Types of Funding

Get powerful funding solutions to meet your business needs

How funding is structured

We provide two core funding solutions, depending on what your business needs.

Apply for Funding

01. Invoice Finance (Working Capital)

We provide two core funding solutions, depending on what your business needs.

How does invoice finance work in 3 simple steps?

01

When you raise an invoice for goods delivered or services performed, we can advance up to 80%, giving you access to funds on the same day.

02

When your customer pays, the remaining balance is released.

03

As new invoices are raised, your funding continues, creating a revolving source of working capital that grows with your business.

Key features:

  • Ongoing, revolving access to working capital

  • Funding increases as your business grows with no need to renegotiate limits

  • Confidential – your customers don’t see it

What this allows you to do:

  • Bridge cash flow gaps

  • Pay suppliers and staff on time

  • Keep ATO commitments on track

  • Take on new work and grow

02. Commercial Loan (Supporting Facility)

Where required, we can provide additional funding to support your overall structure.

This is only available alongside the invoice finance facility and is used to provide even more working capital as part of a broader flexible business funding structure.

Key features:

  • Secured against business assets and/or property

  • Flexible repayment options

  • Structured to work alongside your invoice finance facility

  • No long-term lock-in, flexible to suit your business

Case Studies

Monitoring

$1.3M funding structure unlocked

An established importer needed working capital to support growth, but existing lenders had locked down their balance sheet.

We restructured their funding using inventory and receivables, releasing security and creating a $1.3M facility aligned to how the business actually operates.

The result: More working capital, a stronger funding structure, and the capacity to support future growth.

View Case Study

Asset Balance Sheet Eligible Amount Advance Rate Maximum Advance
Accounts Receivable (Debtors) $100,000 $80,000 85% $68,000
Inventory $50,000 $40,000 50% $20,000
Plant & Equipment (Equity) $100,000 $80,000 60% $48,000
TOTAL LIMIT $200,000 $136,000