01 Working capital & cashflow
Overdrafts, lines of credit, and cashflow facilities to smooth timing gaps and fund growth — structured to how your revenue actually lands.
What we finance
Business finance, matched to the need.
Named facility types, not a generic loan. Find the structure that fits your business — then talk to the principal who'll arrange it.
02 Equipment & asset finance
Funding for plant, vehicles, and equipment — often without real-property security, structured against the asset and the business.
03 Acquisition & buyout finance
Funding to buy a business, a competitor, or a partner out — including vendor terms, earn-outs, and the capital stack to make it work.
04 Trade & debtor finance
Invoice and trade facilities that release cash tied up in receivables or stock, so working capital keeps pace with sales.
Why Black Mountain
Why operators bring their funding to us.
01 A no from the bank isn't the end
When the bank declines or won't move fast enough, we structure across non-bank and private credit to find a workable path — or tell you straight if there isn't one.
02 We structure, then place
We're mandated as your adviser. We build the facility around your business and take it to the right lender — not a panel blast chasing a commission.
03 Senior-led and local
The principal arranges and runs the deal, with ACT and regional NSW lender relationships behind it. No junior handoff.
How it works
From first call to settlement.
01 Initial call
We confirm the need, the business, and whether the deal fits.
02 Structuring view
A written approach and the right facility type, usually within 24 hours.
03 To the right lenders
A credit-ready submission to the lenders best suited to it — not a panel blast.
04 Through to settlement
The same senior runs it to drawdown.
A deal we structured
01
ILLUSTRATIVE — replace with a real anonymised deal before this ad runs. A Canberra services business needed working capital its bank wouldn't extend against a thin balance sheet. We structured a facility against its receivables instead, freeing cash to take on a larger contract — arranged through a non-bank lender that understood the sector.
Common questions
Before you enquire.
Tell us about the site
Tell us about the business.
A few details and a principal will call you back — usually same business day.
01 Name
name
02 Phone
phone
03 Email
04 Business location
location — Suburb / town and state
05 Amount & purpose
deal