Start with the cash-flow need
The appropriate facility depends on why funds are needed, how they will be repaid and whether the requirement is recurring or one-time. A term loan, cash-credit or OD facility serves a different purpose.
Common assessment areas
- Business vintage, industry and ownership
- Turnover, profitability and banking conduct
- GST returns, financial statements and tax records
- Existing facilities and repayment obligations
- Security, collateral or guarantee requirements where applicable
More complex requirements
Project finance, debt consolidation and restructuring require detailed viability, cash-flow and documentation review. Our team can coordinate an initial assessment, but lender credit teams make all final decisions.
Borrow for a defined business purpose and align the repayment schedule with realistic cash flows.