Business Finance Solutions
Running a business often means balancing cash flow, covering unexpected costs, or funding new opportunities. Our business finance solutions are designed to give you fast, flexible access to the funds you need — so you can focus on growing your business.
Whether you’re a start-up, small business, or established company, we’ll connect you with lenders who offer short-term business loans, cash flow finance, equipment loans, invoice finance, and more.
The information below is a general guide only. For personalised advice, please contact us directly.
Types of Short Term Business Finance
Short-Term Business Loans
Short-term business loans are ideal for managing day-to-day cash flow or covering unexpected expenses.
These loans usually range from 3 to 24 months, and in some cases up to 48 months.
Key Features:
- No property security required – though a General Security Agreement (GSA) over the business may apply.
- Fast funding – approvals can occur within 1–2 business days, unlike traditional bank loans that may take weeks.
- Simplified documentation – most lenders only require 6–12 months of business bank statements.
- Higher interest rates – due to the speed and flexibility, rates are typically higher than standard bank loans.
These loans are particularly suited to business owners who may find it challenging to obtain credit from traditional banks or who need funds quickly to manage cash flow.
Business Loan Consolidation
If you have multiple short-term business loans, consolidation can simplify your finances and reduce your monthly repayments.
General Guidlines:
- Most lenders will allow consolidation of up to two active short-term loans.
- If there are more than two active unsecured loans, many lenders are unable to proceed with consolidation.
Example Scenario:
A business currently holds loans with Finstro, Bizcap, Prospa, Trucap, and OnDeck — totalling $609,309 across 3–12 month terms, costing around $101,611 per month.
If consolidated into a single 48-month facility at a guide rate of 22%, repayments could drop to approximately $19,200 per month — freeing up significant cash flow.
However, because there are more than two unsecured loans, consolidation in this example may not be possible.
That’s why it’s important to speak with an experienced business finance broker who can assess your options and help you choose the right lender or product.
Business Expansion Loans
Looking to grow your business? Expansion loans can help fund renovations, new staff, marketing campaigns, or product development.
Loan terms and rates vary depending on your business’s cash flow and financial strength.
Before applying, it’s essential to review your forward cash flow and potential return on investment to ensure the funding supports long-term growth.
Invoice Finance (Debtor Finance)
Invoice finance allows you to unlock cash tied up in unpaid invoices by receiving an advance (usually 80%) from a lender. This helps you maintain strong cash flow while waiting for customers to pay.
Benefits:
- Access up to 80% of your invoice value upfront.
- No need to open a new bank account with certain lenders.
- Keep control of your existing business banking while improving cash flow.
This type of funding is ideal for businesses that offer extended payment terms to customers or experience slow invoice turnaround.
Why Work With Us?
- Fast Approvals – access funds in as little as 24–48 hours.
- No Property Security Needed – flexible lending for small businesses.
- Expert Guidance – we compare multiple lenders to find the right fit for your goals.
- Tailored Finance Solutions – designed to suit your business structure and cash flow.
Find the Right Finance for Your Business
Every business has unique financial needs. Whether you need cash flow finance, short-term business loans, or invoice funding, we’ll help you find a flexible solution that works for you.
