A business line of credit works like a credit card. It gives your business access to a pool of funds, up to a limit. You can withdraw funds when needed and you only have to pay interest on that amount, not the total amount available. Some lines of credit expire after a set time, while others can be revolving.

A chattel mortgage is the same product as a secured car loan only for assets that are purchased primarily for business use. For example, if you’re a builder and you need to buy a skid steer to clear a job site.

A commercial hire purchase (CHP) is a commercial finance product where you hire the vehicle from the lender for a fixed monthly repayment over a set period. It’s a good choice if you are registered for GST on an accruals or cash accounting basis.

A sale-leaseback enables a company to sell an asset to raise capital, then lets the company lease that asset back from the purchaser (The bank). In this way, a company can get both the cash and the asset it needs to operate its business.

Obtaining the use of machinery, vehicles or other equipment on a rental basis. This avoids the need to invest capital in equipment. The equipment also shows up on your income statement as a lease expense rather than a purchase.

Debtor finance turns unpaid invoices into quick, efficient cash flow for growth and other business purposes.

Invoice Finance means you’re able to leverage your unpaid invoices to fund acquisition, expansion or effect a management buy-in or buy-out.