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Long term loans for larger business requirements, with loan terms of 15 – 30 years depending on whether commercial or residential security is being used. Term loans generally attract a better interest due to being secured by property.

Provides export operators with finance to cover the gap between selling goods and receiving payment and import operators with finance to cover the gap between buying goods and receiving the goods for sale.

The lender loans you money to buy stock to sell, secured against the stock purchased. When you sell the stock, the lender is repaid the initial purchase price, plus the interest for the period the stock was held.

Larger assets such as plant, robotics, equipment and vehicles, have a stand alone loan facility secured against the asset. There are different chattel mortgage and lease options available, that effect ownership and have taxation impacts.

Also known as invoice finance or factoring, it involves a lender purchasing your outstanding debtor invoices. You generally get 80% upfront and the remainder when the invoice is paid, minus a fee. It can assist in increasing cash flow.

Line of credit facilities are revolving interest only loans secured by property. There is no fixed repayment amount and there is no end date. Monthly repayments are determined by the amount that has been draw down and the current interest rate.