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Cashtech · business finance

Finance that moves
at business speed.

Working capital, equipment, commercial property, asset-backed. We know which specialist lenders fund which profiles, and we keep the paperwork off your desk.

6 days
Median time to funding
$50k-$15m
Typical facility range
18+ lenders
Commercial & specialist

The products

Six kinds of business finance.

Products matched to what the money is actually doing in your business. Match the product to the need, not the other way around.

Working capital

Lines of credit, overdrafts, and short-term loans for seasonal swings, stock buys, or timing between invoices and payment. Funded in days, not weeks.

$25k-$2m · 6-36 months
Working capital options

Equipment finance

Chattel mortgage, lease, rent-to-own. The asset secures the loan, so approval is often faster and rates are lower than unsecured finance.

$10k-$5m · Depreciation benefits
Equipment options

Commercial property

Buy your own premises, refinance existing, or develop. Lower LVRs than residential but the rate arbitrage often makes it worthwhile for stable businesses.

$250k-$15m · Up to 75% LVR
Commercial lending

Invoice & debtor finance

Unlock cash tied up in receivables. Funding against your accounts receivable ledger, whole-of-book or selective. For businesses with long payment terms.

Up to 85% of ledger · Rolling facility
Invoice finance

Asset-backed loans

Borrow against residential, commercial, or director-owned property to fund business growth. Useful when trading history is thin but equity is strong.

$100k-$10m · Caveat & 2nd mortgage
Asset-backed options

Trade & import finance

Letters of credit, trade guarantees, and import financing for businesses buying from offshore suppliers. Bridges the gap between shipment and sale.

$50k-$5m · 30-180 day cycles
Trade finance

Common situations

When businesses call us.

Three scenarios we see repeatedly. De-identified, with permission.

WEST RYDE · MANUFACTURING

$450,000

working capital facility

Import-driven stock cycle, 90-day payment terms from retail clients. Three banks had declined on trading history. Sourced from a specialist lender with receivables-backed facility; approved in four days of submitting clean docs.

Outcome6 days to funds

BONDI · FIT-OUT FIRM

$180,000

equipment finance

Two CNC machines at $90k each, commercial-grade. Chattel mortgage structure to preserve working capital and claim depreciation. Supplier invoice matched to funder release; no out-of-pocket cost at any point.

Outcome4.2% below bank rate

PARRAMATTA · PROFESSIONAL SERVICES

$1.2m

commercial property purchase

Partnership of three, buying their own office instead of renewing lease. SMSF structure for two, personal exposure for third. Coordinated with their accountant and solicitor across structure and settlement.

Outcome14 days to unconditional

How this works

Business finance, start to funded.

Median time from brief to funds in the account is six business days for standard working capital. Faster for pre-approved facilities, longer for commercial property.

STEP 011 day

Brief on the need

Twenty-minute call about what the money's doing, what you've tried, and the shape of your business. We want context, not just numbers.

STEP 022 days

Lender shortlist

We profile your business against funder appetite and regulation. You see the three to five options with rates, terms, and trade-offs laid out clearly.

STEP 032-3 days

Application + underwriting

Single documentation pack. We handle funder queries and supplementary requests so your team can keep running the business.

STEP 041-2 days

Settlement & draw

Documents signed, security registered where applicable, facility active. For equipment, the funder pays the supplier directly.

The panel

Eighteen commercial lenders.

Banks, non-bank specialists, private lenders. Each funder has an appetite, we know where yours fits.

6
lenders

Bank commercial

The Big Four's business divisions, plus Macquarie Business Banking and Bendigo. Best for established businesses with 3+ years of audited accounts and strong cashflow coverage.

7
lenders

Non-bank specialists

Prospa, Moula, Lumi, Judo Bank, OnDeck. Built for speed and situations banks struggle with, shorter trading history, non-standard revenue patterns, capital-light models.

5
lenders

Asset & equipment

Westpac Equipment Finance, Commonwealth Equipment, Pepper Asset Finance, ScotPac, Earlypay. Specialists in chattel mortgage, leasing, and receivables-backed lending.

Documentation

What funders will want to see.

Most business lending needs the same base pack. Specialist funders ask for less; banks ask for more. We'll tell you exactly what's needed before you start gathering.

Business structure

  • ABN and ACN (if company)
  • Current ASIC company extract
  • Trust deed (if applicable)
  • Partnership agreement (if applicable)

Financials

(last 2 years)
  • Profit and loss statements
  • Balance sheets
  • Tax returns (business + directors)
  • Current year management accounts

Cashflow evidence

(last 6-12 months)
  • Business bank statements, all accounts
  • ATO integrated client account
  • Outstanding debtors list
  • Outstanding creditors list

Director details

(each director)
  • Photo ID (licence + passport)
  • Personal tax returns (last 2 years)
  • Statement of position
  • Existing personal guarantees

Purpose evidence

(for specific products)
  • Supplier invoices (equipment finance)
  • Contract of sale (property)
  • Building permits (construction)
  • Purchase orders (trade finance)

Existing facilities

  • Current loan statements
  • Lease schedules
  • Credit card statements
  • Any personal guarantees in place

Questions

Things business owners ask.

If yours isn't here, phone us directly. Business situations are specific and worth a conversation.

How quickly can I actually get funded?
Unsecured working capital from specialist lenders can fund in 2-3 business days with clean documentation. Equipment finance typically 3-5 days. Commercial property purchase 14-21 days. Bank-originated facilities usually take 2-3 weeks regardless of product. The honest answer for your situation comes out of the first brief call.
Do I need two years of financials?
For banks, usually yes, they want two full years of lodged accounts at minimum, often three. For specialist non-bank lenders, 6-12 months of trading with clean bank statements is often enough. Start-ups (less than 6 months) are possible through asset-backed lending against director-owned property, or specialist start-up funders with higher rates.
Will the loan show up as personal debt on my credit file?
Depends on the structure. Company loans sit with the ABN. Personal guarantees (typical for SMEs) may appear on directors' personal credit files depending on the funder and loan type. We flag this explicitly before you sign anything, it matters especially for directors who might want to buy a home in the next 2-3 years.
What's the difference between a chattel mortgage and a lease?
Chattel mortgage: you own the asset, financier has security. Depreciation claimed by your business, GST on purchase price claimable upfront. Lease: the lessor owns the asset and leases it to you; you claim lease payments as expenses. Chattel mortgage is more common for SMEs; leasing suits some cashflow patterns and businesses that want to refresh equipment regularly.
Why would I use a broker instead of going direct to my bank?
Your bank knows one product suite, theirs. A broker knows eighteen. The bank has a set appetite; specialist funders exist precisely because banks pass on profitable lending that doesn't fit their rigid criteria. Plus, brokers don't cost the borrower anything, the funder pays commission either way, same fee pool.
What do you charge?
Zero to the borrower for standard commercial lending. Funders pay commission on settlement, typically 0.4-0.8% upfront plus a small ongoing trail. For complex commercial property or structured transactions above $2m, we sometimes charge a flat advisory fee disclosed upfront. You see the full fee structure in the credit guide before we proceed.
Can I finance a business purchase or buy-in?
Yes. Business acquisition finance is specialist territory, assessed against the target business's financials, the goodwill component, and your experience in the sector. Usually requires 30-50% deposit/equity from the buyer plus personal guarantees. Common structures: term loan secured against business assets, vendor finance portion, personal property security.
What if I've been declined by my bank?
Common and fixable. Banks decline for policy reasons (not enough trading history, sector appetite, too much concentrated revenue) that specialist lenders view differently. We typically know within the first call whether a workaround exists or whether the issue is fundamental. No point running multiple applications; multiple credit enquiries in a short window damage your profile.

Business clients

What owners said after.

“We got a facility three banks had declined. Four days from sending documents to funds in the account. Saved our second-quarter stock buy.”

JW
James W.
Director, West Ryde Manufacturing

“Equipment financed, depreciation claimed, GST sorted. They coordinated with our accountant directly so I wasn't translating between two conversations.”

EM
Elena M.
Owner, Sydney Fit-Out Co

“Commercial property for the partnership. The structure conversation was as important as the rate. They understood what we were actually trying to achieve.”

DP
Dev P.
Managing partner, Parramatta firm

Further reading

Business finance guides.

All business articles

WORKING CAPITAL

Business Finance Options for Australian SMEs

Eight products compared. When working capital beats an overdraft. When a chattel mortgage beats a lease. With real-world examples.

11 min readRead

SHORT-TERM LENDING

Short-Term Business Loans: When They Make Sense

Speed has a price. The scenarios where a 12-24% APR short-term loan is genuinely worth it, and the ones where it isn't.

9 min readRead

EQUIPMENT

Business Vehicle Finance: Chattel, Lease, or Novated?

Three structures, different tax outcomes. How to pick the right one for a ute, a van, or a fleet, with worked examples.

10 min readRead

Start a business finance brief

Twenty minutes.
Funded in six days.

Whatever the business is solving for, working capital, equipment, property, growth, a genuine conversation about what fits.

Or phone us directly · 1800 227 483