Power Up Your Business
Fast approvals for vehicles, tools and equipment—so you can win more jobs and keep cash flow humming. Sparky Loans helps electricians across Australia access business finance without the paperwork headache.
No obligation. Same-day pre-approvals available.
Risk-Free Calculator Quote
Get your instant quote with no impact on your credit score. No obligations, no contact details required, just transparent pricing.
Sparky Finance Calculators
Choose the finance option that best suits your needs. Get instant quotes with same-day pre-approval for Australian electricians.
Vehicle & Equipment Finance
Finance for electrical equipment and tools
- •Up to 7 year terms
- •Rates from 6.69% p.a.
- •For ABN holders
Business Loan
Unsecured business loans for growth
- •No asset security
- •Up to $500,000
- •No early penalties
Personal Finance
Personal loans and vehicle finance
- •Unsecured loans
- •Asset-backed options
- •Competitive rates
Secure & Licensed
Authorised under Australian Credit License
No Hidden Fees
Transparent pricing, no surprises
Instant Answers
Get a free instant quote online
Expert Service
Electrical industry specialists
Trusted by electrical contractors, maintenance teams and solar installers nationwide
50+ Australian lenders
Still wiring your cash flow with sticky tape?
Finance built for sparkies. We source sharp, tax-effective funding and handle the paperwork end-to-end—so you stay on the tools.
Lumpy Cash Flow
Progress payments and slow payers creating cash flow headaches.
Aging Fleet
Old utes & vans costing you time and damaging your reputation.
Tools & Equipment
Need test gear and tools now, but capital's tied up in other jobs.
Paperwork Paralysis
Every finance application becomes a paperwork nightmare.
Finance Solutions Built for Sparkies
Vehicle Finance
Utes, Vans & EVs
- • New or used, dealer or private sale, ABN or personal borrowers
- • Balloon/residual options to lower monthly repayments
- • Accessories can be bundled
Equipment Finance
Tools, Plant & Tech
- • Test & tag kits, switchboard gear, scissor lifts, EWP
- • Bundle accessories, software and installation
- • Private-sale and auction OK
Business Finance
Working Capital
- • Cash flow smoothing, materials pre-purchase, payroll
- • Secured or unsecured options, line of credit
- • Trade, invoice and debtor finance available
- • Suits sole traders, companies, trusts and partnerships.
Trusted by Australian Electricians
Don't just take our word for it - see what our clients say about their experience with Sparky Loans
"Exceptional service from James! I needed a loan, and he not only sorted it out within a day but did so with remarkable efficiency and professionalism. He ensured everything was in place before going on leave, demonstrating his commitment and dedication to his clients."
Business Owner
Sydney
Equipment Finance
"James and the team provided fantastic service for our small business. James is honest and friendly and has an in depth knowledge of the lending market. I can highly recommend contacting them."
Small Business Owner
Melbourne
Business Loan
"Have known James for a few years now, and he is one of the best people to work with. James is intelligent, articulate, detail oriented, and super fast. Just a very sharp and efficient guy."
Electrical Contractor
Brisbane
Vehicle Finance
"Couldn't have asked for better support from James and the team. Their advice, speed and quality of service was excellent - highly recommend to anyone seeking funding."
Trade Business Owner
Perth
Equipment Finance
"Great experience - the team helped me navigate my funding options and I'm really happy with the outcome."
Electrician
Adelaide
Personal Loan
Case Study
$150k for upfront job costs approved within 6 hours
Revolving $150k facility allowing client to draw, repay and reuse throughout the job to fund upfront job costs and bridge the cashflow gap until they got paid.
Case Study
$500k for debt restructure & cash injection
ATO payment plan and another lender refinanced with additional $285k cash injected into the business. Even with additional funding, monthly repayments reduced by $16.1k per month due to longer loan term.
Case Study
$55k for new ute - PAYG employee
Same day approval for an employed sparky. Approval amount known before approaching the dealership allowing them to select the vehicle and pick up same day.
Why Sparky Loans
Fast turnarounds
Same-day pre-approvals available
Doc-lite options
Bank statements only up to set limits
Electrician-specific deals
We speak your language
50+ lenders compared
For structure, term and total cost
ATO debt or paid defaults?
Considered on a case-by-case basis
Expert Finance Guides for Sparkies
In-depth guides covering equipment finance, business loans, and tax strategies for Australian electricians
Vehicle & Equipment Finance for Electricians: Complete Guide 2025
Everything you need to know about financing electrical vehicles and equipment. Tier-based pricing, tax benefits, and real case studies from Australian sparkies.
Van Finance for Electricians: Australia 2025 Guide
Complete guide to financing work vans and utes. Compare options, understand requirements, and get the best deal for your electrical business.
Tax Benefits of Equipment Finance for Electricians 2025
Maximise your tax savings with equipment finance. Instant asset write-offs, depreciation strategies, and GST benefits explained.
Sydney Electricians Equipment Finance Guide 2025
Local guide for Sydney sparkies. Equipment needs, suppliers, regulations, and finance options specific to the Sydney electrical market.