Business Finance
Business finance should solve a business need.
The right facility should support cash flow, capacity or growth without placing unnecessary pressure on the business.
Secure Lending Solutions helps Australian business owners match the purpose of funding with an appropriate structure. We look at why the funds are needed, how they will be repaid and what the facility needs to allow the business to do next.
Purpose before product
A working-capital gap, an equipment purchase and a growth project are different commercial needs. They should not be placed into the same finance structure simply because funding is available.
Business finance solutions
Working Capital Finance
Funding for stock, suppliers, wages, operating expenses and short-term timing gaps between business outgoings and incoming revenue.
Equipment & Asset Finance
Finance for vehicles, machinery, tools, technology and fit-outs while preserving working capital for operations.
Business Line of Credit
A flexible facility that allows an eligible business to draw funds as required, up to an approved limit.
Unsecured Business Loans
Funding that may be available without property security, subject to the business’s trading history,cash flow and lender criteria.
Business Finance
Funding that reflects how the business operates
Invoice & Debtor Finance
Access to part of the value of eligible unpaid invoices, helping reduce the cash-flow delay between completing work and receiving payment.
Trade & Import Finance
Funding for inventory, supplier payments and trade cycles where cash is committed before customer revenue is received.
Business Debt Consolidation
A review of existing facilities to determine whether eligible debts can be simplified or restructured more appropriately.
What we consider before approaching a lender
The amount requested is only one part of the application. We also consider the funding purpose, trading history, revenue, cash flow, existing commitments, available security and how the repayments will affect day-to-day operations.
A lender-ready application tells a coherent business story.
It connects the amount requested to a clear use of funds, demonstrates how the facility will be managed and provides the financial information needed to support the case.
Our Process
From funding need to finance pathway
1
Understand the requirement
We discuss what the business needs to fund, when it is required and what the finance must achieve.
2
Review the position
We assess available financial information, existing commitments, security and repayment capacity.
3
Compare lending pathways
We explain suitable bank, non-bank, secured, unsecured or asset-backed options.
4
Prepare and manage
We organise the application, coordinate lender communication and keep the process moving.
Common Questions
Questions business owners ask before applying
Not for every product. Unsecured loans, asset finance, invoice finance and some working-capital facilities may be available without property security.
Options may be more limited, but funding may still be possible depending on revenue, contracts, assets, director experience, contribution and available security
The available amount depends on revenue, cash flow, trading history, existing commitments, security and the purpose of the funds. Different lenders use different assessment methods.
Timeframes vary with the facility, amount, lender and complexity. Current and complete documentation can help reduce avoidable delays.
A decline from one lender does not mean every lender will reach the same decision. The reason should first be understood before another application is considered.
Let us find the right funding pathway for your business.
Business finance is subject to lender assessment, eligibility criteria, terms and conditions. Fees and charges may apply.