Cashtech Business
Business finance, sorted by people who do it every day
Running a business means making finance decisions on top of everything else. We are an independent business finance broker. We compare options across our whole lender panel, recommend what genuinely suits your situation, and explain the trade-offs in plain English. You pay us nothing; the lender pays us when your finance settles.
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
Most businesses do not run out of profit. They run out of cash at the wrong moment. We compare working capital options across our whole lender panel, match the structure to your cash cycle, and explain the real cost in plain English.
Explore working capitalInvoice and debtor finance
If your customers pay on 30, 60 or 90 day terms, your cash is locked up in invoices you have already earned. Invoice and debtor finance releases that money early so your cash flow keeps pace with your sales.
Explore invoice financeEquipment and asset finance
When a business needs equipment, machinery or vehicles, paying cash up front is rarely the smartest move. We compare equipment and asset finance across our whole lender panel and match the structure to how you use the asset.
Explore asset financeCommercial property finance
Buying premises, developing a site, or refinancing a commercial property is one of the larger financial decisions a business makes. We compare commercial property finance across our whole lender panel and structure the loan around your plans.
Explore commercial propertyTrade and import finance
If your business imports goods or trades internationally, there is almost always a cash flow gap to manage. Trade and import finance bridges that gap so you can commit to orders and pay suppliers without draining your working capital.
Explore trade financeBridging and private finance
Some deals do not wait for a standard bank timeline, and some do not fit a standard bank boxes. We arrange bridging and private finance across our panel of specialist and non-bank lenders, structure it so you have a clear exit, and explain the cost and the risks in plain English.
Explore bridging & private
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.