Accelerate growth while maintaining cash flow

Solutions tailored to you

Finance is designed to match your organisation's size, seasonality, and trading cycles, so you always have access to funds when you need it.

Liquidity that grows 

As your business grows and evolves, your available funding adjusts too - helping you stay agile without the constraints of traditional loans.

Strategic support

Our team regularly reviews your asset position to ensure your finance remains aligned to your objectives. This helps identify opportunities and risks early.

Types of working capital solutions

Finance working capital so you can:

  • Support acquisition and growth initiatives without straining internal resources
  • Enable secure domestic and international trade mitigating risks and maintaining supplier relationships
  • Balance debt and equity to strengthen your financial position
  • Maintain predictable cash flow and manage seasonal liquidity constraints.

Traditional trade

Finance working capital for purchases, imports, exports, sales or inventory with funding aligned to your trade flows and business cycle.

  • Export & Import Documentary Letters of Credit
  • Trade Advances
  • Bank Guarantees
  • Collections
  • Standby Letters of Credit.

Structured trade

Accelerate growth and liquidity, reduce risk and increase control of your working capital.

  • Unlock the value of current assets with financing which breathes with the natural cash flow cycle of your business, secured against receivables and inventory with a Working Capital Facility
  • Borrowing Base Lending.

Supply chain finance

Access capital held in your payables or receivables, improving liquidity and working capital.

  • Payables finance: extend payment terms while ensuring suppliers are paid promptly
  • Receivables finance: convert invoices into immediate cash.

Digitally enabled receivables finance

Unlock cash tied up in unpaid invoices with a digitally enabled cash flow solution connected to your business accounting software.

Stream Working Capital

Combining working capital & asset finance solutions

 

Keep your business agile in the short-term while you support strategic investments for growth.




Speak with our team


Our team can help you structure the right combination of working capital and asset finance to achieve your strategic goals.

Dedicated support

Work with Corporate Banking Specialists who understand your industry and can design working capital finance solutions for your unique circumstances.

Here’s what you can expect:

  • A tailored approach that fits your specific goals and challenges
  • Proactive advice to help you make the best financial decisions as your needs evolve
  • Smooth, efficient service with streamlined processes that save you time and reduce hassle.

Hear from our customers 

Remedy Drinks is rapidly expanding. Here’s how it unlocks the cash it needs to grow

Remedy Drinks might have started in the founders’ kitchen, but has since expanded rapidly to become the global producer of ‘better for you’ drinks.

Navigating cash flow uncertainty with a market-leading working capital solution

Leon Cox, Managing Director of National Resources talks about how access to working capital helped bridge delays in cash conversion.

Frequently asked questions

Our solutions are designed to fit your business needs so repayments can be structured around your cash flow, sales cycles, or invoice due dates. This provides flexibility when managing liquidity.

We also offer flexible terms that can adjust to seasonal trends, industry conditions, or project timelines.

Your Corporate Banking Specialist will work with you to design a repayment structure that supports your financial objectives and keeps your operations running smoothly.

Pricing is tailored to your business and depends on factors such as facility size, transaction volume, risk profile and funding structure.

Typical costs may include issuance or facility fees, discount rates, transaction charges, and integration fees for digital platforms.

We will work with you to ensure pricing is transparent, competitive and aligned with the value our solutions deliver.

Supply Chain Finance can unlock capital tied up in payables or receivables, improving liquidity and working capital. By optimising payment terms and strengthening supplier relationships, businesses may see: 

  • Reduced costs of funds
  • Improved cash flow visibility
  • Greater supply chain resilience
  • Enhanced return on invested capital.

Your Corporate Banking Specialist can help you model the potential ROI based on your current working capital position and growth objectives. 

As with any financing facility, there are some considerations to keep in mind:

  • Credit and utilisation reviews:  borrowing limits are reviewed regularly so changes in usage or eligibility may affect access to funds 
  • Variable costs: fees, interest rates, and terms may vary depending on your business profile, industry, and risk assessment
  • Customer payments: all payments must be directed to the nominated account to ensure the facility can reconcile correctly 
  • Customer delays: Late or missed customer payments can reduce your available balance and create short-term liquidity pressure
  • Invoice eligibility: Not all invoices qualify - for instance, those in foreign currencies or with extended payment terms may be excluded

Your Corporate Banking Specialist can help you assess these factors and structure a loan that supports your business strategy.

Speak with our team

Things you should know

  • The target market for products will be found within the product’s Target Market Determination, available here.

    This information has been prepared without considering your objectives, financial situation or needs. Before acting on this information, please consider its appropriateness to your circumstances. View our Financial Services Guide (PDF).