Services guide

Cashtech is an independent Australian commercial finance brokerage. This guide explains what we do, the lenders we work with, how we are paid, and how to engage us. We charge no fees to clients. The lender pays us at settlement.

Who we are

Cashtech is a service offered by Trimorph Pty Ltd ABN 87 604 290 931 ("Cashtech", "we", "us","our").

Office: Level 1, 6 Hassall Street, Parramatta NSW 2150
Phone: 1800 227 483
Email: [email protected]
Web: www.cashtech.com.au

Services we offer

We arrange commercial finance for businesses, including:

• Working capital - unsecured business loans, business overdrafts, lines of credit, cash flow loans, merchant cash advance.
• Equipment and asset finance - chattel mortgage, hire purchase, finance lease, vehicle and truck finance, agricultural and specialist equipment.
• Commercial property finance - owner-occupier, investment, refinance, construction, development.
• Invoice and debtor finance - factoring, invoice discounting, asset-based lending.
• Trade and import finance - import/export finance, letters of credit, supply chain finance.
• Bridging and private credit - caveat loans, commercial bridging, private credit and specialist arrangements.

For each engagement we compare options across the lender panel, recommend a structure that fits your business, handle the application paperwork, and progress the deal through to settlement.

Scope of our work

Our brokerage services cover commercial finance only: borrowings used for business or investment purposes by companies, trusts, partnerships, and sole traders trading under an ABN.

We are not currently authorised to arrange consumer credit (home loans, personal loans, refinancing for personal use). If you contact us for consumer credit we will refer you to an authorised credit provider or broker.

We are not financial advisers, tax agents, or legal advisers. We do not provide personal financial product advice, investment advice, tax advice, or legal advice. Where decisions you make in connection with our work have tax or legal implications, we will recommend you speak to an accountant or solicitor.

Lenders we work with

We work with a panel of Australian commercial lenders across the main product categories. Our active lender panel is published at cashtech.com.au/business/lender-panel. The list is reviewed quarterly and is updated when lenders enter or leave our panel, or when their appetite changes materially.

We will tell you which lenders we considered for your particular situation, and which we recommend, before we submit your application.

How we are paid

We are paid by the lender, not by you, in the form of commission. There are two common forms of commission:

1. Upfront commission - paid by the lender at settlement, calculated as a percentage of the loan amount or approved facility limit.
2. Trail commission - paid by the lender each month while the loan is in place, calculated as a percentage of the outstanding loan balance or limit.

Commission rates vary by lender and product. Indicative ranges across our current panel:

• Working capital and unsecured business loans: upfront 1% - 4% of the approved facility limit; trail 0% - 0.5% per annum.
• Asset and equipment finance: upfront 1% - 3% of the financed amount; trail typically nil.
• Commercial property: upfront 0.5% - 1% of the loan amount; trail 0.1% - 0.25% per annum.
• Invoice and debtor finance: upfront 0.5% - 2% of the approved facility limit; trail 0% - 0.4% per annum.
• Trade and import finance: upfront 0.5% - 1.5% of the facility limit; trail varies.
• Bridging and private credit: upfront 1% - 2% of the loan amount; trail generally nil.

These are ranges, not promises. The actual commission for your transaction will be disclosed to you in writing before you sign a credit contract.

Fees payable by you

For standard commercial brokerage work, we do not charge you a fee. We are paid by the lender at settlement.

In limited circumstances - typically complex private credit or distressed-finance arrangements where significant additional structuring work is required - we may charge a fee directly to you. If this applies, we will agree the fee with you in writing in advance, before doing the work.

Conflicts of interest

Commission arrangements can give rise to conflicts of interest because we are paid more for some products than others. We manage this risk in the following ways:

• We recommend the option we genuinely consider best suited to your needs and circumstances, not the option that pays us the highest commission.
• We disclose the commission applicable to your specific transaction in writing before you sign a credit contract.
• Our internal remuneration arrangements do not align our staff incentives with specific lender commission rates.
• We hold a current conflicts management policy that is available on request.

If you are ever concerned that a recommendation may be influenced by our commission arrangements, ask us and we will explain the recommendation and the commission together.

How an engagement works

1. Discovery call - 15 to 20 minutes by phone or video. We understand the use of funds, your trading history, and the timing.
2. Lender shortlist - we identify two or three lenders most likely to fund the situation on good terms and tell you which we considered.
3. Application - we help you assemble the supporting documents and submit. You stay involved on key decisions; we handle the paperwork.
4. Term sheet review - when approvals come back, we translate the offers into apples-to- apples effective annual cost so the comparison is honest.
5. Settlement - documentation signs, funds settle to your operating account or the supplier. We follow up at 6 and 12 months to check the structure is still right.

Privacy

Personal information you provide to us is handled in accordance with our Privacy Policy and applicable Australian privacy law. Our Privacy Policy explains what we collect, how we use it, the third parties with whom we may share it (including lenders during the application process), and how you can access or correct it.

Complaints

If you are unhappy with anything we have done or failed to do, please tell us. Our internal complaints process is set out in our Complaints Handling Policy.

The quickest way to lodge a complaint is by phone on 1800 227 483 or by email to [email protected].

If we cannot resolve a complaint to your satisfaction, you can refer it to the Australian Financial Complaints Authority (AFCA) at www.afca.org.au or by phone on 1800 931 678.

Contact us

For any question about this Services Guide or about a specific transaction:

Cashtech (Trimorph Pty Ltd)
Level 1, 6 Hassall Street
Parramatta NSW 2150
Phone: 1800 227 483
Email: [email protected]

This Services Guide is issued by Trimorph Pty Ltd ABN 87 604 290 931, trading as Cashtech. It should be read alongside our Privacy Policy, Terms of use, and Complaints handling policy. Information in this guide is general in nature and not intended as personal financial, legal, or tax advice.