There are several reasons why you may need to seek finance for your business.   Here are some reasons and available options:

Cash Flow Fluctuations

It’s important to analyse your cash flow because it is arguably the number one reason why businesses seek finance.  Some of the options available for short-term cash flow finance are:

  • Overdrafts
  • Bill Lines
  • Invoice Financing (Also known as Debtor Financing)
  • Trade Credit from Suppliers
  • Lines of Credit
  • Credit Cards
  • Insurance funding (If you have a significant Insurance Premiums each year)

Purchase Vehicles or Equipment

It can be a huge drain on cash flow to replace vehicles, office equipment or plant & machinery.  To avoid this drain on your cash flow you could consider the following finance options:

  • Commercial Hire Purchase
  • Chattel Mortgage

Purchase Property

Depending on your business situation you may want to purchase property for a shop front, factory or storage facility.  Purchasing the property can be a viable alternative to leasing and provides you with certainty into the future.  Some financing options would include:

  • Fully Drawn Advance (Principal & Interest Term Loan)
  • Bill Facilities

Starting or Growing Your Business

Whether you are starting your business from scratch, purchasing a business, or trying to grow your business, there are several finance options available to you such as:

  • Fully Drawn Advance or Term Loan
  • Line of Credit
  • Trade Credit from Suppliers
  • Private Funding
  • Trade Finance

Whatever stage you are at in your business cycle, I can assist you with obtaining the most appropriate finance for that stage of your business.

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