Quick answer
Tiling contractors can borrow $20,000 to $50,000 secured on property, with no formal valuation and no cash flow evidence. It covers materials, wages and the gap before a builder or homeowner pays, and can be funded in as little as 24 hours once approved.
Key points
- Loans of $20,000 to $50,000 secured on property.
- Covers tile, adhesive, tools and labour while you wait to be paid.
- No bank statements or cash flow evidence.
- Prepaid interest first, then weekly repayments.
- Typical use
- Materials, tools, labour, vehicle costs
- Security
- Property equity
- Loan size
- $20,000 to $50,000
- Speed
- As little as 24 hours once approved
Tiling is a trade where the materials cost real money before you earn a cent. A large apartment job might need pallets of tile, adhesive, grout and waterproofing delivered upfront. The client or builder pays later, often in stages, and sometimes slowly. In between, the tiler carries the cost.
Why tiling cash flow is lumpy
- Materials come first. Tile suppliers want payment on account terms or upfront, and large orders are often special order.
- Stage payments. Waterproofing, wall tiles and floor tiles may be paid separately, each at the builder’s pace.
- Rework risk. A fault from another trade can delay your work or force a return visit you cannot charge for.
- Seasonal swings. Renovation work is busier at some times of the year than others.
- Equipment. Wet saws, levelling systems and mixers are costly, and good tools matter.
A cash flow lender looks at your last three months of deposits and sees the gaps. A secured loan looks at your property.
What a tiler’s loan can cover
- A large tile and adhesive order for an upcoming job.
- Wages and super for tilers and labourers.
- New tools or a levelling system that lifts productivity.
- A ute or trailer repair, or a second vehicle.
- Insurance renewals and licence costs.
- An overdue supplier account that has put you on stop credit.
- A BAS bill from a busy quarter.
How it works
Amounts start at $20,000 and reach $50,000 backed by property, capped at 80% for residential and 70% for commercial once debts are deducted. A formal valuation is not needed to begin, cash flow evidence is not asked for, and funding can happen in 24 hours once approved. Read more on fast small business loans.
A worked example
A tiling company wins a thirty-unit apartment job. The first delivery of tile, adhesive and waterproofing costs $23,000, due on delivery, and the builder pays on completion of each floor. Wages for the crew are another $9,000 a fortnight. The director owns an investment property worth about $650,000 with $280,000 owing. Raising $35,000 against the property funds the first delivery and two pay runs. Up to three months of interest paid ahead means no repayment is due until the first floor is paid. The example is illustrative and does not constitute an offer.
Tips that keep tiling cash healthy
- Order tile with a deposit from the client, especially for special orders.
- Agree stage payments in writing before you start.
- Keep photos of completed stages to support invoices.
- Set GST aside as each payment arrives.
- Ask suppliers about account terms before you need them.
Repayments
Borrowers can prepay up to three months of interest, and the weekly repayment schedule starts once that period ends. Most tilers repay from cash flow as stage payments arrive. Details are in prepaid interest and weekly repayments. Compare the all-in cost and ask whether early repayment is possible.
Pricing and payment terms that protect you
Tiling quotes should show materials separately from labour so that a price change on tile does not eat your margin. Ask for a deposit that covers special-order tile, and never order a custom run without one. Agree the waterproofing inspection and sign-off process before you start, because it controls when the next stage can be claimed. For large jobs, ask whether the client will pay progress claims fortnightly. If a payment is late, remind politely and keep your photos of completed work to hand.
When a secured loan is better than supplier credit
Supplier credit is cheap when it is available, but it can be withdrawn. A secured loan is a more stable source of working capital because it does not depend on your supplier’s view of your account.
Keeping tools and vehicles working
A wet saw that fails on site stops the job, and a ute breakdown stops the day. Plan a maintenance schedule for your key tools, keep a spare blade and mixer paddle in the van and service your vehicle on time. If something major fails, a quick secured loan can replace it fast. Keep receipts for tax purposes, and ask your accountant about depreciation on larger tool purchases.
Apply
The application form asks for your amount, your property details and your business name. A person will call you. Compare total costs and read the contract before you sign. Information on this page is general, and a loan is only offered after assessment.
Frequently asked questions
Can tilers borrow without bank statements?
Yes, because the loan is secured on property we do not ask for evidence of cash flow.
Can I fund a large bathroom or apartment job?
Yes. The loan can cover tile and adhesive for the job while you wait for stage payments.
What if a client disputes my invoice?
A dispute can freeze your cash for weeks. A short loan keeps you trading while it is resolved. Get advice on the dispute itself.
Do you lend to sole traders?
Our loans are for companies. Ask before applying if you trade another way.
Is the loan limited to $50,000?
On the fast path, yes. For more, the application has a second path with a few extra questions.