We fund every industry, because we are not lending against the industry
There is no excluded-industry list here, and no sector grading that decides an application before anyone reads it. We lend against equity in Australian real property for a genuine business purpose, and a café and a civil contractor with the same security borrow the same amount on the same terms.
See if you qualify in sixty seconds. No credit check to apply, no financials, no payments for the first six months. That's the HomeSec Advantage.
See if you qualifySo why a page for each one?
Because the credit policy is identical and the cash cycle is not. A cleaning contractor carries eight weeks of payroll permanently. A retailer's money is locked in stock bought two seasons ahead. A farm earns once a year. A smash repairer is paid by an insurer long after the parts account falls due. Those are genuinely different problems, they need money at genuinely different moments, and the page for each one is written from that rather than from a template with the industry name swapped in.
Builders and developers
Progress claims certified and unpaid, retention held, a head contractor in trouble.
How it works in this industry →Tradies and contractors
Wages weekly, invoices at sixty days, and a bigger contract that needs funding first.
How it works in this industry →Cafés, restaurants and pubs
A leased venue, a seasonal year, and equipment that stops service when it fails.
How it works in this industry →Transport and logistics
Fuel weekly, freight paid in sixty days, and a truck that is not earning while it is in a workshop.
How it works in this industry →Retail
Stock bought a season ahead and sold in the month that pays for the year.
How it works in this industry →Manufacturing
Raw material at the start of the cycle, an invoice at the end of it, and plant that cannot be worked around.
How it works in this industry →Agriculture and farming
Costs all year, income once a year, and inputs that are cheapest when cash is furthest away.
How it works in this industry →Professional services
Work in progress, a slow ledger, and a partner buy-in with a completion date.
How it works in this industry →Medical and health practices
Equipment that closes a room when it fails, and a buy-in that completes on a fixed day.
How it works in this industry →Automotive
Parts bought today, an insurer paying in sixty days, and a parts account about to stop.
How it works in this industry →Childcare and early learning
Wages fixed by ratios, subsidy income in arrears, and compliance works with deadlines.
How it works in this industry →Beauty, fitness and wellness
A fit-out sunk into someone else's building and a calendar that decides the quiet quarter.
How it works in this industry →Cleaning and facility services
Six to ten weeks of payroll carried permanently, and a new site to mobilise.
How it works in this industry →Mining and resources contractors
Mobilisation before the first claim, and sixty days from end of month after it.
How it works in this industry →Wholesale and distribution
A container paid for before it ships and sold on terms after it lands.
How it works in this industry →The list is the industries that call us most often, not the industries we fund. Franchisees, labour hire, events, security, waste, print, IT services, education, tourism, fishing, aquaculture, funeral services, veterinary, marine, aviation — all assessed on exactly the same four things. An active ABN, a genuine business purpose, Australian real property with enough equity, and a credible way the loan is repaid. 1300 93 83 87, Mon–Fri, 8:30am – 5:30pm Melbourne time.
Questions about lending by industry
Which industries does HomeSec lend to?
Does my industry change what I can borrow?
Does my industry change the price?
My industry is not listed. Can you still lend?
Do you lend to businesses banks class as high risk?
Is there a minimum trading period or turnover for any industry?
See if you qualify in sixty seconds
Three short questions, no credit check to apply and no financial statements. A Lending Manager reads it and calls you back with a real answer — not a call centre, not an algorithm.
That's the HomeSec Advantage.
Reviewed by Paul Stone, Joint Chief Executive