My Working Capital
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Working Capital When You Need It!
How to relieve cash flow stress.
When your cash flow turns to a trickle it’s great to have a backstop – someone you can rely on to provide working capital to get you through an emergency or seize a growth opportunity.
That’s us. As well as giving you the comfort and confidence of knowing funds are always available, it means you can keep your own cash in reserve for unforeseen expenses .
With all our facilities, you can choose when or how you use the money – whether it’s to start a new project; to import goods and equipment; to pay suppliers in exchange for a discount or just pay debts.
There is no lock in contract and the funding increases as your business grows
Now you can stop worrying about the cash flow and focus on the main game – promoting your goods or services and securing your future.
Can you hear the music?
It’s the bells and whistles that come with all our great cash flow services.
What You Get
- No lock in contracts
- Competitive rates
- Quick & flexible setup
- Tailored products
- Short or long term options
- Secured or unsecured
- Credit insurance
- Off balance sheet funds
What it Means
Dependable cash flow
Funds to meet unexpected costs
Clout to negotiate better deals
The elimination of late payment risk
Capital for new projects
Cash in the bank
Less stress, fewer headaches
- A stronger balance sheet
Which of these reliable working capital and cash flow solutions will best suit your business?
Invoice Finance
Single or multiple invoices. No lock in. No application fee. No property security required.
Supply Chain Finance
An off-balance sheet credit line to stablise your cash flow and strengthen your supply chain.
Trade Finance
You buy, we pay. Here or overseas. Includes deposits and pre shipment costs.
Import Finance
China based lender. Finance designed for importers sourcing goods in Asia.
Managing Risk - We've Got Your Back
Introduction
Credit Insurance
Performance Bonds
Personal Guarantee Insurance
Introduction
If your personal assets are at stake, it’s wise to consider reducing your risk when borrowing for your business.
You can choose from one of our three effective products.
Our wise clients opt for credit insurance which provides cover if a customer doesn’t pay because of insolvency. If that’s relevant to you, its definitely worthwhile considering.
However, it is also possible to have your personal guarantees underwritten and obtain a performance bond for those times when it’s necessary to secure a project or funding for it.
Call us for a chat about your needs.
Credit Insurance
Credit insurance allows you to insure against non-payment by a customer.
It’s a wise choice if you bill significant amounts to a single customer whose failure could have catastrophic consequences for your business.
You’ll be covered for insolvency. Your insurer will not underwrite fraud or losses caused by a dispute.
If you are one of our invoice finance clients, credit insurance is recommended. In that instance, it is our company who owns the insurance policy. However, you may insure a debtor separate to that.
Our supply chain finance clients are insured automatically.
Performance Bonds
Performance bonds (also called Surety Bonds) guarantee that your contractual or financial obligations will be met by the bond provider if you fail or are unable to meet your commitments.
They are often used in construction where a sub-contractor might be asked to place a sizeable amount of money in trust as a guarantee that the job will be completed. A performance bond ensures you don’t have to lock up working capital until the job is finished.
They can also be used when you borrow funds. If you fail to make repayments, the financier can make a claim on the Bond.
Unlike personal guarantee insurance, the bond provider will have the right to seek reimbursement from you.
Bond guarantees require good credit and a good trading history. The premium is a percentage of the bond amount.
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Personal Guarantee Insurance
Personal Guarantee Insurance is an annual insurance policy that protects a guarantor if a lender calls on a Personal Guarantee
The insurance can cover secured and unsecured loans.
In can include protection for multiple guarantees as well as historical/legacy guarantees.
Premiums are based on a fixed percentage of the insured amount and can be paid annually or monthly.
The maximum limit of cover for secured loans is $1,000.000. Unsecured loans will be covered to a maximum of $750,000.
Call us on 1300 430 076 or send a message.
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