Working Capital Finance
We can help when: Banks won’t lend you money .....Don’t have 3 years financials .....You can't provide collateral .....You don't have Pre-salesYour Cash Flow is seasonalHaving shipping or supplier delays
Alternative Business Finance $10k to $25M
Are you seeking non-bank unsecured short-term business finance, or asset trade finance to boost your cash flow?
Capital Raising Unlisted $2M to $20M
Are you seeking equity or debt capital for acquisition, property development, strategic restructure, expansion or leveraged buy-outs?
FUND MY BUSINESS
- Trade and Supply Chain Finance
- Working Capital Unsecured
- Non-bank Line of Credit
- Equipment Finance
BUY A BUSINESS
- Acquisition & Project Finance
- Restructure / Refinance
- Joint Venture Capital
- Leveraged Buy Outs / Ins
INVEST IN BUSINESS
- Property Development
- Innovation and Expansion
- Agri-business and Technology
- Latest Investment Opportunities
Your Fast Working Capital Plan
Submit Details
Complete online enquiry with company info to assess the best option and terms. No credit checks until application.
Multiple Options
Complete online enquiry with company info to assess the best option and terms. No credit checks until application.
Fast Approval
Complete online enquiry with company info to assess the best option and terms. No credit checks until application.
Sign Contract
Complete online enquiry with company info to assess the best option and terms. No credit checks until application.
Your Fast Working Capital Plan
What is Working Capital Finance?
Why companies need Alternative Funding?
5 Benefits of Alternative Business Loans
What is Working Capital Finance?
- Working capital finance is a commercial loan for any business needing a cash injection to maintain its daily operations.
- There are multiple options to secure fast working capital finance through non-bank alternative cash flow loans.
- Working Capital is sometimes required to set up operations, purchase equipment and supplies to generate an income.
- Leverage the required asset via capital finance such as Hire Purchase, Chattel Mortgage or a Finance Lease.
- Working capital finance solutions should include both short and long term strategies to navigate the cash flow highs and lows while driving sales.
- Understanding how and when to use working capital ratio through debt or equity is important for business survive.
- Poor credit history – Banks want to see a company has a track record and a good credit history.
- Bad Debt – Banks want confidence that your can repay the loan. If you have a history of bad debt, including a large ATO debt.
- Failing Business – If your cash flow is lumpy and they believe your business is failing, its likely the Bank will decline your application.
- Bad business plan – Banks like to see a well structured and managed business with a detailed plan for success.
- Too much debt – If your business is over-indebted and exposed to many private lenders, they will not lend you money.
- The business is too risky – If your industry or business model is perceived to be high risk, the Banks will not approval your loan.
- The business is too small – Banks do not like to lend to small businesses with a turnover under $500,000 per year.
- The business is too new – as stated above, a good track record, an acceptable credit history, proven plan with security, plus 3 years financials, are required for bank approval.
5 Benefits of Alternative Business Loans
- Pre-approval can be made granted within an hour (if an algorithm calculation is used). Online settlement can occur within 24 hours.
- Several operating preconditions will affect the approval decision which includes a sector analysis with your application. Therefore, the business owners credit score, time trading and regular turnover are crucial approval factors.
- The main benefit of alternative business lending is an unsecured business loan. Ideal for new business owners trading for 6 months or more with no collateral.
- Expect a higher interest rate over traditional business bank loans, because there is no collateral taken. The alternative business lender is assuming a higher risk over bank funding.
- Alternative business lending is short-term with terms from 3 to 36 months, some with Line of Credit facilities
Short-term Business Loans
- no collateral, protects your assets
- minimum paperwork, no financials
- ABN and trading 12 months plus
- raise working capital finance fast
Property Development Loans
- preferred equity and mezzanine finance
- joint venture and equity contributions
- land banking and DA applications
- construction and take-out funding
Trade & Invoices Finance
- creditor and debtor invoice finance
- professional fee funding solutions
- working capital finance Line of Credit
- trade facilities for import and export
