Business Loans & Cashflow
Funding that moves with the ledger.
Working capital, overdrafts, trade and import finance, and debtor finance — sized to the working capital cycle rather than to a number that looked comfortable at application.
- Secured and unsecured
- Property and non-property backed
- Facilities that scale with turnover
What this covers
Working capital and term loans
Funding for expansion, acquisition, equipment deposits, or simply smoothing a lumpy quarter. Secured against property or unsecured against trading performance.
Overdrafts and lines of credit
Revolving facilities for businesses with genuine seasonality, where a term loan would be the wrong shape.
Trade and import finance
Funding the gap between paying a supplier — often offshore and up front — and being paid by your customer.
Debtor and invoice finance
Advancing against your receivables ledger, typically 70–90% of approved invoices. Disclosed or undisclosed depending on how you want it to sit with customers.
How it gets structured
Cashflow lending is priced on risk and assessed on evidence. The structure question is almost always about matching the facility to the cycle it's funding.
- Match the facility to the cycle
- A term loan repaying monthly against a seasonal business creates a problem it was meant to solve. Revolving facilities cost more per dollar drawn but only when drawn.
- Secured against unsecured
- Property security materially lowers the rate and lengthens the term. If there's equity available and you're comfortable using it, that's usually the difference between an expensive facility and a sensible one.
- Debtor concentration
- For invoice finance, a ledger where one customer is 60% of turnover is assessed very differently to one spread across thirty. Concentration limits, not just the advance rate, determine what you can actually draw.
- The real cost
- Establishment fees, line fees on undrawn limits, and minimum drawdown periods often matter more than the headline rate. We'll set out the total cost over the facility's realistic life.
What we'll need
Cashflow funders assess trading performance, so recent data matters more than historical financials.
- Six to twelve months of business bank statements
- BAS lodgements and ATO integrated client account statement
- Last two years financials and tax returns
- Year-to-date management accounts
- Aged debtors and creditors listing
- Director identification and statements of position
- Details of existing facilities and any security already granted
Where this gets difficult
Cashflow lending is the most performance-sensitive product we place. These are the flags that narrow the panel sharply.
- Unmanaged ATO debt, particularly with no payment arrangement
- Recent defaults, judgments, or director bankruptcies
- Declining revenue across consecutive periods without an explanation
- Heavy existing short-term debt, especially stacked merchant advances
- Under twelve months trading with no property security
Tell us the scenario.
We respond within one business hour, 8am–6pm ACST. If it isn’t fundable we’ll say so, and tell you what would need to change.
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