Business Finance Solutions
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
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
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
Business Overdraft
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
- Interest efficiency: Pay interest only on the amount used, not the full limit.
- Instant access: Funds are immediately available through your existing business account.
- Automatic repayments: As client payments or income are deposited, the overdraft reduces automatically.
- Liquidity support: Acts as a cash flow safety net for unexpected expenses or timing mismatches.
Who It's Best For
Ideal for businesses that:
- Experience seasonal or irregular cash flow
- Need a safety buffer for unexpected bills or payroll gaps
- Want fast, revolving access to working capital
- Prefer interest-only-on-use flexibility instead of fixed repayments
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.
Line of Credit
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
- Flexible access: Reuse the facility multiple times without new applications.
- Interest efficiency: Pay interest only on used funds.
- Cash flow control: Ideal for recurring or seasonal expenses.
- Repayment flexibility: Make minimum monthly repayments on the drawn amount.
- Growth support: Use for inventory purchases, marketing campaigns, or early payment discounts.
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.
Invoice Finance
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
- Immediate working capital: Turn outstanding invoices into instant cash.
- Cash flow stability: No need to wait 30–90 days for customer payments.
- Flexible use: Ideal for paying suppliers, covering payroll, or operating expenses.
- Cost-effective: Pay only a small fee based on the invoice value — no long-term debt.
- Scalable: The more you sell, the more working capital you can unlock.
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.
Trade Finance
Bridge the Gap in Domestic & International Trade
A short-term working capital to help businesses pay suppliers upfront for goods while waiting for customer payments. It supports the full trade cycle - from purchasing and shipping to selling - without draining your cash reserves.
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 charged on the funded amount. This structure allows you to bridge the funding gap between buying and selling - ensuring a steady flow of goods and capital.
Financial & Liquidity Benefits
- End-to-end trade support: Finance the full cycle of buying, shipping, and selling goods.
- Improved cash flow: Keep operations moving without tying up working capital.
- Interest efficiency: Pay interest only on the amount advanced and for the duration used.
- Inventory control: Maintain stock availability and meet demand without financial strain.
- Risk management: Helps mitigate inventory risk and foreign exchange exposure in cross-border trade.
Who It's Best For
Ideal 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.
Commercial Property Loan
Finance for Business Premises & Property Investment
A secured term loan designed for the purchase, development, or refinancing of commercial real estate such as warehouses, offices, or retail spaces. The property itself serves as the collateral, offering long-term stability and growth potential.
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, typically at lower rates than unsecured loans.Loan terms are often longer and larger than standard business loans, reflecting the asset’s value and long-term nature.
Financial & Liquidity Benefits
- Lower interest rates: Secured against property, often cheaper than unsecured options.
- Longer loan terms: Flexible repayment periods suited to property investment cycles.
- Asset ownership: Build equity through ownership rather than rent.
- Refinancing options: Consolidate or restructure existing commercial property loans.
- Investment potential: Acquire property for business use or rental income generation.
Who It's Best For
Ideal 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.
Self-Employed Residential Loan
Home Finance Designed for Self-Employed Professionals
A specialised home loan tailored for business owners, contractors, and freelancers who may not have traditional PAYG income documentation. It allows you to buy, build, or renovate a home or investment property with flexible income verification options.
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.
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
- Flexible documentation: Qualify using business or alternative income verification.
- Property ownership: Finance a primary residence or investment property.
- Choice of rates: Access fixed or variable interest options.
- Equity growth: Build long-term wealth through property ownership.
- Tailored approval: Designed for self-employed borrowers with irregular income streams.
Who It's Best For
Ideal 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.
bNote: Accounting treatment is dependent on specific lease terms and current AASB 16 standards. Always consult your accountant.