Sometimes you need additional funds to manage day-to-day cash flow. Other times, there is an opportunity to grow, purchase equipment, replace a vehicle, take on a larger contract or invest in the next stage of the business.
Whether you’re a tradie buying your next ute, a dentist upgrading equipment, a construction company managing the costs of a new project or an established business looking for additional working capital, we can help you understand what finance options may be available.
Businesses seek funding for many different reasons.
You may need additional working capital to manage a temporary cash flow gap, purchase stock or pay suppliers.
You might be ready to purchase a new vehicle, machinery or equipment without taking a large amount of cash out of the business at once.
Or you could be preparing to expand and need capital to take advantage of an opportunity.
We can help explore finance for:
You can have a profitable business and still have periods where money going out doesn’t line up with money coming in. Customers may take time to pay. Wages, suppliers and operating expenses still need to be covered. A new contract might require money upfront before the project starts generating revenue.
That’s where business finance can help.
Cashflow for Business looks at your business, what you need the funds for and your circumstances before exploring suitable options across our lender panel.
Instead of assuming one lender or one type of loan will suit every business, we help identify finance options that fit the purpose of the funding.
A cash flow gap doesn’t necessarily mean there is something wrong with the business.
The timing of income and expenses can create pressure even when sales are strong.
You may have invoices that won’t be paid for another 30 days while wages, rent and suppliers need to be paid now. A growing business can also need more working capital because expenses increase before the additional revenue arrives.
Cash flow and working capital finance can provide additional funds to help manage these periods.
The right finance option will depend on the business, its financial position, trading history, funding requirement and the lender’s criteria.
Rather than sending every application to the same lender, we look at available options and determine which lenders may suit the circumstances of the business.
Sometimes the funding you need isn’t for cash flow. It’s for an asset that helps your business make money.
Cashflow for Business can also help businesses explore asset finance for eligible business purchases.
This could include:
Asset finance can allow a business to acquire the equipment it needs while avoiding the need to pay the entire purchase price upfront.
The finance structure and available options will depend on the asset, business and lender requirements.
Business finance isn’t limited to one type of company.
A plumber may need another ute and equipment to put an additional team on the road.
A builder may need working capital to manage upfront project expenses.
A dental practice may want to purchase new equipment.
A transport business might need another truck.
A retailer may need additional stock before a busy sales period.
Cashflow for Business works with businesses across a wide range of Australian industries. We take the time to understand what you’re trying to fund before looking at the finance options that may be available.
Going directly to one lender means you’re generally looking at the finance products and lending criteria available from that lender.
Cashflow for Business takes a broader approach.
We work with a range of lenders offering different business and asset finance options.
We look at your funding requirement and business circumstances before identifying lenders and finance products that may be suitable.
That can be particularly useful when your circumstances don’t fit neatly within the lending criteria of one bank or finance provider.
Our role is to help you understand the available options so you can make an informed decision about the finance that works for your business.
Start by telling us about your business, how much funding you're looking for and what the funds will be used for.
We look at your circumstances and explore suitable options from our lender panel.
If suitable finance options are available, we'll explain them so you can understand the costs, repayments, terms and conditions before deciding whether you want to proceed.
You don’t need to know exactly what type of business finance you need before speaking with us.
That’s what we’re here to help with.
Tell us about your business, what you’re trying to achieve and how much funding you’re looking for.
We’ll look at the information and help you explore finance options that may be available from our lender panel.
