An overdraft that never clears. Equipment paid for from cash reserves. Loan repayments that fall due before your customers pay.
These can be signs that your funding no longer suits the way your business operates.
The right funding structure starts with understanding what you’re financing—and how it will generate cash.
▪ Equipment and vehicles — would repayments over an appropriate term preserve working capital while reflecting the asset’s useful life?
▪ Customer invoices — could a facility linked to eligible receivables help bridge the gap between completing work and receiving payment?
▪ Seasonal trading — does your funding accommodate the months when stock and wages need to be paid before sales receipts arrive?
▪ Commercial property — do the loan term, repayments and review conditions support your plans for the premises?
▪ Business expansion — have you allowed for the additional working capital needed after the initial investment?
A competitive interest rate matters. So do repayment timing, security requirements, flexibility and the conditions attached to the facility.
At Advanced Finance Group, I combine Chartered Accountant expertise with finance broking to assess your financial position, model funding needs and explore suitable lending options.
The aim is to give your business the financial capacity to operate confidently and pursue opportunities.
Has your business outgrown its existing finance arrangements?
Message me to arrange a Funding Capacity Review.
🌐 advancedfinancegroup.com
André Barkhuizen CA | Advanced Finance Group
Corporate Advisory | Finance Broking
#BusinessFinance #WorkingCapital #CommercialLending #AssetFinance #CorporateAdvisory #AdvancedFinanceGroup
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