Cashtech · case studies
Real shapes of real deals.
Anonymised case studies from across the panel: amounts, structures, outcomes, and which lender fit. Names are anonymised; everything else is realistic.
Recent case studies
10 situations across the panel.
Sorted by how the deal was structured. Each links to the relevant product page if you want to dig into the mechanics.
Hospitality & accommodation·Fitout finance·$180K total
Café fitout via blended equipment + working capital
How fitout finance worksSituationNew café, three weeks before opening; fitout costs $180K hard goods + $25K working capital for marketing and opening payroll.
What fitEquipment finance for the kitchen and front-of-house equipment; separate unsecured working capital for soft costs and launch buffer.
OutcomeEquipment delivered for fitout schedule, working capital available from day 1, repayments matched to expected card-volume build.
Tradies & construction·Chattel mortgage·$420K total
Tradie fleet expansion via chattel mortgage
How chattel mortgage worksSituationEstablished roofing crew adding three utes plus specialist equipment; existing fleet of 4 trucks, 7-year ABN history.
What fitBundled chattel mortgage facility, 5-year terms across the assets, 25% balloons aligned with expected trade-in cycle.
OutcomeApproved in 48 hours, vehicles collected on coordinated schedule, GST claim flowed through next BAS, weekly repayments aligned with subby pay schedule.
Manufacturing·Invoice discounting·$1.2M facility
Manufacturer scaling via invoice finance
How invoice discounting worksSituationMid-sized manufacturer scaling 50% YoY; B2B customers on 60-day terms; growth blocked by working-capital cycle.
What fitConfidential invoice discounting facility, 80% advance rate, scaling with the receivables ledger as turnover grows.
OutcomeCashflow cycle compressed from 60 days to 1; growth funded without overdraft pressure or dilutive equity raise.
Allied health & medical·Owner-occupier loan·$1.8M loan
Medical practice premises purchase
How owner-occupier loan worksSituationEstablished suburban GP, 8 years in practice, currently leasing the clinic at $90K p.a.; lessor preparing to sell.
What fitOwner-occupier commercial loan via a major-bank medical specialist program, 75% LVR, 20-year amortisation, held in unit trust on accountant advice.
OutcomeRepayments comparable to rent, equity built rather than spent. Settlement coordinated with the lessor sale at agreed price.
Property developers·Development finance·$4.5M project
Property developer capital stack assembly
How development finance worksSituationBoutique developer with two prior projects, 6-unit townhouse development, 50% pre-sales achieved.
What fitLayered capital stack: $2.5M senior bank debt, $0.7M mezzanine, $1.3M developer equity. 18-month term, sale-driven progressive payout.
OutcomeProject funded across the stack with coordinated documentation; takeout via individual unit sales as buyers settled across 6 weeks.
Ecommerce & online·Unsecured business loan·$250K loan
Ecommerce business pre-Christmas inventory
How unsecured business loan worksSituationEstablished DTC homewares brand, $400K stock buy required 90 days before peak season, existing facility maxed.
What fit$250K unsecured business loan via fintech lender, 12-month term, sized to retire across the trading peak.
OutcomeInventory landed pre-peak. Loan repaid in full within 5 months as peak-season revenue cleared. Lender pre-approved expansion for next cycle.
Transport & logistics·Heavy vehicle finance·$340K facility
Transport business heavy vehicle replacement
How heavy vehicle finance worksSituationMid-size transport operator replacing two ageing prime movers, established 12-truck fleet, structured asset facility in place.
What fitPer-truck addition under existing structured asset facility; 6-year terms, 20% balloons aligned with industry trade-in pattern.
OutcomeTrucks delivered on coordinated schedule, fleet refreshed without disruption, existing facility relationship strengthened the next round of pricing.
Professional services·Owner-occupier loan·$950K loan
Professional services premises purchase
How owner-occupier loan worksSituation8-partner accounting firm in growth phase, signing a 10-year strata premises lease offer; partners preferred ownership.
What fit$950K owner-occupier commercial loan, 70% LVR, held in a unit trust under accountant guidance.
OutcomePremises secured at fixed cost across 20 years; partnership structure handled tax-efficiently. Refinanced at year 3 as LVR improved.
Hospitality & accommodation·Fitout finance·$380K total
Restaurant refurbishment + opening capital
How fitout finance worksSituation5-year-old restaurant refitting kitchen and front-of-house, $260K equipment + $120K working capital for marketing and bridging.
What fit$220K equipment finance for hard goods, $40K working capital line for soft costs and bridging, $120K unsecured for marketing and reopening capital.
OutcomeRefit completed during 6-week winter close, reopening with a fresh equipment package and a marketing buffer. Card volumes recovered within 8 weeks.
Property developers·Land banking·$1.5M facility
Subdivision developer land banking facility
How land banking worksSituationMid-sized developer subdividing semi-rural acreage into 30 lots; 18-month DA process expected before development could start.
What fit$1.5M land banking loan, 65% LVR, 24-month term, exit via refinance into development finance once DA approved.
OutcomeDA approved at 16 months; land banking refinanced cleanly into development finance with the same lender at improved pricing.
Anonymised to protect client identity. Amounts and structures are realistic; specific names, locations, and dates are removed.
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