Business financing
Flexible Credit Facility
Discuss a facility for short-term operating requirements that return throughout the year. Understand utilisation limits, review dates and how each amount drawn will be repaid.
View this optionYour commercial requirements
Follow the cash through the business
Working capital requirements arise when money leaves the business before revenue is collected. Identify the gap, its duration and the source of repayment.
- 01
Purchase
Supplier deposits and inventory payments create the initial cash requirement.
- 02
Operate
Production, payroll and delivery costs extend the funding period.
- 03
Invoice
Completed orders become receivables with agreed payment dates.
- 04
Collect
Customer receipts provide the expected repayment source.
A question to bring to the conversation
How is a seasonal requirement different from a recurring shortfall?
Show when the peak occurs and when cash normally returns. A persistent operating deficit calls for a different discussion from a temporary seasonal gap.
Availability, eligibility, security, charges and repayment terms depend on individual assessment and formal agreement. This page is an introduction to the facility, not an offer or approval.
Consider the alternatives
Explore a related financing need.
The right structure depends on the purpose and repayment source. Review a related option before deciding what to discuss.
Personal attention. Professional assessment.
Discuss Working Cash Finance.
Explain your requirement. We’ll begin with the purpose and the information needed to assess it.