Business term loan
Can suit acquisitions, fit-outs, expansion and other defined uses where the benefit extends over multiple periods.
Commercial finance Australia
Match the capital structure to the commercial objective.
Commercial finance can support growth, acquisitions, equipment, inventory, property, trade cycles and short-term liquidity. The starting point is the operating requirement and repayment profile.
Term debtDefined amount and repayment period.
Asset financeFunding tied to productive equipment or vehicles.
Trade & receivablesSupport working-capital cycles around inventory and invoices.
Growth equityUseful where preserving cash matters more than preserving 100% ownership.
Commercial funding structures
Finance should fit the asset, cash cycle and strategic horizon.
Asset finance
Often appropriate where a vehicle, machine or other productive asset is central to the funding request.
Working-capital facility
Can support recurring timing gaps between paying staff or suppliers and receiving customer cash.
Trade finance
Useful for importers, exporters and product businesses managing supplier and customer timing.
Receivables finance
Can convert eligible invoices into earlier liquidity where provider criteria are met.
Private capital
Growth capital may be more suitable where the business wants longer-duration funding without fixed debt service.
Capital readiness
Good finance discussions begin with good management information.
Providers want to understand earnings, cash conversion, existing liabilities, security, ownership, the use of funds and the plan for repayment. The clearer these are, the stronger the funding conversation.
Historical tradingFinancial statements, BAS data and bank activity should reconcile.
ForecastShow how the capital changes revenue, cost, capacity or timing.
Existing debtMap loans, leases, ATO liabilities and guarantees.
Exit or repaymentExplain clearly how the facility is expected to be repaid or refinanced.
How I help
Integrate finance with the operating plan.
I work with owners to prepare the commercial case, improve management visibility and coordinate appropriate finance or capital discussions. Where the opportunity fits, I may also consider investing directly alongside the owner.
This page is general business information, not an offer or guarantee of credit. Provider assessment, pricing, documentation and applicable licensing requirements always apply.
Explore investment & growth capitalAuthoritative source
business.gov.au outlines debt and equity funding choices and recommends matching the form of funding to the reason the business needs capital.
Read the Australian Government funding guide →Commercial finance review
Tell me what the funding needs to achieve.
We can frame the amount, timing, business case and the most logical pathway before approaching providers.
General information only. No finance or investment is guaranteed.