Cashtech Business
Commercial finance, sourced honestly.
Working capital, asset and equipment, commercial property, invoice and debtor finance, trade, and private credit. We make introductions to the lenders best suited to your situation, with no fees to you.
Six pillars
Six categories of commercial finance.
Each pillar maps to how the money is used in the business, not how lenders organise their product shelf. Match the product to the need.
Working capital
Five ways to bridge the gap between when you spend and when you get paid. Most settle within 3 to 7 business days. We help you pick the option that doesn't quietly cost you more than it should.
Explore working capitalInvoice & debtor finance
Australian businesses wait an average of 56 days to be paid. Invoice and debtor finance shortens that to days, sometimes hours. Five structures depending on whether you want it confidential, selective, or whole-ledger.
Explore invoice financeAsset & equipment finance
Vehicles, machinery, fitouts, technology, medical equipment. Nine financing structures across chattel mortgage, hire purchase, and leases. Right structure depends on your tax position more than your industry.
Explore asset financeCommercial property finance
Buying your own premises, growing an investment portfolio, funding a development. Seven structures from owner-occupier loans through to construction and land banking. Commercial property lending is relationship-driven; we make the introductions.
Explore commercial propertyTrade & import finance
Specialist finance for businesses that import, export, or sit in international supply chains. Six instruments from letters of credit to dynamic supplier payment. Most are bank-led; the introductions matter as much as the structure.
Explore trade financePrivate & short-term finance
Caveat loans for property settlements, bridging for time-sensitive deals, private credit for non-conforming situations. Higher cost reflects higher risk and faster decision time. We're upfront when this isn't the right fit.
Explore private credit
Industries we work with
Eleven industries. Three pages live in Phase 1.
We work across more industries than we have dedicated pages for. The three with full industry pages are below; the rest are listed for context. Get in touch and we'll send the relevant lender shortlist.
- Industry page
Tradies & construction
Project-based cashflow, equipment-heavy, ABN-led income. From first ute to fifth crew.
- Industry page
Allied health & medical
Practice ownership, equipment-heavy, regulated environment, practitioner-driven income.
- Industry page
Hospitality & accommodation
Card-heavy revenue, seasonal swings, fitout-intensive operations, lease-driven model.
- Industry page
Transport & logistics
Heavy vehicles, fuel facilities, contract revenue, owner-driver to fleet operator.
- Industry page
Professional services
Time-billed, partnership structures, work-in-progress lending, premises-light.
- Industry page
Agriculture & rural
Seasonal cashflow, asset-heavy, commodity exposure, succession planning.
- Industry page
Ecommerce & online
Card-payment cycles, inventory-heavy, marketing-intensive growth patterns.
- Industry page
Franchisees
Franchisor-prescribed setup costs, brand-driven model, predictable economics.
- Industry page
Manufacturing
Equipment-heavy, raw-materials funding, B2B receivables, often export-active.
- Industry page
Retail
Inventory-heavy, lease-driven, seasonal, omnichannel complexity.
- Industry page
Property developers
Project-based capital stacks, pre-sales, exit-driven returns, long horizons.
Why an independent broker
What we do differently.
01
No fees to clients.
Lenders pay us when a deal lands. You don't pay us, and we disclose what we earn before anything happens. That's the whole structure.
02
Independent across the panel.
Banks, non-banks, fintechs, specialist private credit. We pick the lender that genuinely fits the profile in front of us, not the one most generous on commission.
03
Plain English. Honest framing.
We translate factor rates, advance rates, capital stacks, and commercial mortgage policy into language you can decide on. We tell you when this is the wrong product, too.
Let's talk
Twenty-minute brief. No fees, no obligation.
Tell us the shape of the deal and the timing. We'll come back with a lender shortlist or an honest signal that this isn't the right product yet.