Progress Claims Finance Australia

Get paid from progress claims the day you write your invoice and get the working capital you need. Progress claims finance helps civil and commercial construction businesses recognise cash early to keep your business growing.

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First Name

Last Name

Phone Number

Loan Amount ($)

Loan Purpose and Any Relevant Information

By submitting this form, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.

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Managing cash flow in construction can be a challenge. Projects often run over long timelines, and subcontractors, builders, and civil contractors are usually the last to see payment. Even when you’ve completed a stage of work and submitted your progress claim invoice, it can take weeks or months before the funds actually reach your account. Progress claims finance provides a practical solution, giving you access to money tied up in approved claims so you can keep your projects moving and your business running smoothly. At Dark Horse Financial, we work with civil and commercial construction businesses across Australia to arrange tailored construction progress funding that matches the needs of your business.

What is Progress Claim Finance in Australia?

Progress claim finance is a type of funding that is designed for the construction industry. You don’t have to wait for your client or head contractor to pay your progress claim. Instead, you can access the funds early from a finance provider. This kind of lending takes into account the fact that construction projects are paid for in stages or milestones, not through a lump sum when they are done.

This is how it works in simple terms:

You can give a progress claim invoice(s) to a lender or finance provider once it has been approved.
Within 24 hours, the lender advances a percentage of the invoice amount to you (typically 80%).
When your customers pay, you receive the balance, minus lender interest and any fees (if applicable).

Enquiry Type

First Name

Last Name

Phone Number

Loan Amount ($)

Loan Purpose and Any Relevant Information

By submitting this form, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.

How Does Progress Claim Finance Help in Construction Projects?

Construction companies need a steady stream of cash to pay their suppliers, workers, and subcontractors. A progress claim loan can help your business by:

Keeping projects on track: You won’t have to stop working while you wait for payments to clear.
Make payroll and other supplier costs: If you can count on your funding, you won’t have to use your savings to pay employees and suppliers.
Building stronger supplier relationships: Paying on time helps keep trust with suppliers, which can lead to better terms for future projects.
Supporting business growth: When you have more working capital, you can take on more work without having to worry about running out of cash.

Enquiry Type

First Name

Last Name

Phone Number

Loan Amount ($)

Loan Purpose and Any Relevant Information

By submitting this form, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.

How Progress Payment Funding Helps Subcontractors with Cash Flow

Progress payment funding offers subcontractors:

Faster access to cash: Turn unpaid invoices into cash in as fast as 24 hours.
Flexibility: Choose which progress claims you want to fund.
Improved working capital: Keep cash flow steady across projects to lower the risk of financial bottlenecks.

Construction invoice finance can be valuable for any business that wants to grow and bring forward their cash recognition.

Progress Claim Finance Options for Civil Contractors and Builders

Civil and commercial construction businesses have to deal with the same problems with long payment cycles, but the stakes are usually higher because their projects are larger. Claims that take a long time to process on major projects can quickly tie up hundreds of thousands of dollars, leaving businesses vulnerable. Options available include:

Single claim funding: Finance a one-off progress claim when you need cash fast.
Ongoing facilities: Set up an arrangement that allows you to finance multiple claims over the course of a project.

At Dark Horse Financial, we help civil construction and commercial construction businesses assess their options and find the right progress claim loan that keeps their projects cash flowed.

Enquiry Type

First Name

Last Name

Phone Number

Loan Amount ($)

Loan Purpose and Any Relevant Information

By submitting this form, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.

Why Choose Dark Horse Financial for Progress Claims Finance?

The construction industry is complex, and so are its funding challenges. At Dark Horse Financial, we specialise in helping civil and commercial construction businesses access finance that works in line with their payment cycles.

Here’s why businesses trust us:

We understand construction cash flow pressures and know which lenders are most supportive of progress claim funding.
We help you find the right facility for your project size and cash flow needs.
We work quickly to arrange funding so you can access cash right when you need it.
We negotiate on your behalf to secure the best rates and terms for your loan.
Our services continue even after loan settlement, making sure to help you as your business evolves.

How to Apply for Construction Progress Funding

If you’re a civil or commercial construction business owner looking to improve cash flow and grow. Here’s how to apply.

Take a minute to fill out our online form. We’ll get back to you quickly for an initial consultation where we talk about your borrowing needs.
Once you agree on a finance solution, we’ll create a lender submission and manage the application process to settlement..
Once approved your facility will typically be available to use within 24 – 48 hours.

Enquiry Type

First Name

Last Name

Phone Number

Loan Amount ($)

Loan Purpose and Any Relevant Information

By submitting this form, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.

Progress claims finance FAQs

What is the difference between invoice factoring and progress claim funding?

At first glance, invoice factoring and progress claim finance might look the same because they both let you access cash that is owed to you early. However, invoice factoring applies to standard invoices, while progress claim funding is designed specifically for construction projects with staged payments.

Who can use progress claims finance?

Builders, subcontractors, and civil contractors of all sizes can use this type of funding as long as they have valid, approved progress claims.

Is progress claim finance available to small builders?

Yes, progress claim financing can be available to construction businesses of all sizes, including smaller ones. Business owners of all sizes can use this type of finance to maintain steady cash flow and take on new projects.

What documents are needed for progress claim funding in Australia?

Typically, you’ll need your financials, current aged payables and receivables, ATO portals, your last 2 BAS and 2 example invoices (1 each from your 2 largest customers).

How quickly can I access funds through progress payment funding?

Once your facility is setup you can submit an invoice for funding and have cash in your account within 24 hours.

Can progress claims finance be used for multiple projects?

Yes. Depending on the facility, you can fund single claims or set up ongoing construction progress funding for multiple projects.

What are the costs of progress claim loans?

Interest rates for finance vary depending on the size of your business, your credit history and the quality of your customers. Dark Horse Financial helps you compare options to find the most competitive rates.