Finance inventory, equipment, imports, supplier payments and receivables for Australian B2B sellers, manufacturers, wholesalers and distributors.
Initial discussion and assessment only. A formal lender enquiry occurs only with your consent.
A B2B supplier had strong sales but long customer payment terms were restricting growth. We structured the debtor book for an invoice financier, releasing cash flow for the next round of orders.
Fund stock purchases, imports and supplier deposits against a clear sales cycle.
Release cash from eligible unpaid customer invoices.
Finance manufacturing, warehouse and materials-handling assets.
B2B operators can be profitable while cash is tied up in stock and receivables. Lenders examine inventory turns, customer concentration, supplier terms, gross margin and the quality of the debtor ledger.
Use asset finance for productive equipment with a multi-year useful life. Use working capital for a measurable timing gap. Use invoice finance where eligible B2B receivables are the main source of delay. Acquisitions and property require a broader structure and more due diligence.
We organise the information, test lender fit and keep the process moving.
Tell us what the money is for, the amount required, timing, turnover and any existing facilities.
We check cash flow, bank conduct, security and documents before choosing a sensible lender option.
We present the purpose, numbers and risks clearly so the lender can assess the deal without avoidable gaps.
We explain the structure, total cost, conditions and trade-offs before you decide whether to proceed.
Options may exist, but lenders usually require stronger owner experience, equity, security or contracts because there is less trading evidence.
Often yes, subject to asset age, condition, valuation and the lender’s remaining-useful-life policy.
Not automatically. Lenders assess the amount, cause, compliance with the plan and whether the new debt improves or worsens the position.
Start with identification, business bank statements, financial statements, debt schedule and evidence of the purchase, contract or cash flow need.
Tell us what you are funding, the amount required and the timing. We will explain the realistic options before you choose whether to proceed.