Working Capital Finance Structured Around Your Cash Cycle
Cash tied up in invoices, stock or supplier terms? We structure working capital and cash flow lending for established Australian businesses, matched to how long it takes your sales to become cash. Full banking tender. No property required.
Book a Free 15-Minute Finance AssessmentWorking Capital Finance at a Glance
Who it's for
- Trading businesses waiting 30 to 90 days to be paid
- Importers and wholesalers paying suppliers before stock sells
- Growing businesses whose overdraft hasn't kept pace with turnover
- Seasonal businesses that need a limit that flexes through the year
What we structure
- Overdrafts and revolving lines for day-to-day swings
- Invoice and debtor finance that grows with sales
- Trade finance to pay overseas and local suppliers
- Term loans for permanent working capital, not short-term gaps
What lenders need
- Two years of financials and year-to-date management accounts
- Aged debtors and creditors, and your top customer concentrations
- BAS lodgements and a 12-month cash-flow forecast
- Existing facility letters and any security already given
Which Working Capital Facility Fits?
- Overdraft. Best for short, unpredictable swings in the account. Cheap when lightly used, but banks usually want property security and review it annually. See business overdrafts.
- Revolving line. A set limit you draw and repay as needed, often with lighter security than an overdraft and a longer review cycle.
- Invoice finance. Advances against unpaid invoices, so the limit grows with sales. Suits B2B businesses on 30 to 90 day terms. See invoice finance.
- Trade finance. Pays suppliers up front and gives you time to sell the stock before repaying. See trade finance.
- Term loan. Right when the working capital need is permanent, such as a larger stock base after growth. Wrong for gaps that clear within the year.
The Questions Growing Businesses Are Asking
- How do I free up the cash sitting in unpaid invoices, stock on shelves, or equipment I already own?
- Why does it take so long to turn sales into actual cash in the bank?
- Can I access more funding without real property security?
- How do I cover suppliers, staff, and bills while I wait 30–90 days to get paid?
- Is there a smarter option than an expensive overdraft or short-term loan?
These are exactly the right questions. At Glenclair Financial, we answer them clearly and quickly — so your business can breathe easier and grow with confidence.
Who We Work With
Glenclair Financial works with three types of clients in the working capital space:
Established businesses with cash locked up in debtors, stock, or owned assets.
Growing businesses that need to shorten their cash conversion cycle to fund the next stage.
Businesses ready to replace expensive or restrictive facilities with something that actually fits.
What they share is a simple need: turn the cash sitting on the balance sheet into working capital — without unnecessary cost, stress, or strings attached.
The Cash Conversion Cycle
Buy Stock
Sell
Invoice
Get Paid
Trade Finance Solutions
Trade Advance · Standby Letters of Credit · Floorplan Finance · Livestock and Commodity Finance
Invoice Finance Solutions
Cash moves through your business in a cycle: you pay suppliers, hold stock, sell to customers, then wait to get paid. Every day in that cycle is cash you can't use. Shorten the cycle — or fund the gap — and you free up capital to grow.
Why Growing Businesses Choose Glenclair Financial
Working capital is about real cash flow. We treat it that way.
Most businesses have money sitting "on paper" — in unpaid invoices, stock on shelves, and equipment they own outright. We specialise in converting that paper into usable cash, so it works as hard as you do.
Direct access to the specialist. No hand-offs.
You work one-to-one with an experienced working capital specialist from the first conversation through to drawdown. No account managers, no junior staff, no runaround. Your facility stays with the expert who knows it best.
Facilities built around how your business actually runs.
Seasonal stock cycles, long debtor terms, big supplier orders — we structure facilities around your real trading rhythm, with limits, terms, and security that fit your business instead of forcing your business to fit the bank.
The full banking tender.
We don't go to one lender and hope for the best. We run a comprehensive tender — Big Four, second-tier, and specialist funders — so you're always seeing the best rates, terms, and flexibility available in the market right now.
How the Process Works
We keep it straightforward and transparent:
Tell us about your business
Share your cash flow challenges, current facilities, and goals.
We assess your cash position
We show you exactly where cash is tied up and what realistic improvement looks like.
We prepare your funding plan
Professional financial analysis and facility options matched to your cash cycle.
We run the tender
We approach the right mix of lenders to secure competing offers.
You choose the best offer
Review the options and pick the facility that gives you the cash you need.
We manage to settlement
We handle negotiations and everything through to drawdown.
The sooner you start, the faster you free up cash. Don't wait for a crunch — reach out early so we can position you strongly.
Our Service Costs You Nothing
Glenclair Financial is paid directly by the lender as part of their standard costs.
There is zero fee to you — regardless of facility size or complexity.
If we don't deliver clear value, you pay nothing. Simple.
Debt advisory services are the exception, provided under a retainer and success-fee structure.
Working Capital Solutions We Deliver
Invoice Finance
Turn unpaid customer invoices into immediate cash instead of waiting 30–90 days. Ideal for businesses with good customers who are slow payers. We help you choose between factoring (the funder manages collections) and invoice discounting (you stay in control — and your customers never know).
Trade Finance — Letters of Credit & Trade Advances
Pay suppliers upfront or on better terms without draining your reserves. Letters of credit give overseas and domestic suppliers payment certainty while protecting your cash; trade advances fund confirmed orders before you get paid. Built for importers, exporters, and businesses with large orders that tie up capital.
Plant & Equipment Refinance
Release the equity locked in machinery, vehicles, and equipment you already own. We arrange refinance and sale-and-leaseback structures that put a lump sum or ongoing facility in your hands — while you keep using the assets every day.
Plus:
- Revolving credit facilities and overdrafts
- Inventory and stock finance
- Debtor and receivables funding
- Facility refinancing and consolidation
Ready to Unlock Cash and Strengthen Your Cash Flow?
Whether cash is stuck in invoices, stock, trade deals, or equipment — or your cash conversion cycle simply feels too slow — the right facility can transform how your business runs. Let's find the simplest, most effective way forward.
Book a free, no-obligation consultation with us today
Book a Free 15-Minute Finance Assessment