Business Loans

Short term funding

This funding is typically for 3-6 months and may assist your business to resolve a range of pressing problems. For example, if your business is experiencing a temporary loss of liquidity, you are under pressure from creditor demands, you need to consolidate business debts, you need to pay GST, salaries or superannuation, or you require short term capital to purchase stock, fund expansion or to acquire another business.

We are aware that businesses often need this type of funding in a hurry. The application and processing are quick and simple, and funds are made available in a very short time frame. There are no upfront costs and no monthly repayments. Capital and interest are paid at the conclusion of the loan.

Invoice finance

This funding enables you to access monies owed to your business by clients, primarily using your accounts receivable ledger to secure the loan. This can provide your business with the means to resolve short or medium  cash-flow problems. Corporate Guardian can assist you with straightforward invoice discounting through to full service factoring. Depending on your requirements and client base, this arrangement can be kept confidential so that neither your debtors nor creditors need to be aware of the situation. Invoice financing can range from a single invoice to a 12 to 24 month period and has the distinct advantage of being able to grow with your business.

Unsecured trade finance

This funding is available only to businesses that have a minimum three year good trading record and an annual turnover of at least $3 million. The funds can be used to enable your business to finance domestic or international trade, and can include stock purchases to payment for services. Unsecured trade finance is available from a one-off contract to an ongoing rolling finance facility.

Business overdraft

This standard form of funding allows you to draw money against a rolling line of credit. Interest is calculated only on the amount that you draw down. A business overdraft is generally a longer term loan and is usually secured against real estate.

Mortgage finance

This funding is a common way to transfer equity from an asset - usually real estate – to your business. As interest rates on this type of loan are usually at the low end of the spectrum, this can be an effective way of consolidating debts and repaying them over a longer period of time; 25 years or more. Mortgage funding usually takes longer to organise. If your requirements are more urgent, in the interim, short term bridging finance can be arranged.