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Business Funding, Debtor Finance and Short Term Business Loans

Business Funding is a nationally operated private and short term funding specialist. Business Funding can also assist with Debtor Finance or Invoice Finance /Factoring by showing you how to access working capital from your outstanding invoices.

We have direct access to business funding so we can facilitate your short term business loan or second mortgage application quickly and provide you with short term funding usually within 5 business days.

Whether you’re an investor or business owner you need to move fast in todays market. By dealing with Business Funding you’ll have the confidence to commit and the means to act quickly so you dont miss the opportunity presented to you.

Business Funding specialises in short term lending or bridging finance secured by caveat or a registered mortgage taken over a suitable security property for business purposes.

Business Funding Purposes

  • Business Opportunities and Expansion
  • Working Capital for Your Business
  • Urgent Funding needed for Business or Investment
  • Business Cashflow Crisis or Shortfalls
  • Property Funding needed to secure your next Development Project
  • Development Funding for Property Developers

Funding News

Business Funding

Short Term Business Funding is usually secured by Caveat or Second Mortgage and these loans need to be for Business and Investment purposes. Business funding can be used to assist with working capital management and to assist with short term cash flow problems.

In many cases these business loans are used as bridging finance loans to bridge the funding gap.Short Term Business Loans and bridging finance are secured by caveat or registered mortgage taken over a suitable security property for business purposes.

Business Funding can assist with improving control over business cash flow and Debtor Finance can help release the family home debt from the business. Better business funding can also improve margins by providing more buying power and as well as greater certainty in making strategic business decisions.

Debtor Finance or Invoice Factoring

If your business sells on credit terms to your customers, you may be able to leverage against these customers to obtain business funding or working capital. Put simply, when you invoice a business customer for goods or services provided, this debt is an asset of your business and you can borrow against it by invoice factoring.

Invoice factoring funders will lend around 80% of the value of your invoices and provide funds to your business when these invoices are generated. When your customer pays the invoice/debt, the remaining 20%, less the invoice factoring funders charges is paid to your business. This type of business funding is becoming increasingly popular especially since traditional banks are lending less to business customers.

Invoice discounting and invoice factoring both allow you to draw funds against money owed to your business, usually in the form of accounts receivable invoices. So,if you have immediate bills or salary/commitments to pay and your business has confirmed invoices that are not due for payment for a few month’s time, to raise instant capital you can either take out a business loan secured against your outstanding invoices known as Invoice discounting or you can sell your business' invoices to a third-party known as a Invoice Factoring.Both these methods are great tools for business funding.

Common scenarios where Debtor Finance can assist would be in situations where the business owner wants to replace or reduce debt secured by the family home or for labour intensive businesses where wages have to be met well ahead of receivables. More and more business are waking up to the advantages of invoice finance and are beginning to use invoice discounting and invoice factoring to reduce time and resources spent on collecting money.

Sourcing Business Finance

Searching for Business Funding for a new business can be a long and difficult process.New businesses are forced to rely on traditional bank lending, ask family members or friends or search for outside investors.This is the reason why short term business loans secured against a residential or commercial property can often be the easiest and quickest way to fund a new business

Once the business has a proven track record and growth it can then look for traditional funding from banks or from angel investors.Business funding can take many forms ranging from debtor finance or invoice factoring to caveat and second mortgage lending. Business funding usually requires the funds to be used for business or investment purposes.

In terms of securing finance, getting good advice and mentoring can make the difference between success and failure. New business owners need to think carefully about what will be required by the people who you hope will fund your business. If you're going for a traditonal bank loan, can you provide the security they require and show your ability to make the repayments? If you're pitching to a angel investor, can you demonstrate how the investor will make a return on their investment? If you're looking to get a business or government grant, do you meet the specified objectives? Getting business advice and business coaching preferably from someone who has had success in securing funding previously can be invaluable.