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We understand cash flow problem is quite common in the day-to-day operation of businesses. When cash flowing out of your business outweighs the money coming in, your ability to make payments to suppliers and pay bills will be inhibited. In the worst-case scenario, it may cause insolvency.
We have following quick and easy solutions to help you overcome short-term and longer-term cash flow problems:
Unsecured low-doc business loan
If your business has been trading for over 6 months and is registered with GST, you can be approved a business loan for the amount up to $250,000.00 without the need to provide tax returns, financial statements or BASs. The only documents to provide are directors’ IDs and business bank statements. The loan will be unsecured, which means you do not need to provide any securities to the lender. However, at the lender’s discretion, the director(s) and/or shareholder(s) may be requested to provide personal guarantee to the loan. The loan application can be finalised within 1 business day. Funding can be done in the next business day. Loan term is normally 2 years. However, it can be extended. Lenders normally do not charge penalty interests if you repay the loan in advance.
Unsecured low-doc line of credit
The difference between unsecured low-doc line of credit (LOC) and unsecured low-doc business loan is that the former provides you with a credit limit to the amount of $150,000. Only after you withdraw money from your LOC facility, the lender starts to charge you interests. The repayment type is normally interest only.
Secured no-doc Business Loan
If you can offer a real property as security (i.e. 1st or 2nd mortgage) to the lender, you are entitled to no-doc business loan. No business bank statement or BAS or tax return will be required. You can borrow $20,000.00 to $2,000,000.00 for business use. Loan term can be as short as 1 month and can be as long as you need it. Repayment type will be interest only during long term. Alternatively, you may choose to capitalise interests and repay the entire facility at loan maturity. Credit assessment and funding can be completed within 24 hours.
Invoice finance
Also known as debtor finance, invoice finance is a line of credit linked to and secured by your unpaid invoices (i.e. outstanding account receivable). The loan facility is often linked with your accounting software, such as Xero or MYOB. Once you send invoices to you customers, you gain access to funds via the invoice finance facility. Once invoices are paid by customers to the dedicated account created for your invoice finance facility, the lender will repay the loan facility and release remaining cash to you after deducting their fees and interests.
Our niches
Tailored solutions
We listen to your circumstances and requirements. We then provide tailored solutions to meet your needs and financial targets.
Simple and easy
We prepare all required paperwork and communicate with lenders on behalf of you. So you can stay focused on managing and growing your business.
Fast funding
Most business loan applications can be finalised within 24 hours with funds landing on your business account on the next business.
