practice.
Illustrative examples of how operators use short-duration capital. Not a promise of approval.
01
A fit-out contractor funds the first fortnight of labour on a new site.
02
A civil operator buys materials ahead of a price rise.
03
A scaffolding business mobilises a second crew for a larger job.
How assessment works
A fast, human-led read.
- 01
Apply
Tell us about the business and what the capital is for.
- 02
Connect
Provide required financial information through secure connections.
- 03
Assess
Technology helps analyse the business. Credit decisions remain human-led.
- 04
Offer
Receive indicative terms, subject to formal credit approval and documentation.
- 05
Fund
Execute documentation and draw approved funds.
Case studies
A facility in this space.
Repaid
Every business is different. If you operate in construction & trades and have a near-term requirement, the fastest way to find out where you stand is to apply — it only takes a few minutes and there’s no obligation.
Get an indicative offerAnonymised facilities from SYSTM’s book. Figures rounded; no outcomes or returns are implied.
FAQ
Construction & trades funding questions.
SYSTM provides short-duration working-capital facilities from $20,000 to $250,000 for established Australian businesses. The right size depends on your business and how the capital will be used, and is confirmed on credit approval.
We aim to give you an indicative outcome the same business day, and a formal credit decision within 24 hours of receiving a complete file. Timeframes are targets rather than guarantees and depend on how quickly we receive the information we need.
Security is facility dependent. What is required — if anything — is assessed for each facility and set out in your letter of offer. We do not apply a one-size-fits-all rule.
Whether a director guarantee is required depends on the facility and is assessed case by case. Any guarantee will be clearly set out in your loan documentation before you sign.
Repayments are made weekly, typically by direct debit, over a term of 13 or 26 weeks. Every repayment is the same amount. The exact schedule is confirmed in your loan documentation.
Facilities run for 13 or 26 weeks, structured around a defined near-term business requirement rather than long-term debt.
Other industries
Opportunity moves quickly.
So should your capital.
Start an application in minutes or speak directly with SYSTM.
All facilities are subject to credit approval, eligibility criteria and documentation.
All facilities are subject to credit approval, eligibility criteria and documentation.