Working capital finance broker for business

Invoice finance and debtor finance

Invoice finance advances a portion of an unpaid invoice as soon as you raise it, so growth is funded by your own sales ledger rather than a wait on 30, 60 or 90-day terms. The remainder, less the fee, follows when your customer settles.

Because the facility grows with your receivables, it suits businesses whose sales are climbing faster than their cash position. We compare it against an overdraft and match you to a lender comfortable with your debtor book and sector.

• Advance rates commonly sit between 80 and 90 percent of invoice value
• Available as confidential or disclosed facilities, depending on customer contact
• Whole-of-book or selective single-invoice structures
• Priced on a discount fee plus a service fee, not a standard interest rate
• Concentration limits apply where one debtor dominates the ledger
• Secured against the receivables ledger rather than property
• Recourse and non-recourse options covering debtor default

Trade finance and import funding

Trade finance pays your supplier for goods before you have sold them, closing the window between settling an overseas or domestic order and collecting from your own customer. The funding is typically self-liquidating, clearing when the stock sells.

We structure the facility around your supplier terms and customer payment cycle, whether that calls for a letter of credit, documentary collection or purchase order funding, and place it with a lender experienced in your trade lanes.

• Covers FX settlement, freight and duty alongside the supplier invoice
• Funding periods commonly 90 to 180 days to match shipping and sales
• Assessed on supplier reliability, trading history and debtor quality
• Can run alongside an invoice finance facility for end-to-end cover
• Trade credit insurance sometimes required on larger orders
• Suits importers, wholesalers and distributors holding stock
• Reduces the deposit drawn from your own cash reserves

Unsecured and secured business term loans

A business term loan gives you a lump sum repaid over a set period, which suits a defined purpose such as a fit-out, an acquisition or consolidating shorter-term debt. Where an overdraft flexes, a term loan gives you a fixed repayment you can budget around.

We match the structure to the purpose and your balance sheet, weighing an unsecured facility on trading strength against a property or asset-secured loan that supports a larger amount at a lower rate.

• Unsecured facilities generally available from 12 months of trading history
• Terms commonly run from one to five years
• Fixed or variable rate, with principal and interest repayments
• Unsecured loans often assessed on bank statements without full financials
• Directors’ guarantees typically required on unsecured facilities
• Early repayment and redraw terms vary between lenders
• Can fund an ATO payment plan where trading supports the repayments

Equipment and asset finance

Equipment finance funds machinery, vehicles, fit-out and technology using the asset itself as security, so you keep your property and cash reserves free for the business. The repayment is spread across the working life of the asset.

We structure it as a chattel mortgage, finance lease or operating lease depending on how you want the asset treated for tax and on the balance sheet, and place it with a lender whose rates suit the asset class and your credit profile.

• Standard asset approvals often returned within 24 to 48 hours
• New and used equipment both fundable, subject to age at end of term
• Low-doc options for established businesses on common asset types
• A balloon or residual payment can lower the monthly repayment
• GST on the asset claimable where a chattel mortgage is used
• Covers utes, trucks, forklifts, ovens, plant and IT hardware
• Private sale and dealer purchases both accepted

Growth capital and acquisition finance

When you are buying a competitor, opening a new site or funding a strategic move, standard working capital products rarely cover it on their own. Acquisition finance builds a package around the purchase, drawing on your cash flow, any property security and the value of the business being acquired.

Goodwill-heavy purchases need a lender willing to assess intangible value alongside tangible assets, so we shape the funding early and combine the right products and lenders around the purchase price and available security.

• Cash-flow lenders assess earnings (EBITDA) rather than property alone
• Vendor finance or an earn-out can bridge part of the purchase price
• Business valuation and add-back analysis inform the borrowing capacity
• Funding may combine a term loan, overdraft and property security
• Suits management buyouts, buy-ins and bolt-on acquisitions
• Personal and company guarantees usually form part of the structure
• Due diligence on the target’s financials supports the application

Our complete list of services

• Open a business overdraft or line of credit
• Release cash from unpaid invoices
• Fund imports and supplier payments
• Take a secured or unsecured business term loan
• Finance equipment, vehicles and fit-out
• Fund a business acquisition or expansion
• Use property security for a better rate and limit
• Smooth seasonal or growth-driven cash flow
• Arrange trade and import funding
• Set up debtor or invoice finance
• Fund a tender, contract or large order
• Consolidate short-term business debt
• Access unsecured funding on strong trading
• Structure a chattel mortgage or lease
• Match the facility to your cash cycle
• Support fast-growing businesses