BUSINESS FUNDING IN CONTEXT

Five ways to put serious capital to work.

These are constructed educational examples — not funded customer transactions, lender offers or promised outcomes. See how businesses can map genuine costs, possible finance structures and the proof a lender may require.

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01 / BUSINESS GROWTH$1.2 million

Recruiting a 15-person team and building a sales engine

A mature services business has recurring contracts but an overstretched delivery team. Management wants to build the next revenue line while maintaining cash reserves.

Illustrative use of funds

Recruitment and onboarding$320,000

Sales and marketing expansion$240,000

Working-capital buffer$340,000

Systems and technology$150,000

Contingency$150,000

How finance might be structured

Potentially a secured term facility combined with a revolving working-capital line. The right mix depends on existing earnings, cash-flow seasonality and collateral.

What a lender may want to see

Show historic financial performance, hiring timeline, expected cost of each role, contracted revenue and realistic repayment headroom.

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02 / ASSET INVESTMENT$2.2 million

Turning a regional logistics operator into a larger fleet business

A logistics company has several new customers and wants vehicles and handling equipment without fully draining working capital.

Illustrative use of funds

Commercial vehicles$1,200,000

Warehouse equipment$650,000

Implementation and technology$100,000

Working capital$250,000

How finance might be structured

Equipment or fleet facilities for identifiable assets may sit alongside separate working-capital funding. Supplier payment may differ from unrestricted term-loan proceeds.

What a lender may want to see

Lenders may want signed customer contracts, asset quotes, existing fleet performance, cash-flow forecasts and evidence of the equity contribution.

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03 / BUSINESS ACQUISITION$5 million

Acquiring an established competitor without starving the combined group

An established operating company wants to purchase another profitable business, retain key staff and finance integration costs.

Illustrative use of funds

Business purchase price$3,500,000

Integration and transaction cost$450,000

Working-capital headroom$600,000

Existing business debt refinance$450,000

How finance might be structured

A combination of acquisition term debt, asset-backed lending and an operating line may be discussed, subject to the target company’s financials and transaction structure.

What a lender may want to see

Acquisition agreements, historical accounts, valuation, buyer equity, post-acquisition cash flow and integration plans are often central.

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04 / PROPERTY DEVELOPMENT$22 million

Delivering a townhouse project through staged funding

A developer has secured a viable site and needs funding from settlement through construction to completed stock.

Illustrative use of funds

Site acquisition and land$7,000,000

Construction program$18,000,000

Professional and statutory costs$2,000,000

Contingency and interest reserve$3,000,000

Illustrative sponsor contribution$8,000,000

Commercial funding sought$22 million

How finance might be structured

Development and construction facilities can release funds progressively on quantity-surveyor milestones. Interest may be paid monthly or capitalised under certain approved arrangements.

What a lender may want to see

Feasibility, project approvals, valuation, builder contract, cost-to-complete, borrower equity and a clear exit or sales strategy matter.

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05 / MAJOR DEVELOPMENT$100 million

Delivering a large mixed-stage residential development

A sophisticated developer plans a multi-stage program of residential dwellings and infrastructure. Financing may be tranched as stages become ready.

Illustrative use of funds

Land and site interests$30,000,000

Development and construction$80,000,000

Engineering, legal and approvals$7,000,000

Reserves and contingencies$8,000,000

Illustrative sponsor contribution$25,000,000

Commercial funding sought$100 million

How finance might be structured

Large development funding may involve senior construction debt, staging, security packages and multiple parties. The published $250m range applies to qualifying development finance rather than everyday business term loans.

What a lender may want to see

Detailed project feasibility, valuations, sponsor capability, staged cash flows, cost plan, presale/exit strategy and due diligence will typically be important.

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Which scenario resembles your next move?

Start from one of the examples, replace the figures with your actual needs and check the repayment illustration before sending an enquiry.

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