What is debtor financing?

Read this article on debtor finance or invoice financing and how it can help your business:

https://www.intellichoice.com.au/find-right-invoice-finance

Small business finance scrutinised

The Senate Economics Reference Committee has found that small business finance has tightened over the past couple of years and become more expensive. However, it concluded that a return to more prudent credit conditions was appropriate. It was more concerned with what it saw as restriction on competition, particularly exit fees on business loans and the high cost of moving accounts.

It recommended that banks abolish exit fees on variable rate mortgage loans. It also recommended that the Australian Bankers Association work with small businesses to develop a code of practice for lending to small businesses. It includes a proposal to extend to small business the protection currently available to consumers.

Such a change would mean small business would have ASIC acting as a watchdog over exit fees. It would also give small businesses better access to mechanisms for negotiating with mortgage lenders when they are in financial difficulty and it would impose responsible lending obligations on small business lenders.

Access to flexible finance critical for new financial year revival for SMEs

Access to credit, slow trade payments and business cash flow are still some of the chief concerns for SMEs. According to Dun & Bradstreet’s most recent Business Expectations survey (June 2010), 21% of Australian businesses reported they had less access to credit then compared to the previous quarter. Lending criteria from the traditional big banks remains tight, particularly for the small business sector, which many believe is yet to experience the recovery witnessed by their medium and large enterprise sector.

The most recent trade payments analysis from Dun & Bradstreet for March 2010 also noted that the average debt payments were increasing to 54.1 days, an increase on the previous quarter. Approximately 46% of businesses surveyed indicated they were being negatively impacted by lagging business to business payment terms, a 10% rise since April 2010.

Late payments can cause a range of issues for the business, including preventing the company from purchasing new stock, maintaining their tax position and threatening supplier relationships.

As we commence a new financial year, having access to a flexible source of funding will be critical to supporting a revival in the SME sector, helping SMEs manage cash flows, fluctuating demand and expenses and capitalize on growth opportunities as they arise.

Debtor finance is one of the most accesible forms of funding available to SMEs in the current climate. To discuss how debtor finance or inventory finance can benefit your business, contact one of the mortgage brokers at Intellichoice on 1300 55 10 45 or visit www.intellichoice.com.au for more details.

Invoice financing - relieving the cash flow pain

With a number of businesses struggling with cash flow at present, it may be a good idea to have the business cash flow expert in our office give this week’s report.

Joe Podobnik has thirty years experience in commercial lending – so he has seen it all before – the good times and the bad. With the pressure coming onto some sectors of the market, we can suffer a real pain in the cash flow if not prepared.

What can we do?
Well, if your current lender has not been your best friend of late, it may be time to consider other options to make the cash flow again. Alternative lenders who provide debtor finance, factoring, inventory financing and special leasing/renting options can be outside of what major lenders are happy to offer.

Why is this important?
Well, having the ability to free up – in some cases, up to 80% of invoices – meaning some of the pain of balancing cash flow has taken care of. How can this done? If an invoice can be raised, there are lenders who under certain conditions who will advance monies within 24-48 hours.

Similarly, short-term inventory finance can allow your business to take up opportunities when they arise by injecting much needed cash into the business. This can be the case where goods/materials are to be purchased and then on sold quickly in 1-3 months.

Equipment rental, instead of leasing can in some cases be a valid option if the equipment will eventually fund itself. This can be useful to buy equipment and machinery with a rental repayment held off balance sheet-useful when short-term contracts are on offer, and when lenders are not willing to advance leasing facilities on big-ticket items.

Can these be used for a growing a business
Obvious benefits exist for using the above types of lending facilities when business is growing. Many of these style of funders don’t have the rigorous criteria, like performance ratios as do the major banks. And although they are pricing for risk (more on this next month) it can in some cases be the only way to keep business moving.

If any of these are options that you may not have explored before, then the time may have come to look a little harder. Banks feel particularly nervous in times such as these and being prepared for the future is always a good idea.

Joe can be contacted on 1300 55 10 45 or email info@intellichoice.com.au. Visit www.intellichoice.com.au for more information about alternative business cash flow solutions.

Banks to hit up small businesses

Small and mid-sized businesses will continue to bear the brunt of higher funding costs.

According to a new survey by JP Morgan and Fujitsu Australia, as the cost of funding rises for banks, the pressure on businesses will increase. About 90% of lending to small and medium sized businesses comes from the major banks, with NAB controling the greatest share at 26%, followed by Westpac (25%), CBA (24%) and ANZ (15%).

Small businesses are paying higher interest rates than the residential home loan sector. Lending to businesses has tightened over the last two years and the risk of losses have climbed.

If you are having difficulty getting business finance from your bank because of their tightening lending criteria, speak to one of the mortgage brokers at Intellichoice about alternative business finance solutions. Intellichoice has access to over 20 lenders who specialise in alternative business cash flow, such as invoice finance, trade finance, inventory finance and equipment rental finance.

Call 1300 55 10 45 or email info@intellichoice.com.au for more details. Visit www.intellichoice.com.au.

Dispelling the myths of invoice financing

There are many myths and misconceptions about invoice finance, which this article has tried to address:


https://www.intellichoice.com.au/find-right-invoice-finance

Invoice finance is a legitimate means of managing business cash flow.

To find out more about invoice finance and how it can help you grow your business, speak to one of the mortgage brokers at Intellichoice on 1300 55 10 45.

A business cash flow finance solution that allows you to concentrate on running your business

Are you tired of paying high overdraft fees with the lenders on your inflexible business loan?
Do you want to know how you can accelerate business growth?
Unsure of options to grow or cash flow your business?

Invoice financing is ideally suited if you:

• Want to break free from the usual securities sought by financiers
• Want to leave the businesses' fixed assets unencumbered for sale or refinance without hindrance
• Want peace of mind that your funding line is secured by the business itself and not your personal assets
• Want to seek a working capital facility to assist with business growth or to take advantage of an opportunity

The mortgage brokers at Intellichoice can help.

How do you grow your business if your cash is tied up in unpaid invoices?
Have up to 90% of the value of your invoices available for use in the business within 24 hours

Not willing to mortgage your property for a line of credit?
Invoice financing does not require property security!

No time to chase your customers for outstanding moneys owned?
We can assist with efficiently managing the collection process, or you can choose to maintain complete control

With over 20 lenders on the market offering invoice financing, how do you know that you're getting the right product for your business? If you're not sure which lender to use, speak to Intellichoice first. We have access to all major lenders in Australia and will tailor a finance solution to suit your business needs.

Speak to Intellichoice today to find out how invoice financing can grow or cash flow your business. Call 1300 55 10 45 or email info@intellichoice.com.au. Visit www.intellichoice.com.au for more details.

Demand for invoice financing increasing

Recent comments from the Australian Banking Association indicate that after nearly 2 years of difficulty, there may be some circumstances where banks are no longer able to support struggling businesses. In addition, it has been suggested that the ATO may take a harder line with businesses that lodge late payments. These conditions have resulted in a rise in demand for invoice financing over the past 12 months, with demand precidcted to continue.

What is pushing the increased demand for invoice finance?
A combination of factors are pushing the increased demand for invoice finance, including tighter bank credit conditions - particularly for SMEs. This has made invoice finance or debtor finance one of the most accessible forms of business finance available, due to the fact that these types of facilities do not typically require real estate security.

This also means invoice finance is ideal for growing businesses in the current climate, as the funding limits grow in line with sales and are not capped to a percentage of the property value, as is the case with a typical business loan.

In addition, uncertain trading conditions and slow debtor payments are placing added pressure on business cash flow. On average, it takes about 54 days for invoices to be settled, almost double standard trading terms and many operations cannot absorb this temporary cash-gap, particularly those with COD terms from suppliers.

Looking at the bigger picture, certainly the GFC has highlighted the importance of strong cash flow for business owners. As a result, there is now a greater awareness of invoice finance products by business owners. Add to this the fact that invoice finance has all but lost its tag as 'emergency lending' and is now considered a viable mainstream funding option for SMEs in Australia.

How can Intellichoice help
With access to over 20 lenders, the business finance specialists at Intellichoice will find you a flexible product to meet your business needs.

• Improve on cash flow and help your business run smoothly
• Access funds quickly to capitalise on business opportunities as they arise
• Fund business growth with increased working capital
• Increase your purchasing power and improve supplier relationships
• No real estate security required
• Past credit issues are not a problem - we may still be able to find a solution for you
• No red tape application process - you can access funds within 24 hours
• Have up to 90% of the value of your invoices available for use in the business within 24 hours
• Flexible facilities that grow with your business 
• Tax deductible fees
• We can assist you with efficiently managing the collection process or you can choose to maintain complete control
• Rapid source of funds
• Simple setup process
• Funding available for almost every type of business

As a premier provider of debtor based finance solutions, we first understand your business and then tailor a finance solution to suit your business needs. Contact one of the business finance specialists at Intellichoice today on 1300 55 10 45 or email info@intellichoice.com.au to find out how we can help you grow your business. We have access to other business cash flow solution, including trade finance, inventory finance and equipment rental finance.

Improve business cash flow with invoice financing

Read this article on how invoice financing can help you grow and expand your business without having to wait 30, 60 or even 90 days for your invoices to be paid:

https://www.intellichoice.com.au/find-right-invoice-finance

To find out more about invoice financing and other business finance solutions avaible to help your business grow, speak to one of the qualified consultants at Intellichoice today on 1300 55 10 45 or visit www.intellichoice.com.au for more details.

Why your business should consider using invoice financing in this dire business climate

If your business is having problems getting funding from your bank due to the tightening in lending criteria, then you should consider invoice financing - an alternative business finance solution that provides your business with funds within 24 hours and helps you grow and expand your business without the need for real estate security.

With the current financial situation amid the pandemic, thousands of business across Australia have either paused operations or totally shutdown. With this, the government has provided information on how strugling businesses can cope with the impact of pandemic on their businesses. 

But closing down a business should be the last resort that businesses consider. If you haven't tried invoice finance as a solution to increase cash flow in your business, it sure is a worth the try. 

Read this article to find out more the benefits of invoice financing:

https://www.intellichoice.com.au/find-right-invoice-finance

To find out more about invoice financing and whether it is suitable for your business, speak to one of the business finance specialists at Intellichoice today on 1300 55 10 45 or email info@intellichoice.com.au.

Inventory finance used to grow your business

• Inventory finance is used to help small and medium sized companies to grow
• Inventory finance is ideal for businesses that have a clear credit history and good management
• Inventory finance is suitable for companies that require funds immediately in the first phase of the selling process
• There is no real estate security required - it is based on your business. It is based on your figures and the state of your business
• Inventory finance lets you expand your customer base and take on bigger orders
• As you are able to increase your purchasing power, your relationship with your supplier strengthens and they may be able to give you a better price as you are paying for the stock upfront and you save on shipping/freight costs

To find out more about inventory finance and other business cash flow finance solutions available at Intellichoice, speak to one of the business finance specialists today on 1300 55 10 45.

Intellichoice provides equipment rental finance solution to give businesses an edge

An excavation client saw an opportunity to grow his business, but to capitalise on this great prospect, he needed a loader. But without a guarantee from this job, the client would be putting himself and his business under enormous strain if he purchased the equipment outright.

An equipment rental solution was quickly put in place for him, which helped reduce his risks and allowed him to save his hard-earned capital.

This unique business finance solution let him rent equipment at an affordable weekly rate, but still gave him the option to purchase with a generous rebate.  Furthermore, the equipment rental solution is fully tax deductible and if after 12 months the equipment didn’t suit him, he could return it with no penalties.

Some of the key benefits of this unique equipment rental hire finance solution include:

• Low weekly rental repayments
• Lets you free up your valuable working capital instead of spending it on depreciating assets
• Peace of mind knowing you’re not stuck with equipment that isn’t right for your needs – you can return the equipment at the end of the 12 month agreement if it is no longer required
• Rental payments are 100% tax deductible
• Renting is off ‘balance sheet’, meaning it doesn’t affect your capacity to borrow for future expansion
• You’re not locked into a long term lease
• If you purchase the equipment at any time during the first 12 months, you receive 75% off the net rent as a rebate
• If you continue to rent, we’ll just continue to reduce your purchase price

To find out more about this unique equipment rental solution and how it can work for your business, speak to one of the business finance advisors at Intellichoice today on 1300 55 10 45. We also have access to alternative business finance solutions to help your business achieve your full potential. This includes invoice finance, debtor finance, trade finance, import and export finance and inventory finance.

Tightening lending conditions slowing business growth

According to a new report, Australian businesses are expecting slower growth in inventories and capital investment for the September 2010 quarter.

According to Dun & Bradstreet’s Business Expectation Survey, access to business finance remains a critical issue for many companies. Approximately 20% of these businesses stated they had less access to credit in the last quarter. These results confirm figures from the RBA, which also revealed a decline in business activity by 7% over the year to April 2010 and a decline in business borrowing by 0.4%.

According to Dun & Bradstreet, an aversion to debt among some businesses and difficulties securing business finance from the banks may inhibit future growth.

The survey also showed that employment, profit, sales and selling price expectations has fallen since the June quarter, but still remain positive and well above GFC levels.

Australian businesses in need of business finance to grow their operations, or to pay salaries or inventory should consider alternative business cashflow solutions. If you are having difficulty securing funding from your bank due to the tightening lending criteria, speak to the commercial finance team at Intellichoice today on 1300 55 10 45. Intellichoice has access to other business cash flow solutions to suit your needs, including invoice finance, trade finance, inventory finance and equipment rental.

Average time to sell a business stretches out as buyers find it hard to get finance

A survey of LINK business brokers has shown the average time to sell a business has stretched out from 15 to 21 weeks as buyers struggle to get the finance needed to seal the deal. The survey also found the delays in obtaining business finance were pushing down sale prices, with the average price dropping from $400,000 to $225,000.

LINK managing director David Fitzgerald says this significantly makes it hard for business owners. Furthermore, the average buyer is “taking almost nine months to find a business that is suitable or that they can afford.”

The survey showed a 39% increase in the number of interested business buyers. However, about 38% of buyers surveyed have had to re-evaluate the types of businesses they can afford due to tightening lending policies, while 44% of buyers said the biggest problem is getting finance from the banks.

Overall, approximately 81% of business owners and buyers have had trouble obtaining finance from the banks.

If you require finance to start up a new business, buy a business or need business cash flow to expand your operations, but you are having problems with your bank because of the stricter lending criteria, speak to one of the business finance advisers at Intellichoice today on 1300 55 10 45. We have helped numerous clients to achieve their dreams and goals through alternative business finance solutions, including invoice finance, business loans, trade or import finance, inventory finance and equipment rental hire.

Equipment rental solution for Australian businesses

Keep your options open and preserve as much cash as possible to grow and expand. The commercial finance team at Intellichoice have a smart and flexible finance solution tailored specifically for businesses in need of funding for commercial equipment.

Our unique equipment rental solution gives your business the flexibility to:

• Purchase equipment at any time during the first 12 months and receive 75% of the net rent as a rebate
• Return equipment at the end of the 12 month agreement if it is no longer required
• Continue to rent - and we'll simply continue to reduce your purchase price

 Some of the great benefits of the equipment rental finance solution include the following:

• Low weekly rental repayments
• The chance to free up your valuable working capital
• Equipment rental gives your business the ability to try before you buy
• You get peace of mind knowing you're not stuck with equipment that isn't perfect for your business needs
• No long term lease agreements
• Rental payments are 100% tax deductible
• Renting is off 'balance sheet' meaning it doesn't affect your capacity to borrow for future expansion

To find out more about our equipment rental solution or for more information about our other business cash flow solutions to help your business grow and expand, speak to one of the business finance consultants at Intellichoice today on 1300 55 10 45 or visit www.intellichoice.com.au to view our range of financial services.

Australian businesses face financial distress

According to research from Dun & Bradstreet, climbing interest rates, the dwindling government stimulus action and tight credit conditions will continue to make recovery difficult for about 80,000 Australian businesses.

The latest risk research from Dun & Bradstreet reveals the number of firms downgraded has risen by close to 15,000 compared to the same time last year - a period when the local and global economy was continuing to face significant pressures from the global credit crisis.

The research also reveals that downgrades have resulted in more than 36,000 Australian firms being classified as a high risk of experiencing financial distress in the coming 12 months.

Dun & Bradstreet's director of Corporate Affairs, Damian Karmelich says: "It's an important sign that risk remains prevalent and firms must be constantly vigilant".

If your bank is tightening their lending criteria and you are looking for alternative business finance solutions, speak to the mortgage brokers at Intellichoice. We have access to business cash flow solutions, including invoice financing, trade finance, inventory finance and equipment rental to assist you with your business. Call 1300 55 10 45 today for more information.

Why your business should consider using invoice financing

Are you concerned about your current credit facilities with your lender? Is your bank tightening their lending criteria and making it difficult for you to grow and expand your business? Are you unsure of what other options are available to help you grow or cash flow your business? Then you should consider using invoice financing.

Read the article below on some of the reasons why you should consider invoice finance:

https://www.intellichoice.com.au/find-right-invoice-finance

Speak to the mortgage brokers at Intellichoice on 1300 55 10 45 if you would like more information about invoice financing.

Business cash flow solutions for SME's

According to the Sensis Business Index Report (March 2010), SME's have 'mixed feelings about their business prospects over the coming 12 months. They cite business cash flow problems as their number one concern.

If you are looking at growing your business to take advantage of the opportunities in the marketplace, but your bank is restricting your plans, you should consider invoice financing.

As well as boosting cash flow quickly, an invoice financing facility can provide greater certainty and clarity  for the future of your business.

Invoice finance, also called debtor finance can:

• Improve on cash flow and help your business run more smoothly
• Access funds within 24 hours
• Get up to 90% of the value of your invoices available for use in the business
• Improve your buying power
• Reduce personal exposure to the business and the risk of losing the family home
• Fund business growth with increased working capital

If you are concerned about your current credit facilities with your lender or if you would like to find out what options are available to grow or cash flow your business, speak to one of the experienced invoice financing consultants at Intellichoice today on 1300 55 10 45.

What is inventory finance

Inventory finance is suitable for businesses that need funds immediately for the first phase of the selling process. Whereas other business financing facilities, such as invoice financing or debtor finance cater for the last phase of cash flow, inventory finance lets the business finance the inventory (or stock) right away.

Inventory finance provides cash upfront for a wide range of businesses, including for raw materials, boats, stationery, fresh fruit, clothes/fashion and electrical products.

Inventory finance is a means for a business to grow and expand operations. Additionally, businesses who use inventory finance are also able to expand their customer base and take on bigger orders with less concern.

Some of the benefits of inventory finance include the following:

• Inventory finance is designed to help your business grow
• Mortgage lenders advance money for stock that has yet to go out the company door
• Inventory finance is suitable for businesses that need the money immediately in the first phase of the selling process
• You can increase your purchasing power with inventory finance. It gives you the opportunity to purchase additional stock, without any requirements to have it pre-sold, invoiced or delivered
• No real estate security required
• Secure supplier discounts, enjoy bulk savings and reduced freight costs through earlier supplier payments and larger orders
• Increase your purchasing power
• Inventory finance still lets you retain title and control of your stock
• Expand your customer base

For more information about inventory finance and whether it is suitable for your business, speak to one of the experienced mortgage brokers at Intellichoice on 1300 55 10 45. Our dedicated business finance team also have access to other business cash flow solutions, including invoice finance, trade finance and equipment rental.

Invoice finance solutions for businesses

Are you waiting 30 and sometimes even up to 90 days for your customers to pay you? Is your bank tightening their lending criteria and making it hard for you to grow your business? If this is the case, then your business should consider invoice finance, also called debtor finance or invoice discounting. 

Invoice financing can:

• Improve on cash flow and help your business run more smoothly
• Invoice finance lets you access funds quickly 
• Invoice finance lets you capitalise on business opportunities as they arise
• Reduce personal exposure to the business and the risk of losing the family home - no real estate security is required
• Increase your purchasing power
• Invoice finance can help improve on supplier relationships

Some of the features of invoice finance or debtor finance include:

• No real estate required
• Flexible invoice finance facilities to suit your business needs
• You still maintain control 
• Rapid source of funds
• Short term funding 
• Funding available for almost every business
• No red tape application process

If you are concerned about your current credit facilities with your current bank or if you would like more information about invoice financing and how it can help you grow your business operations, speak to one of the mortgage brokers at Intellichoice on 07 3624 1900 today. Intellichoice also has access to other business cash flow solutions including trade finance, stock finance and equipment rental.

A quick guide to invoice finance and debtor finance

What is debtor finance?

Debtor finance, also called invoice finance or invoice discounting releases the cash from your debtors, allowing you to raise working capital for expenses, improve business cash flow, paying salary or expand business operations.

What  businesses suit debtor finance/invoice financing?

• Manufacturing businesses
• Businesses in wholesale trade
• Labour hire or recruitment
• Mining
• Argiculture
• Transport and storage
• Property and business services

 What are the benefits or features of invoice finance?

• Funds are readily available - credit sales are converted into cash usually within 48 hours
• Invoice finance can fund up to 90% of your debtor invoice value
• You know for you sure that you will receive the cash as funds are based on your business sales and not your assets
• Your business can negotiate better trading terms with suppliers or early settlement discounts for early payment
• Invoice discounting fees are usually cheaper than settlement discounts
• Conveniently access the cash when required
• Business cash management flexibility for seasonal and daily requirements

What are the costs of using invoice finance for my business?

Costs will vary depending on the lender, setup structure, size and risk

For more information about invoice finance and how it can be used to grow your business, speak to one of the mortgage brokers at Intellichoice on +61 7 3624 1900. Our experienced mortgage brokers have access to other business cash flow solutions that may be also be suitable for your business, including trade finance, inventory finance, import finance and equipment rental hire.

Myths of invoice financing

There are many myths and misconceptions about invoice financing, which the article below tries to address:

https://www.intellichoice.com.au/find-right-invoice-finance

Trade finance solutions for your business

Is your company is having difficulty getting a business loan from a traditional bank or mortgage lender? Do you need help expanding and growing operations overseas but your bank is restricting your growth? Then your business needs to speak to one of our Australian mortgage brokers about import finance or trade finance. This business cash flow solution can be tailored to suit your funding needs.

Import finance or trade finance gives you the confidence to trade and take advantage of any market opportunities that arise.

Some of the benefits of import or trade finance include the following:

• Import finance provides for all aspects of manufacture, import, commissioning, payment and long term asset finance
• Pay overseas and local suppliers for goods with trade finance
• Trade finance gives your business greater flexibility and liquidity
• You don't miss out on business opportunities due to inadequate cash flow
• Trade finance can help you to improve your negotiating position with suppliers as you are now able to accept quick payment terms and import greater quantities and obtain bulk discounts
• Allows for timely payments to your suppliers
• Import finance does not require property security
• No deposits required
• Get up to 100% finance of purchase cost with import finance

Case Study Example
Our Brisbane mortgage broker recently helped a client who had new business opportunities for growth. His turnover would increase from $1 million to $4 million a month.

The bank had taken 2.5 months to get approval. It was costing our client's company a lot of money in lost business opportunities, but also to get the facility set up.

Our mortgage brokers in Australia introduced him to a new funder and he got approval within 1 day and the business finance facility was set up within 2 weeks at the same rate that the bank was going to charge him.

Our dedicated trade finance team will help you through the whole process and provide you with more information on how import finance can help grow your business. Contact one of our mortgage brokers today on +61 7 3624 1900 to find out more about import finance and whether this is suitable for your business.

Commercial property finance

The market and economists are expecting that the Reserve Bank of Australia (RBA) will slowly continue to raise the cash rate. The average view is for another 100 points (1%) of rises over the remainder of the calendar year.

The RBA will have an interesting balancing act this year as it continues its vigilant watch on inflation whilst allowing the economy to grow from a weak 2009. Many areas of the economy such as proerty and construction are still adjusting to the new financial landscape featuring scarcer, more expensive funding are especially susceptible to increased rates.

With the cash rate likely to be close to 5.00% pa by the end of 2010, commercial borrowers should consider what impact these likely changes will have on their financing and ability to service interest. The RBA's decision to drop rates from 7.25% in October 2008 to 3% in April 2009 provided strong relief to those with high levels of debt or assets with falling income levels. However, the combination of expected RBA increases and the rises in margins charged by lenders will see interest costs continue to increase for those on variable facilities or having to rollover/refinance existing funding.

The positive news for commercial property is that rising interest rates will generally reflect an improving economic outlook this year and a better operating environment.

If you require commerical loans or development finance, speak to the commercial finance team at Intellichoice today on +61 7 3624 1900 or visit the website on www.intellichoice.com.au.

Business confidence in Australia soars

The outlook for businesses in Australia is at its highest level in 5 years with business owners and senior executives confident of a strong June 2010 quarter.

Australian businesses have been buoyed by a sustained economic recovery and the fact that Australia avoided a technical recession. Any fears that the Australian economy might suffer a second shock have all but disappeared. However, inflation pressures are building, which could negatively impact any hopes for growth.

In light of the positive outlook, if you need business finance to expand and grow your business, speak to the mortgage brokers at Intellichoice. We have access to a range of business loan products, including commercial finance, invoice finance, trade finance and inventory finance. Call +61 7 3624 1900 for more information about our business cash flow solutions.

Get more information about invoice finance

If you want to expand or grow your business, the mortgage brokers at Intellichoice have a huge range of business finance solutions to meet your business needs, including:

• Commercial loans
• Business Loans
• Invoice Finance
• Trade Finance
• Inventory Finance or Stock Finance
• Equipment Rental Hire
• Development Finance

Speak to a mortgage broker on +61 7 362 41900 today for more information about invoice finance and whether this is suitable for you. Intellichoice have access to a wide range of business cash flow solutions to meet your business needs.