Cash Flow Lending

Do you want to grow your business, develop new products or invest in new equipment? Don’t let irregular cash flow hold you back.


Green Finance Group Cash Flow Lending Specialists can help you to access the money you need to take your business to the next level. We will review your business situation in detail and help you to ascertain the best method for funding from a range of options, including:

Business Overdraft – Secured or Unsecured

An Overdraft Facility can be linked to your business transaction account and allows you the freedom to pay business expenses without the issue of overdrawing your account or having payments dishonoured (up to an approved limit). Typically interest is calculated daily and only on the outstanding balance or amount of funds utilised.

Business Line of Credit

A Business Line of Credit can provide an optimal solution for short-term funding assistance. You can set a credit limit based on your business needs; select a fixed term or revolving option. This option is fairly flexible and allows the principal to be repaid and redrawn at any time up to your approved credit limit.

Debtor Finance (also called Invoice Discounting or Invoice Finance)

Debtor or Invoice Finance allows you to unlock up to 85% of the value of your business’ unpaid invoices, usually without providing property security. Instead of taking on additional debt, you are effectively utilising today’s sale to fund tomorrow’s growth. General business terms range from 30 – 90 days with the average timeframe for payment sitting at around 60 days in Australia today. Debtor or Invoice Finance removes the barrier of delayed payment allowing you to access the cash almost immediately after the goods or services have been provided.

Import/Export Trade Finance

Trade Finance facilities provide short-term funding for international import or export related transactions.  The facility allows you to finance your international trade transactions for a period of time that matches your business cash flow cycle (until you receive funds from invoices raised). Terms are generally available for up to 180 days however this can be negotiated for longer periods for strong clients with a genuinely extended cash flow cycle.

Trade Finance is available in both AUD and most other major currencies and can be used to finance both import and export transactions. The interest rates are often comparable (or less) than a standard overdraft and you have flexibility as to which transactions you want to finance and for what term.

For businesses with a strong balance sheet position, Trade Finance facilities can often be secured with the business assets and directors’ guarantees, removing the need for property assets. 

Which bank?

Each of these facilities will incur varying terms, conditions and fees and our Cash Flow Lending Specialists are in the best position to help you find the facility and lender that will work for your business.

It’s also important to know that some lenders are more receptive to these arrangements than others and it’s critical you approach the right bank or lender from the very outset.

Over the years we have helped hundreds of businesses, from a variety of industries, to better their position through improved cash flow. We can help you too. Give us a call on 07 3899 2866 or fill out your details below and we’ll be in touch shortly.

 


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