Here's what we offer

With extensive market experience and a deep knowledge of the Australian financial environment, we're a leading provider of tailored working capital solutions for a broad range of clients across many industries.

Unique product offering

Unlock the hidden value of your balance sheet in a flexible way. 

Fast funding

Quick set up and scalable funding solutions with ongoing personal support.

Industry insights

Whether you're looking at expanding or need a better understanding of your customers, we can provide detailed analytics and consulting services.

Specialised support

Get dedicated support and expert guidance to deliver the right finance solution to fit your business needs. 

Our working capital solutions

Our working capital solutions are designed to enhance the efficiency of your day-to-day business operations, improve your overall cash flow and optimise working capital.

We have a range of solutions available to finance growth, mitigate risk and pay for goods and services.  

  • Traditional trade

    Finance your imports, exports or inventory, with funding that's structured around your trade flows and matches your business cycle.

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

    Carbon, Trade & Commodities

  • Supply chain finance

    Reduce your working capital and increase free cash flow.

    • Payables finance
    • Receivables finance
  • Structured trade

    Accelerate growth and liquidity, reduce risk and control working capital.

    • Unlock the value of current assets with financing secured against receivables and inventory with a Working Capital Facility
    • Borrowing Base Lending
  • Stream Working Capital

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

    Stream Working Capital

Hear from one of 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 in 2012 with its first Kombucha blend, 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.

Creating value through working capital

Working capital finance allows your business to unlock the value of inventory and/or receivables in a secure way:

  • Liquidity - Effectively smooth the cash cycle for businesses exposed to seasonal sales
  • Utilisation - Obtain access to working capital as a result of linking drawings to asset availability
  • Flexibility of repayments - Cash generated from your receivables is a primary source of repayments

Get in touch

For more information about our working capital solutions, contact your Relationship Manager or call 1300 654 112 Mon–Fri, 8:30am–5:00pm (Syd/Melb time).

Call 1300 654 112


Working capital is the amount of cash and liquid assets a business has on hand to meet its current and short-term expenses. Learn more about why working capital is important

We’ll work with you to find a complete banking solution that suits your business needs. Call us on 1300 654 112 to speak with a specialist who will help analyse your supply chain and come up with the best working capital products for your business.

Our working capital solutions are ideal for businesses with a minimum 12 months trading history who are buying and selling goods or services domestically and overseas to multi-national corporations or manufacturing large amounts of inventory globally.

This is based on assessment of your business, financial records, loan amount and type of facility. Our prices are competitive and some of our trade products can be funded in the currency of your invoices, providing a natural hedge against exchange risk.

A wide range of businesses can benefit, especially manufacturing, wholesale distribution and transport and logistics. These industries often experience cash flow challenges due to timing mismatch between expenses and revenue generation to finance their day to day operations. 

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).