Creating the Right Funding Mix to Unlock Growth

An established importer and national wholesaler with over five years of trading history had built a strong forward order book and was forecasting turnover to double within three years. 

While the business had stabilised and returned to profitability, its balance sheet carried legacy constraints:

• Two General Security Deeds held by a major bank and fintech lender
• A legacy ATO liability  

A broker approached ABL Corp, knowing the solution required more than a standard Invoice Finance facility. 

The directors needed additional working capital to purchase stock and, importantly, the confidence of a funding line that would support sustained growth.

The existing financiers held charges over all business assets to secure longer-term debt. This restricted access to the debtor ledger – the very asset best suited to funding working capital.
Importantly, there was insufficient value within the debtors to fully refinance and clear the existing financiers, meaning a simple Invoice Finance solution would not resolve the position.
Also, using short-term working capital assets to repay long-term debt would have constrained future growth.

Rather than applying a single-product solution, we accessed the broader balance sheet and structured a funding mix aligned with the business model. 

We provided: 

• $550,000 Commercial Loan 
• Secured at 45% against inventory 
• Structured as a long-term Principal & Interest facility 
• Used to refinance existing secured lenders and release their charges 

This strategy freed up the debtor ledger to support a $750,000 Confidential Invoice Finance facility, creating an ongoing working capital line aligned with growth. 

We deliberately avoided using debtor finance to clear long-term debt. Debtors should fund future trading activity – not legacy liabilities. Getting the funding mix right was critical. 

This level of additional lending is something very few lenders would support.

The business already had strong internal bookkeeping. Rather than replace what worked, we implemented oversight that strengthened performance without disruption:

• Ongoing financial visibility using our systems and IP 
• Monthly insights reporting
• Strategic observations shared with directors 
• An experienced second set of eyes on performance 

We monitor, not manage, providing clarity and confidence while enabling larger funding than most lenders. 

This scalable oversight gives us the confidence to fund more, while giving directors greater clarity and control over their numbers.

• Legacy debt refinanced 
• Security released 
• $1.3M total funding structure implemented 
• Working capital aligned to trading cycle
• Capacity created for forecast growth
• Ongoing financial insight supporting performance

The result wasn’t just additional funding. It was a smarter structure, stronger oversight, and a funding partner built to support long-term growth and help the business reach its full potential.