Cash Flow is King

When it comes to business, no matter whether it is small or large, cash flow is king. For many business owners this is a source of constant stress as the success of their business relies on it. 

Often a business while have the opportunity and market space to grow however a limited or irregular cash flow can hold it back. This can create unnecessary pressure for business owners and managers.

There are steps which can be taken to provide some relief on the businesses cash flow:

Creating a cash flow budget can provide relief for the business owner and assist them to take back control of their business growth. This is, however, for many people often a daunting task or simply one for which they do not have the time. 

Another key tool for freeing up cash flow is inventory management as it helps with regards to future planning. Old or excess stock can result when certain items do not sell as well as expected and can be a burden on cash flow as it ties up cash which may be needed elsewhere. 

For many businesses the best solution to ensure relief for the pressures of cash flow is to look outside the business. Specialists in corporate finance may be able to find and offer alternatives which would not be available or obvious to a business owner. Utilising the expertise and unique resources of others can often result in the best solution for the business whilst relieving stress for the business owner or manager.

For more information on cash flow relief, or to consult a financial specialist please visit - http://www.capitalaccess.net.au/

Importance of Finances in Business

Cash Flow Finance is the only way a person can build up their enterprise in a confident and strong manner. Businesses are very important not only for the employees, but also for the development of each and every company. The finances and development of the company depend entirely on the progress of the country and that can only be achieved with the help of fruitful and progressive businesses. There are numerous companies that provide cash flow finances for the development of businesses, no matter how big or small. They even provide a financing scheme for sole traders, private companies, semi-government or even for the government bodies. 

Whether it's a small or big enterprise, companies are always ready to provide solutions for them in terms of a capital financing solution. Small service providers, as well as retail businesses, require financing for keeping up with trends. 

Cash flow is related to the movement of money in an enterprise, private companies financial projects or products. Cash flow and finance are helpful in calculating factors that provide information related to the value and present status of the company. 

It becomes important to find a company that offers the best finances for boosting up the stature of every company that comes in contact with them in trustworthy, reliable and responsible manner. Flow of cash in and out of the company is very important and to maintain it, the financial institutes offer finances, making sure that they are able to grant offers with attractive finance terms. Every financial institution has its own style of approaching their clientele with better financial alternatives.

Some of the services that a finance institution offers to their clients are:


·         Vehicle Finance

·         Working Capital

·         Debtors Finance

·         Equipment Finance

·         Commercial loans

·         Equipment Rental/Leasing

·         Acquisition Finance

Amongst all these services, working capital is the most interesting of them all. This is because through this service one can manage the most important aspect of any business i.e. Cash Flow. The pressure of maintaining the working capital is too high and these institutes do understand the importance of cash flow finance in business.  They identify the best suitable working capital finance for the business that is stuck in some unpredictable situations, and the decision related to finances is based entirely on the cash flow. The value of materials, as well as the assets of the company, depends upon the cash flow that every business expects to grow. The flow is also needed because for the growth the firm cash is required for acquiring inventories, pay wages and so on.

If there is a way through which these institutions can help their clients with cash flow then they will find it and offer their clients with the best possible alternative that is needed for the growth of business.

Financing for Commercial Requirements

Finance companies understand the importance of cash flow and the pressures caused by limited or irregular working capital for small and medium enterprises (SMEs). These finance companies arrange working capital finance for the SME’s to fund their operating expenses while they grow. They are adept in identifying the most suitable working capital finance options for you. They also know how to best structure a financing deal and are experts in finding and offering various alternatives when required. They always go the extra length to find a way in order to finance their client’s business needs.

 

An SME’s working capital is the amount of cash that it can deploy at any point quickly for its urgent requirements and so even very profitable businesses can have working capital problems, such as long dated outstanding payments from clients. Working capital financing in a small business helps the company to pay its trade creditors and provides cash flow which is required by the businesses for their day-to-day trading operations.

 

All businesses have a requirement for working capital, but sometimes it becomes difficult to arrange for the cash that they need because they have to wait for large receivables which may sometimes go up to 90 days. Earlier the banks would help the SMEs for these short-term cash flow difficulties with a loan or overdraft extension, but now it’s become much tougher to get bank finance, often due to the requirement of a personal guarantee.

 

Commercial financiers in Melbourne provide working capital to fund day-to-day operations of SMEs. Finance companies have innovative and competitive funding for businesses because the firms maintain healthy balance sheets and thus minimise risk. Commercial financing solutions allow businesses to speed up collections, extend payable terms and improve cash flow. Inventory financing allows the traders to buy more products to resell. Traders use this finance to expand their sales volumes and enable the sellers to accommodate order spikes. These solutions allow businesses to increase the volume of product turnover by selling through their resellers while also providing them with  the  much needed relief from the pressure to pay their suppliers on standard terms.  Because of this, cash flow increases everywhere and the entire distribution channel can enlarge. Receivables financing allow the collection of owed funds more swiftly. It opens up cash flow because the firms can borrow against their accounts receivable and inventory. The Receivables financing include loans secured on inventory, accounts receivable or both. It helps the businesses to get working capital to support their growth.

 

Small businesses look for commercial loans in Melbourne from banks to grow with an interest rate which would not cripple them. Capital Access lets businesses compare loans, lines of credit and overdraft options with ease, so that they can save on interest rates and fees, as well as the bank hassles.

 

Capital Access take pride in their reputation which is built on trust and reliability and so they do everything that it takes to achieve the best results for their clients.

Melbourne commercial finance

Commercial loans from the finance companies in Melbourne are loans which are used to start or expand and develop a business or for purchasing of equipment available at competitive interest rates. Commercial loans are one of the best solutions to meet your financial needs but it’s very important to also review the impact of the loan repayments on the cash flow of the business. It is always advisable to assess the requirements, the repayment terms and compare interest rates, known as the Annual Percentage Rate or APR, of different lenders before deciding on any commercial loan.

The repayment term is generally between one to fifteen years and the interest may be fixed or variable type. The fixed interest rate is fixed at the beginning of the loan term and the interest is determined on the basis of, the amount of the loan, the term and the assessed ability to repay the loan by the due date. The monthly instalment remains constant, even if the bank base rate changes and is advantageous if the bank base rate increases but is a disadvantage if the bank base interest rate drops. In Variable Rate the interest rate is linked to changes in the bank base rate and can therefore increase or decrease depending on what is happening in the open market.

Variable interest rate is an advantage if interest rates fall but you may end up paying a lot more if rates rise. The wide range of commercial  finance options  includes Trade Finance and Progressive Payment Facilities, Debtor Finance Facilities, Insurance Premium Funding, Banking Relationships and commercial property finance.

Commercial property finance are required for purchasing land, acquiring an office or warehouse whether for your own occupation or for investment purposes.

The wide range of Commercial property finance options are:
• VARIABLE RATE – In this the loan interest rate increases and decreases on the basis of prevailing market interest rates.
• FIXED RATE – In this the interest rate is fixed for the entire term of the loan.
• LOW DOCUMENTATION – In this some Investors who are unable to supply required financial documents at the time of application are provided finance on the basis of a set percentage of the property’s value without verification.
• INTRODUCTORY OFFER RATE – In this case sometimes the loan is provided on a lower interest rate for the first six months to three years.
• LOAN AGAINST EQUITY – It is a very flexible type of loan which enables the use of equity held by a borrower as a security for the loan availed. It is ideal for a committed investor in the stock market.
• COMBINATION LOAN - In this the borrower can divide the loan between two different loan structures; for example, half of the loan on a fixed rate and the other half on a standard variable rate.
These commercial finance companies offer complete, diverse and flexible range of Commercial financing services and are accredited with Australia’s leading financial institutions which ensure that they are able to offer attractive finance terms, which are tailored to suit the client’s particular business finance requirements.



http://www.capitalaccess.net.au/

Working Capital Finance

Melbourne is known for having the best financial institutions available for business development and growth. These institutions provide working capital finance, commercial property finance, cash flow finance, business equipment finance and ensure that you get what you desire. They study, understand and go through all the business prospects and results and then recommend or suggest the best possible services that could be beneficial for their clients.

These working capital finance companies in Melbourne have won the business communities  trust by their unconditional, honest assistance provided to each and every client they deal with. They have been providing commercial finance, working capital finance, cash flow finance services for many years now in Australia. They have thousands of  business clients to whom they provide their services with sincerity and honesty. Their client list has large and small businesses, sole traders, private companies, and government and semi-government bodies and they have proved themselves in satisfying their client’s financial needs efficiently and honestly.  Their client list  has been constantly increasing as the clients trust these finance service providers  and entrust them with all their financial problems so that they are able to provide the best possible solution for their business. Thus, to ensure that the clients keep their trust in them, they have to become trustworthy as their advice plays a very important role for the business client.

Working capital funds are required by the business client’s for the purchase or refinance of commercial, industrial, residential property, solicitor’s fees, insurance company premiums, machinery purchase, etc. They take care of all property and commercial financial needs of their client and provide overdraft facilities to their clients to meet their financial requirements. The loan could be for property purchasing, re-financing, equity release, or for construction or development purposes. They provide personal service to solve all their client’s financial problems. Flexible Working capital finance is also arranged by these finance companies for their clients. Business equipment finance is provided to clients who wish to purchase equipments , Machinery or furniture for their businesses. The clients receive quality advice from these experts for all business requirements like leasing, renting, hire purchase or mortgage.

These finance companies  get their  work done with the help of experienced and professional capital finance brokers, agents and lenders who help them in securing loans at low rates of interest from banks for their clients. They give honest and prompt response to all the client’s queries. They thoroughly understand the client’s requirement first and  then suggest the best possible financing alternatives and options to their clients. They do all the hard work required in making the financing possible for their esteemed client. They also provide ongoing support to their client so that they don’t have to wait on hold with banks for their payout figures, change of address and direct debit details.
These financing companies also provide short term loans which offer their client a quick way to take advantage of competitive rates without endless paperwork and hurdles to overcome. After the application is completed and forwarded to them by the client along with supporting documentation, they assess it and respond often within one hour. They also can settle their client’s loan fast and also provide them with constant feedback about their loan status.


http://www.capitalaccess.net.au/

Debtor and working capital finance, Melbourne

The finance companies provide Debtor finance if  a business has difficulty in maintaining creditor payment cycles which causes unnecessary pressure on the  business. The debtor finance is also provided if cash flow is to be freed in order to fund operating expenses and growth of  the business. Debtor Finance lets a business owner to access the money tied up in their outstanding invoices without giving collateral security of property papers. It gives the borrower the power to control the working capital and hence avoiding the problems associated with irregular cash flows. It is one of the best ways to finance the growth of business, for developing new products or services, undertake acquisitions or executing business succession. In the Debtor finance facility the borrower is allowed to withdraw funds within 24 hours of an invoice being approved and so they don’t have to wait for weeks or months for their customers to settle their account.

Debtor Finance helps the business owner to release working capital for his business and makes seasonal peaks easier to manage and the borrowing limit is determined by the size of the accounts receivable ledger of his business.Lack of working capital is one of the main reasons that businesses fail nowadays and therefore Short term working capital loans are a boon for businesses that have a plan but need a little extra capital to put that plan into motion. These working capital loans are designed to give businesses the cash inflow when they need to get over the cash crunch and thereby achieving greater success.

The most common reasons why working capital is required by businesses are to increase inventory, to purchase necessary business equipment and for cash flow management. If new machinery based on advanced technology is required by a business for its betterment then the Working capital finance from a financial institution becomes a boon for the business owner. This loan can also be used for covering monthly expenses such as rent, advertising costs, and salaries, when own funds are awaited. The working capital finance is generally available for terms ranging from 6 to 12 months, without any application fees, no foreclosure penalties, on fixed or variable interest rates. These advances can be used for buying supplies and inventory, for launching a new website, for marketing campaigns, for buying software or hardware or for any other requirement. The benefits of these working capital loans are that they are tax deductible, gets approved quickly, have easy repayment terms, and also because no collateral security is required.



These finance companies understand that every business has difficult situations and so they assist the businesses to achieve their goals though commercial and corporate asset finance solutions like Debtor finance and working capital finance which are specifically tailored to individual business requirements. They have successfully provided finance services to business clients which include small and large companies, traders and also government and semi government companies. These commercial finance companies  are widely recognised and trusted in Australia as they are able to get finance  even in difficult and complex cases.

http://www.capitalaccess.net.au/

Commercial finance and loans

The Capital finance companies have been providing commercial finance services to the Melbourne Business clients for the past several decades. They have been providing financial assistance to thousands of commercial establishments in Melbourne and its suburbs. Their clients include large and small businesses, sole traders, private companies, and government and semi-government bodies and they have proved themselves in satisfying their client’s financial needs efficiently and brilliantly. The commercial finance providing companies have expertise, resources and financing options to serve the business finance needs of their clients. They provide commercial loan, overdraft, debtor financing, funding for equipment or vehicle purchase and lease.

They are accredited with Australia’s leading financial institutions, ensuring that they are able to source and offer lucrative finance and loan options. Their reputation is built on trust and reliability to realize the best results for their business clients. They are experts in providing fund, managing loan facilities and providing credit facilities to the clients. These financial institutions are very pioneering and global in their approach towards satisfying their client’s financial needs. In Melbourne, they have successfully assisted a number of clients by helping them acquire property, equipments for their business, motor vehicle, mortgage and business loans. They are experts and are known to provide help and assistance in providing finance / loan even in   difficult and complex cases.

The commercial finance providing companies have their own commercial finance brokers who provide complete information on the flexible range of financial services like loans and funds for commercial purposes, for debtor financing, purchasing a vehicle or property. They also provide assistance by giving their clients options for saving their hard earned money by investing in commercial, industrial or residential purposes. They offer personalized services and have experienced and professional commercial finance brokers, agents and lenders to serve their client’s financial needs. These brokers provide correct, prompt and responsible financial solutions either directly or sometimes through vendors and professionals, to their clients.

They have the provision of providing ongoing support to their customers so that they do not have to wait with banks with regard to payout figures, change of address and direct debit details. They assist their clients in providing financial help for commercial mortgage requirements Australia wide like Investment properties, New or Refinance, Principal and Interest, Interest Only, Variable Rates, Fixed Rates, Owner occupied or leased, Construction Finance. Their expertise in Debtor Finance allows their clients to draw down funding within 24 hours of issuing an invoice sent for approval. Through this, their client’s do not have to wait for their customers to settle their account as it releases working capital for your business and the borrowing limit is found by the size of the accounts receivable ledger. They provide free cash flow finance for wholesale businessmen. They arrange for options to provide working capital finance which are flexible.  Business equipment finance is available for purchasing equipments for large and small businesses. They take care of all your property and commercial financial needs.

 

http://www.capitalaccess.net.au/

Business financing in Melbourne

There are many prominent and highly acclaimed providers of financial services to business both large and small, traders, private limited companies, and government and semi government  companies. They have been in the business for many decades and have successfully provided finance to all businesses in Melbourne.  A client is always serviced whether they need a commercial loan, overdraft, debtor financing, funding for equipment or vehicle purchase or lease and so they have a proven history of lending resources to serve all business finance needs. They provide a complete, diverse and flexible range of financing services and options to the industry and are accredited with all Australia’s leading financial institutions which ensures that they are able to source and offer attractive finance terms.

Their difference is in their approach and personal commitment to their clients and they actually care about the results of their business and they always spend considerable time to understand, assess and then recommend the best possible financing alternatives. They take pride in the reputation which they have gained because of their trust, reliability and their attitude to do whatever it takes to achieve the best results for the clients business.

They offer a wide range of Business Equipment Finance solutions and understand that every Equipment Finance purchase and business is different.  Their wide range of finance options includes specific security agreement or chattel mortgage, Hire purchase, Rental, operating and finance leases. The first step involves the visit of their representative to find out the clients requirements, both present and future.  He works to understand the clients  business and then based on his expertise determines  which financier is suited to provide the best finance for the type of equipment the client wants to purchase.

They offer a complete, diverse and flexible range of equipment financing services and options and able to offer attractive finance terms, tailored to suit the client’s particular requirements. They specialise in Commercial Equipment Finance & leasing in the areas namely  Metals Manufacturing machinery & equipment,  Warehousing equipment , Packaging Equipment , Catering equipment , Food processing machinery & equipment, Printing Equipment & Machinery, Trade equipment , Office furniture & fittings,  and Medical and dental equipment.

Their  Business Finance Services include  Mortgages,  Debtor Funding / Factoring,  Cash Flow Lending,  Letters of Credit,  Business Acquisition,  Insurance Premium Funding, and Development Finance. For commercial mortgage requirements they provide finance for Investment properties which may be New or Refinance,   Owner occupied or leased and on Principal & Interest or Interest only which maybe on Variable Rates or Fixed Rates. They provide debtor finance for funding business growth, developing new products or services, and for making new acquisitions. They provide cash flow lending for the pressures caused by limited or irregular working capital. They also provide Insurance premium funding at the time of irregular cash flows.

As a part of Australia’s large equipment finance market their success depends on personalised services and reputation for providing clients with individually tailored financial packages.

http://www.capitalaccess.net.au/

Business / Development finance

The Business development Companies are providers of banking, financial, advisory, investment and funds management services have been serving the people of Melbourne, Autralia. These companies have been providing financial services to many large and small business, sole traders, private companies, and government and semi-government bodies for the past 20 years. They have been handling the business client’s requirements like business finance, loan, overdraft, debtor financing, development finance, funds required for purchasing equipments or vehicle. They have proved  it always  with their expertise and lending resources that they are able to serve the business finance needs of their clients. For any problems related to  Business/ Development Equipment Finance requirement, these financial experts help in the most trusted and honest manner and provide various alternatives to their clients.
These firms are experts in providing business equipment finance to the companies in Melbourne.  For a businessman, finding a good business equipment finance company is a very crucial decision for the gowth of his business enterprise. A good finance company offers a variety of options and solutions for equipment leasing, hire purchase arrangements  depending on the client’s requirement with regard to his business growth or development.

These finance companies believe in establishing a long time relationship with their clients. Getting financial assistance for business equipments form the right finance company makes a large difference to the business operation and success of the business. They have to be  reliable and should have resources to cater to all business financing needs like equipment finance, working capital requirements etc. The Finance companies in Australia have experience and track record of their success providing very good service.  They extend prompt and honest service to their clients under all circumstances. The plans offered for equipment finance are very flexible and suitable to the needs and requirements of the business. The different Equipment Financing Services & Options they provide are Corporate Hire Purchase, Chattel Mortgage, Novated Lease, Finance Lease, Sale and Lease back, Rental or Operating Lease, Small Ticket Finance.

The development finance companies assist their clients to fulfill their dreams and their business goals through commercial and business equipment finance solutions specially adapted to suit their requirements. They specialise in Commercial Equipment Finance & leasing and have had experience and success in servicing industries like Metals Manufacturing machinery and equipment, Warehousing equipment, Packaging Equipment, Catering equipment, Food processing machinery and equipment, Printing Equipment & Machinery, Trade equipment, office furniture and fit outs, medical and dental equipment. If a client requires equipment finance for large scale heavy machinery or small scale commercial equipment financing, they devise a strategy to give their clients the best prospects a deal can bring to them. They always stand out in finding and offering finance loan alternatives to their clients whenever required and are always ready to go the extra mile for their clients.  Through their personalized service, these finance companies have earned respect and trust of thousands of their clients in Melbuorne.  They know exactly how to deal with the finance problems faced by their clients and offer suitable solutions to them.


For more information please visit: http://www.capitalaccess.net.au/