Facilities
Finance facilities for established SMEs
The structures that fund an operating business: revolving working capital, property-backed term debt, second-ranking and short-term capital, stock and capex funding — and when each one fits the balance sheet.
Working capital facility
How a working capital facility is sized, secured and repaid for an Australian SME — revolving limits, property-backed options and what lenders test first.
Read more →Business line of credit
How a business line of credit works for an established SME: sizing on turnover and bank statements, property-backed limits, drawdown discipline and reviews.
Read more →Property-backed loans
Secure business funding from $20,000 to $5,000,000 with residential or commercial property — first and second mortgages, caveats and lender tests.
Read more →Second-ranking facility
A second mortgage business loan adds capital behind your existing bank without a full refinance. How ranking, consents and exits work for established SMEs.
Read more →Debtor finance alternatives
Debtor finance vs a business loan for SMEs with large receivables: control, reporting, PPSR security and when a cash-flow or property facility fits better.
Read more →Import stock funding
Import stock finance for Australian SMEs: fund supplier deposits, balance payments, freight and duty until stock sells — cash-flow or property-backed.
Read more →Caveat loans
How a business caveat loan works for an established SME: when speed matters, how the caveat protects the lender, typical uses and why the exit must be clear.
Read more →Capex funding
Capex finance for established SMEs: match funding to asset life, protect working capital, and weigh property-backed loans against equipment finance.
Read more →Measure before you borrow. The working capital cycle calculator shows how much cash your trading cycle ties up; the debt service cover calculator tests whether earnings carry the repayments.
See if you qualify →See what the balance sheet can support
One short enquiry, no credit check at the first step, and a specialist who calls back with structures that fit the business.
No credit check to enquire
No spray-and-pray
A specialist, not a queue