Debtor Finance & Working Capital

Working Capital - Import/Trade Finance

Importing stock from overseas used to be the exclusive domain of the banks and usually involves putting up property as security. The downside to this is the banks will normally only advance funds in line with the amount of property security they hold, which has some obvious drawbacks. Collins Finance Services can assist you in going beyond these
constraints by establishing facilities that can grow in line with your cash flow expectations,
rather than the value of your property holdings. We have years of experience assisting businesses in
this manner and would welcome the opportunity to discuss your ongoing requirements.

 

Overdraft & Lines of Credit
Collins Finance Services will work with you to understand your business and suggest the most cost effective solution  for your working capital requirements.
Whether it be an overdraft facility,refinance of assets or line of credit, our finance specialists will provide your business with a solution to suit your needs. As with all our customers,
if your circumstances change, we will review your situation and restructure your facilities as required.

 

Debtor Finance

Debtor Finance is commonly referred to as Invoice Discounting, Invoice Finance, Factoring & Receivables Finance to name a few. Irrespective of the name, it has become a mainstream finance tool for Australian businesses to manage cash flow.
 

Debtor Finance is NOT an off-the-shelf finance product and many variations exist from a wide variety of financiers (both bank and non-bank lenders).

Our Finance Specialists are highly experienced and well equipped in structuring the right products that best suit your business. We will discuss product features such as:

 

• Confidential vs Disclosed agreements

• Full service, partnership or self-managed

• Rate of retention release

• Recourse terms

• Minimum term of agreements

• Pricing structures

 

All of these features have variations, and as such a Debtor Finance product is essentially “built” to the requirements of your business, taking into consideration your specific financial circumstances. Typically there is no requirement for property security on these facilities, and as such the finance limits can grow with your business turnover and not be limited to the amount of property

you own.