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)

Turn your unpaid invoices into immediate funds and improve business cash flow.

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% of the value of that invoice, giving you access to funds on the same day rather than waiting for your customer to pay.

02

Then, when your customer pays, you receive the remaining 20%.

03

As you generate more sales and your business grows, your access to funding increases automatically, unlike overdrafts, which are a fixed dollar amount, typically linked to the value of property security.

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

  • Secured by business assets – no reliance on property security

  • No long-term contracts

What this allows you to do:

  • Bridge cash flow gaps

  • Pay suppliers and staff on time

  • Keep ATO commitments on track

  • Take on new opportunities and grow

02. Commercial Loan (Supporting Facility)

We can also 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

Finance

$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