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  • Working Capital
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    Scale Your Business


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Expertise

We understand the importance of working capital in fueling the day-to-day operations and growth of businesses. Whether you're a small startup or a large corporation, having access to adequate working capital is essential for managing cash flow, purchasing inventory, covering operational expenses, and seizing growth opportunities. That's where we come in.

Drive Growth

Working capital finance provides businesses with the financial flexibility and resources needed to fuel growth, expand operations, and achieve their strategic objectives. By optimizing their working capital management and leveraging the right financing solutions, businesses can unlock their full potential and thrive in dynamic and competitive markets.

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Ready to optimize your working capital and drive your business forward? Contact us today to speak with one of our experienced working capital finance specialists. Let us help you find the right financing solution to meet your working capital needs and achieve your business goals.

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With our working capital solutions, businesses can:

Smooth Cash Flow

Working capital finance ensures that businesses have adequate cash flow to cover their operating expenses, such as payroll, rent, utilities, and inventory purchases. By smoothing out cash flow fluctuations, businesses can maintain stability and focus on growth initiatives without worrying about short-term financial constraints.

Fund Expansion Initiatives

 Whether it's opening new locations, launching new products or services, or entering new markets, growth often requires upfront investment. Working capital finance provides businesses with the necessary funds to finance expansion initiatives, such as marketing campaigns, hiring additional staff, or investing in infrastructure.

Manage Inventory

Effective inventory management is essential for growth, but it requires capital to purchase and maintain sufficient inventory levels. Working capital finance, such as inventory financing or purchase order financing, provides businesses with the liquidity needed to procure inventory, manage seasonality, and meet customer demand without tying up cash flow.

Manage Accounts Receivable

Businesses often extend credit to customers to stimulate sales, but this can lead to delays in receiving payments and strain on cash flow. Invoice financing, a form of working capital finance, allows businesses to access funds quickly by leveraging their accounts receivable. This enables businesses to reinvest in growth initiatives without waiting for customer payments.

Seize growth opportunities

Growth opportunities can arise unexpectedly, such as acquiring a competitor, securing a large contract, or investing in new technology. Having access to working capital finance enables businesses to act swiftly and capitalize on these opportunities, positioning them for long-term success and competitive advantage.

Be flexible and agile

Unlike traditional term loans, working capital finance offers greater flexibility and agility, allowing businesses to borrow funds as needed and repay them quickly. This flexibility ensures that businesses can adapt to changing market conditions, exploit emerging trends, and respond to opportunities for growth without being constrained by rigid repayment schedules.

Trade Finance

Trade finance facilities to assist with the overseas and domestic purchase of goods, including short term trade loans, letters of credit and documentary collections, and supply chain early payment (dynamic discounting) facilities.

Supplier Finance

Specialised supply finance solution to help your businesses optimize cash flow and margins by providing early payment to suppliers with the assistance of an intemediary financier and typically at a discounted rate.   Your business can benefit from extended payment terms and dynamic discounting whilst yoru supplier can benefit from early payment and improved liquidity.

Invoice and Debtor Finance

Flexible finance to assist with extending credit terms to customers to stimulate sales, and unlock liquidity in accounts receivable, enabling reinvestment to grow the business.

Revolving Lines of Credit 

Flexible finance to acccess funds for day-to-day operational expenses such as inventory purchases, payroll, rent, utilities and marketing.  Finance to assist you manage cash flow fluctuations and ensure smooth operations.

Inventory Financing

Facilities to assist with the purchasing, transport and holding of raw materials, goods, inventory  and floor plan items.   Finance which is particularly useful to assist in smoothing out cashflow during seasonal operations with fluctuating inventory demands.

Borrowing Base

Flexible asset-based financing secured by your revolving business assets, typically accounts receivable and inventory to assist with working capital funding or other purposes, providing  a scalable funding solution to support business growth.

Fuel Card and Purchasing Facilities

Revolving Payment facilities designed to assist with efficiently managing your fuel expense operations, including discounted fuel pricing, bulk fuel purchasing, centralised billing and payment, reporting and analytics, card programs for multiple and authorised employees and in build compliance and controls.

Insurance Premium Funding

Finance to assist with the annual payment of insurance premiums to maintain comprehensive coverage and smooth cash flow.
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Level 1, 44 Martin Place, Sydney NSW 2000

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Enquiries@FinNow.com.au

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(02) 8319 3227


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RefiNow Pty Ltd (ABN 18 667 908 518, Credit Representative Number 554493) is a credit representative of

Purple Circle Financial Services Pty Ltd (ABN 21 611 305 170, Australian Credit License 486112).