Your Full Suite of Business Finance Solutions
Access the right funding structure for every business need, from managing daily cash flow and optimizing trade cycles to acquiring long-term commercial property. Use our guide to compare the key finance options available.
Your Full Suite of Business Finance Solutions
Access the right funding structure for every business need, from managing daily cash flow and optimizing trade cycles to acquiring long-term commercial property. Use our guide to compare the key finance options available.
Working Capital & Cash Flow Solutions
Select the right finance/leasing product that matches your business needs and cash flow.
Business Overdraft
Instant extra funds
Linked to business account- Pay interest only on used funds
- Manage short-term cash flow
Line of Credit
Flexible, reusable capital
- Draw and repay anytime
- Ideal for seasonal expenses
- Interest only on drawn funds
Invoice Finance
Cash from unpaid invoices
- Access up to 90% upfront
- Maintain cash flow
- Pay suppliers on time
Trade Finance
Fund trade cycles
- Bridge payments & receipts
- Reduce inventory and currency risks
- Keep supply chains moving
Select the right finance/leasing product that matches your business needs and cash flow.
Property & Long-Term Asset Loans
Commercial Property Loan
Finance or refinance property
- Property as collateral
- Competitive rates and flexible terms
- Ideal for offices, warehouses, or retail
Self-Employed Residential Loan
Loans for self-employed buyers
- Flexible income verification
- Fixed or variable rates
- Buy, build, or refinance
Flexible Cash Flow Buffer for Short-Term Needs
A revolving line of credit linked directly to your business transaction account. It gives you immediate access to funds up to a pre-approved limit - perfect for managing day-to-day cash flow fluctuations.
How It Works
The overdraft provides a credit limit that your business can draw on whenever needed. You only pay interest on the amount your account is overdrawn, and repayments happen automatically as funds are deposited back into the account. This makes it a flexible and cost-effective solution for managing short-term funding gaps.
Financial & Liquidity Benefits
Who It's Best For
Perfect for businesses that want to:
- Experience seasonal or irregular cash flow
- Need a safety buffer for unexpected bills or payroll gaps
- Want fast, revolving access to working capital
Key Takeaway
A Business Overdraft offers on-demand access to cash, interest-only flexibility, and automatic repayment, making it a smart, low-maintenance tool for maintaining smooth daily operations.
Flexible Working Capital, On Demand
A revolving credit facility that provides your business with flexible access to funds up to a pre-approved limit. It's ideal for managing seasonal expenses, inventory purchases, or taking advantage of supplier discounts.
How It Works
Unlike a traditional loan, a Line of Credit gives your business ongoing access to funds through a separate revolving account. You can draw funds when needed, repay, and draw again without reapplying - giving you control over how and when you use your capital. Interest is charged only on the amount drawn, not the total facility limit.
Financial & Liquidity Benefits
Who It's Best For
Best suited for businesses that:
- Need working capital flexibility beyond an overdraft.
- Face seasonal demand cycles or cash flow variations.
- Want to leverage supplier discounts or strategic opportunities.
- Prefer control over drawdowns and repayments.
Key Takeaway
A Line of Credit offers scalable, reusable funding that adapts to your business needs - giving you liquidity, flexibility, and control over your short- to medium-term finances.
Unlock Cash Flow from Unpaid Invoices
Lets your business access immediate cash by using unpaid customer invoices as collateral. It's an effective way to bridge cash flow gaps and keep operations running smoothly while waiting for clients to pay.
How It Works
The lender advances funds (often up to 90% of the invoice value) against your accounts receivable. Your business uses these funds to pay suppliers or cover expenses, and once your customer pays the invoice, the advance is repaid, minus an agreed fee. Fees are typically structured as a discount rate based on the invoice amount.
Financial & Liquidity Benefits
Who It's Best For
Perfect for businesses that:
- Offer extended payment terms to clients
- Experience cash flow gaps between invoicing and payment
- Want to maintain smooth operations without taking on new debt
- Rely on large or slow-paying corporate customers
Key Takeaway
Invoice Finance helps your business turn sales into cash faster, improving liquidity and stability without taking on extra loans — ideal for growing businesses that want consistent cash flow.
Bridge the Gap in Domestic & International Trade
A short-term financing solution that helps businesses pay suppliers upfront and manage the trade cycle while waiting for customer payments, preserving cash flow and working capital.
How It Works
The lender advances funds to pay your local or overseas suppliers for inventory or goods. Once your customer pays your business, the advance is repaid, along with any interest or fees on the loan. This structure allows you to bridge the funding gap between buying and selling - ensuring a steady flow of goods and capital.
Financial & Liquidity Benefits
Who It's Best For
Perfect for businesses that:
- Import or export goods and need supplier payment flexibility
- Experience longer trade cycles between purchase and customer payment
- Want to secure stock without depleting operating funds
- Face currency or timing risks in international transactions
Key Takeaway
Trade Finance provides targeted short-term funding for global or domestic trade helping you manage supplier payments, inventory flow, and currency risk while protecting your core working capital.
Finance for Business Premises & Property Investment
A secured loan for purchasing, developing, or refinancing commercial properties, with the property serving as collateral for long-term growth and stability.
How It Works
Your business borrows funds to buy, build, or refinance a commercial property. The loan is secured against the property, and interest is charged on the outstanding balance. Repayment is often on longer and larger terms than unsecured loans, reflecting the asset's value and long-term nature.
Financial & Liquidity Benefits
Who It's Best For
Perfect for businesses that:
- Want to own their business premises instead of leasing
- Plan to develop or expand commercial real estate assets
- Seek long-term investment opportunities in property
- Need to refinance existing commercial mortgages for better term
Key Takeaway
A Commercial Property Loan enables your business to own, develop, or invest in real estate while benefiting from competitive rates, long-term repayment options, and asset-backed security.
Home Finance Designed for Self-Employed Professionals
A flexible home loan for business owners, contractors, and freelancers, offering alternative income verification for buying, building, or renovating property.
How It Works
This loan functions like a standard residential mortgage, but with customized underwriting for self-employed applicants. Instead of relying solely on PAYG payslips, lenders assess your income using BAS statements, bank statements, accountant declarations, or other verified financial records. Interest is charged on the outstanding balance at either fixed or variable rates, depending on your chosen structure.
Financial & Liquidity Benefits
Who It's Best For
Perfect for businesses that:
- Small business owners, contractors, or freelancers with non-traditional income
- Individuals who can't provide PAYG payslips but have verified business financials
- Those looking to buy, build, or renovate residential or investment property
- Borrowers seeking flexibility in documentation and repayment structures
Key Takeaway
A Self-Employed Residential Loan offers flexible documentation, competitive interest options, and tailored approval criteria, making property ownership more accessible for self-employed Australians.
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