Funding that fits
how your business actually runs.
Cash tied up in stock or unpaid invoices? Equipment to buy, or another business to acquire? We match you to the right lender from a panel of 100+ — and a principal handles it start to finish, not a call centre.
Capital structured around how your business runs.
We work with SMEs to build funding that flexes with your operating cycle. Working capital, term debt, equipment finance — packaged so you have the flexibility to operate and grow, without over-leveraging or paying for facilities you don't need.
We model serviceability before any lender does. Lenders see a professional credit submission, not financials thrown together. And if the numbers don't support the borrowing, we'll tell you when not to borrow. Based in Canberra, connected nationally.
Understand your business
Revenue cycles, margin profile, growth plans, capital requirements. This informs everything we do.
Model your serviceability
Detailed cash flow models that demonstrate your ability to service debt — presented the way credit teams want to read them.
Structure the right facilities
A package giving you room to operate and grow. Not too much, not too little — matched to your cash flow.
Manage covenants and reviews
We help you understand what covenants mean, monitor compliance, and negotiate adjustments when circumstances change.
Funding solutions.
Working capital & cash flow
Overdrafts, invoice finance, and trade finance structured around your operating cycle — not the bank's.
Equipment & vehicle finance
Chattel mortgages, finance leases, and rental arrangements for business assets. Matched to useful life and cash flow.
Expansion & acquisition funding
Growth capital for new locations, competitor acquisitions, or management buyouts. Structured to survive the transition.
Debtor & inventory finance
Release cash tied up in receivables and stock. Turns your balance sheet into a working capital facility.
Fit-out & refurbishment finance
Fund premises improvements without draining working capital. Structured to match the productive life of the improvements.
Contract & project finance
Funding to deliver on large contracts or project-based work. Drawdown structures matched to milestones.
A relationship, not a transaction.
Business finance doesn't end at settlement. As your business grows, your funding needs evolve — and so should your facilities. We stay engaged to make sure your debt supports your ambitions instead of constraining them.
We're a small team working with a small number of clients. That means we know your file, your covenants, and your next move before you call.
Access appropriate lenders
From major banks to specialist business lenders, we know who's active in your industry and how to present your business to match their appetite.
Prepare the submission first
We build the credit submission before approaching lenders. For clean acquisitions, that means indicative terms within 48 hours.
Structure to fit
Working capital, term debt, equipment finance — combined so each facility does its job without overlap or waste.
Plan for what's next
As you grow, we revisit the structure. Facilities should keep pace with the business, not hold it back.
Matched to the right credit appetite.
We hold active relationships with lenders writing business debt across Australia — matching each transaction to the institution with the right appetite for your industry and stage.
For established businesses with strong trading history and clean financials. Typically the most competitive pricing for straightforward transactions.
For unique profiles — high growth, industry-specific assets, or non-standard revenue models. Often more pragmatic and faster to approve.
For complex situations — acquisitions, turnarounds, or growth plays that don't fit traditional credit boxes. Higher cost, but often the right solution at the right time.
Industries we serve
Who we work with
The metrics business lenders actually assess.
Demonstrating sufficient cash flow to service debt obligations.
EBITDA relative to interest expense.
Total debt relative to earnings or equity.
Understanding debtor days, creditor days, and inventory turnover.
Recurring vs project-based, customer concentration, contract terms.
Historic growth, pipeline, and realistic forward projections.
Ready to discuss your funding needs?
Begin a conversation— Related Services
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Start the Conversation
Begin a conversation
Our team is ready to discuss your finance needs.
Contact Details
What to Expect
- Honest assessment of your options
- Response within 24 hours
- Strategic insight, not a sales pitch
- No obligation discussion
Let's Discuss Your Business Funding
Whether you're funding growth, restructuring existing facilities, or planning an acquisition — we'd welcome the opportunity to review your situation.
No obligation, no sales pitch. We reply within 24 hours.