Stage 2 · Cashflow finance
Cashflow that keeps pace with the order book.
Growth uses cash before it makes it. We size working capital to your real debtor and creditor cycle, so a big contract or a slow month doesn't become a crisis.
Who it’s for
Growing SMEs with lumpy receivables, seasonal trade, a large contract landing, or ATO debt to clear.
What we finance
- Overdrafts and business lines of credit
- Invoice and debtor finance
- Trade finance for imports and exports
- Short-term working capital loans
- ATO debt refinance
How we approach it
- Sized to the real cycleModelled on your current debtor and creditor days, not a rule of thumb.
- Today's trading, not last year'sProjections from your latest management accounts show the lender where the business is now.
- The right tool for the gapShort-term needs on short-term facilities, so you aren't paying long-term debt for a seasonal dip.
The numbers behind it
Cashflow forecasts & projections
A three-way forecast is the clearest way to show a lender why the facility is needed, and how it will be repaid.
Questions
What is the difference between an overdraft and invoice finance?
An overdraft is a limit usually secured against property or the business. Invoice finance advances a percentage of your unpaid invoices and grows with your sales, which suits businesses with strong debtors and little property.
Can I refinance ATO debt?
Yes. Several lenders will refinance a tax debt for a business that is otherwise trading well. A clear plan for staying current with the ATO matters as much as the numbers, so we build that into the application.
How quickly can working capital be approved?
Unsecured working capital from specialist lenders can be quick, sometimes within days. Secured bank facilities take longer because of valuations and security documents. Faster usually costs more, and we show you the trade-off.
Next on the journey
A second site or an acquisition