Apply
Submit your application or speak with a Surge specialist about your situation.
Funding solutions for construction projects under pressure.
Specialist finance to stabilise delayed or distressed construction projects — and keep work moving.
- Over 10yrs responsible lending
- Fast funding in days, not months
- Loans from $50K to $50M
- Up to 80% LVR
When projects stall, timing is everything.
In construction, small delays can turn into serious problems. Payment disputes, cost overruns, withheld progress claims, or lost financing can bring a site to a halt — putting contracts, reputations, and jobs at risk.
Surge Finance provides short-term, secured funding to stabilise distressed projects. Whether you need to complete works, cover unpaid subcontractors, or refinance a defaulted facility, we can deliver practical solutions fast, with funding available immediately.
Helping you steady the build
Our construction finance facilities are designed for builders, developers, or directors managing stalled or financially distressed projects.
Fast approval and settlement
Typically within 1–5 days.
Keep projects on track
Use funds for subcontractor payments, materials, or project completion.
Flexible and case-specific
Defaults, delays, and incomplete projects considered individually.
How We Get You Funded
Responsive funding to get your project back on track.
- 1
- 2
Assessment
We review your project position, security, and completion requirements.
- 3
Approval
Confirm property valuation and finalise documentation.
- 4
Settlement
Funds are released within 24 hours after settlement.
Stabilise your project and move forward with confidence.
- Money available from 24h of approval
- Choose 1–12m Term flexibility
- Over $300M Funding to Australian SME
Protect your project’s value.
Apply online or talk with a specialist about short-term construction funding options.
Frequently Asked Questions
Aim aim is to make securing important funding for your business feel simple and straightforward. Our team is on hand to help navigate the details.
What is distressed construction finance?
It’s short-term funding designed to assist projects facing financial or operational difficulties, such as cost overruns or delayed progress payments.
Who can apply?
Builders, developers, or directors managing a stalled or financially constrained project.
What can the funds be used for?
Paying subcontractors, purchasing materials, completing milestones, or refinancing an existing construction facility.
Do you consider incomplete or defaulted projects
Yes — each project is assessed individually, focusing on asset security and completion potential.