Do you want to grow your business, develop new products, better manage seasonal fluctuations, or perhaps invest in new equipment? Don’t let irregular cash flow hold you back. Green Finance Group business finance brokers are cash flow lending specialists and 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 competitive options.View Latest News
Improved cash flow will enable your business to seize growth opportunities. Cash flow loans come in many shapes and sizes and provide the necessary capital to invest in new projects, expand operations, launch new products, or enter new markets. By accessing additional funds based on your cash flow potential, your business can fuel growth without compromising on existing assets.
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. 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.
Each of these cash flow lending options will incur varying terms, conditions and fees and your Green Team broker is 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.
Would like to say a huge thankyou to Paul Steele and his team for all he has achieved for our business over the last 12 months. We have been in business for the last 20 odd years with numerous exposure to the difficult processes around business and personal lending . Paul was able to source significant savings and provide innovative solutions under what were often very challenging circumstances. His attention to detail and extensive knowledge of the products available made the huge task of completely restructuring our financial position into a manageable process despite what seemed like never ending obstacles put up by our previous lenders. Despite the complexity of personal and business lending being interwined by our previous lender Paul was able to provide solutions to each and every issue that we faced. At no time did we ever feel that anything was too much to ask and his attitude and committment towards improving his customers situations should be commended. Simon and I will be shouting your name in praise for a long time to come.
James knows his numbers, knows how the banks' credit teams operate and can certainly help seek you the best source of funds at competitive rates.
Easily the best experience I've ever had with a finance business! We have used Green Finance three times now for different forms of financing and they're exceptional.