Practical Credit Assessment
We maintain an experience-backed, practical, and flexible approach to credit that relies on human commercial insight rather than automated boxes.
ABL Corp was established when we saw a clear gap in the market: a genuine lack of understanding regarding the day-to-day cash flow and finance challenges faced by SMEs. We saw that the difficulty small-to-medium businesses faced in obtaining adequate funding was holding back their growth and creating immense, avoidable financial stressors for owners.
The root cause of this disconnect was clear. Instead of lending decisions being made by commercially experienced professionals who understood business operations, funding applications were being pushed through rigid systems, often with incorrect financial data provided to lenders. This resulted in paperwork that completely failed to reflect the true financial position of the business or its future capability, leading to rejections that kept business owners in a holding pattern with no clear pathway out.


To fix this systemic issue, ABL Corp stepped into the market, utilising our extensive backgrounds in commercial lending, working capital finance, and commercial management expertise. We began by delivering practical invoice finance and working capital solutions designed to resolve immediate cash flow gaps.
Over time, our business journey evolved to meet the broader operational needs of our clients. To scale our impact, we made targeted strategic acquisitions, incorporating dedicated bookkeeping, business advisory (CFO), and an IT solutions division into our capabilities. This expansion increased our operational capability, directly advancing our core desire: to improve the financial well-being of SME owners and reduce the stress that financial pressure can place on business owners and their families.
We have built a business model that treats funding as a long-term partnership rather than a one-off transaction.
We maintain an experience-backed, practical, and flexible approach to credit that relies on human commercial insight rather than automated boxes.
We focus on being a commercial, responsive, and relationship-driven funding partner that moves at the speed of your business operations.
We build client relationships on mutual trust and deep operational understanding, continuing to support Australian SMEs through both growth periods and challenging trading conditions.
| 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 |