Business Cashflow
Lending
Cash flow lending is a flexible finance solution designed for established businesses with strong and consistent trading performance. Unlike traditional lending, which often relies on property or other physical assets as security, cash flow lending is assessed primarily on your business's ability to generate ongoing income and profits.
This type of funding can be particularly beneficial for businesses seeking growth capital, acquisitions, working capital or strategic investment opportunities where property security may not be available or desirable.
Cash flow lending can be used to:
Fund business expansion and growth initiatives
Support acquisitions and management buyouts
Improve working capital and liquidity
Finance new projects and opportunities
Refinance existing business debt
Strengthen business cash flow during periods of growth
Lenders assess a range of financial indicators when evaluating a cash flow facility, including profitability, debt servicing capacity, earnings performance and overall business sustainability. Facilities may include financial covenants designed to ensure the business maintains agreed performance benchmarks.
Our role is to help you navigate these requirements, present your business in the strongest possible light and identify lenders whose credit policies align with your commercial objectives.
Through a detailed review of your financial position, business structure and growth strategy, we can help secure funding solutions that provide the flexibility and capital needed to support your next stage of growth.
For businesses with strong cash flow and ambitious plans, cash flow lending can unlock opportunities without relying on property security or unnecessarily tying up personal assets.
Looking to boost your working capital with cashflow lending?
Let’s explore how this financing option can support your business's growth and operational needs.
OUR SERVICES
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Residential Lending
Residential Lending can be overwhelming within such a competitive environment. With so many options in the marketplace, what is most suitable for you? We can take all the stress out of the process. With our simple yet thorough pre-qualification discussion we can let you know what your options are in very little time. Whether you are purchasing property, investing, refinancing, consolidating debt or something else, we can support you with the right solution for your situation.
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Commercial Finance
Commercial finance is not a standard home loan process. Depending on the nature of the transaction there will be different requirements before simply lodging an application. We have extensive experience with commercial loans. Whether you are embarking on a development project, building your commercial property portfolio or growing your business we can cater for all scenarios. Our very thorough pre-qualification process will ensure you are focused on the right solutions from the beginning.
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Asset Finance
Asset finance can be a good option to purchase assets now whilst maintaining cashflow. Equipment finance options put the latest technology and machinery to work in your business. We use the equipment as the security so you can finance, hire or lease the latest models without tying up your other assets.
Corporate finance deals with the sources of funding and the capital structure of corporations. We are well placed to support corporate clients with any financing needs, given our very strong relationship with all corporate finance providers in the marketplace.
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SMSF Finance
An SMSF loan, or Limited Recourse Borrowing Arrangement (LRBA), allows you to use funds within your self-managed super fund (SMSF) to acquire investment properties. By borrowing through your SMSF, you can purchase assets like real estate or shares, with the loan secured against a single asset. This strategy helps Australians invest in residential, commercial, and industrial properties using their super funds.
SMSF loans offer significant benefits, providing control over retirement planning and enabling property investment. They offer diverse options, from residential to commercial and industrial properties, and can even be used to purchase business premises, providing long-term security for your operations. SMSF finance empowers you to manage retirement savings effectively while exploring property investment opportunities.
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Development Finance
Development finance provides specialised loans for residential or commercial projects, helping you undertake property development without substantial cash upfront. These short-term loans (6-24 months) cover land acquisition, construction, and renovation costs, whether building from scratch, converting, or refurbishing properties.
Key features include alignment with project timelines and flexible interest structures, often rolled up or capitalised to ease cash flow during construction. Development finance is ideal for developing property for resale, investment, or personal use.
