Your Cash Is Tied Up in Invoices, Stock and Supplier Terms. That Doesn't Have to Be How You Grow.
Specialist working capital brokerage for established Australian businesses.
Faster liquidity. Cleaner structure. Zero cost to you.
Sound Familiar?
- Customers pay in 45–90 days and your suppliers want 7–30.
- Growth is consuming cash before it produces it.
- Your overdraft is maxed, expensive, or reviewed every year like a term loan.
- You are funding inventory or imports from operating cash instead of a facility built for the cycle.
- A large contract or seasonal spike is coming and the bank's first answer is "wait and see."
- You have been offered invoice finance at a headline rate that looks cheap until you add fees, reserves and lock-in.
These are working-capital problems, not "you need more debt" problems. The structure has to match the cash conversion cycle — receivables, inventory, payables — or you pay for growth twice.
Book a Free 15-Minute Finance AssessmentWho We Work With
Glenclair Financial works with established businesses across Australia that need working capital that scales with trading, not with last year's bank review.
Typical clients are owners, CEOs and CFOs running companies with turnover of $5 million–$1 billion in wholesale, manufacturing, import, medical devices, agribusiness, professional services, construction supply and e-commerce.
If receivables, stock or supplier terms are dictating your pace of growth, a properly tendered facility almost always beats another conversation with the incumbent relationship manager.
What Working Capital Finance Actually Covers
We tender the full suite — banks, second-tier and specialist non-banks — so you see competing structures, not a single product pitch.
Invoice / debtor finance
Advance against approved receivables. Useful when sales are growing faster than collections. We compare recourse vs non-recourse, concentration limits, reserve mechanics and true all-in cost — not just the advertised discount rate.
Trade finance
Letters of credit, trade advances and import facilities so you can pay suppliers and land stock without draining the operating account. Structured around shipment, title and sale — not a generic overdraft.
Overdrafts and revolving facilities
Working capital priced and covenanted as working capital. Tenor, security and review rights that match trading, not a five-year term loan wearing a working-capital label.
Inventory and stock facilities
Finance against eligible stock where the lender understands turn, obsolescence and seasonality — including backgrounding/finishing-style facilities where relevant.
Asset-backed working capital
Where plant, equipment or property can support a cheaper revolver than unsecured cash-flow lending.
We do not push one product. We map the cash conversion cycle and run the market against that map.
Why Businesses Choose Glenclair for Working Capital
We price the whole facility, not the headline rate
Invoice and trade products hide cost in fees, holdbacks, minimums and early-exit clauses. Former pricing-team experience means we compare all-in cost and covenants the way a credit committee does.
Full tender across 60+ lenders
Big Four, second tier, third tier and specialist receivables / trade houses. You see competing offers. You choose.
Structure first, then rate
Covenants that are tighter than the risk, security that is broader than the asset, and tenor that does not match the use of funds are how working capital quietly becomes expensive. We fix the structure, then negotiate price.
Direct specialist. No hand-offs
You deal with the same person from first conversation through settlement. No call centre, no junior file-handler.
No cost to you
Glenclair is paid by the lender as part of their standard costs. If we cannot add meaningful value, we will not take the mandate. Debt advisory work is the exception (retainer and success fee).
How It Works
Tell us the cycle
Receivables days, payables days, stock turn, peak funding need, and what the current bank is actually offering.
We review
Existing facilities, security, concentration, and where the market will price this credit today.
We prepare
A lender-ready pack: trading, debtors, stock, contracts and a clear use-of-funds story.
We run the tender
Competing working-capital offers — invoice, trade, revolver or a blend.
You choose
Rate, limit, covenants, security and flexibility — not whoever called first.
We close and stay on it
Settlement through to first reviews, so the facility still fits when the business moves.
Clients who work with Glenclair typically reduce annual debt costs by 25–50 basis points or more. One client saved $355,000 a year on a single restructure — see the case studies.
Book a Free 15-Minute Finance AssessmentNo Cost to You.
Glenclair Financial is paid by the lender as part of their standard costs. Our service is completely free to you — regardless of the size or complexity of the facility. If we can't deliver meaningful value, we won't take the mandate. Debt advisory services are the exception, provided under a retainer and success-fee structure.
Working Capital Solutions We Specialise In
- Invoice finance and debtor finance (recourse and non-recourse)
- Trade finance, letters of credit and import advances
- Overdrafts and multi-option revolving facilities
- Inventory / stock facilities aligned to turn and seasonality
- Working capital for acquisitions and bolt-on growth
- Refinance of expensive invoice or trade lines — see commercial refinance
- Facilities that sit alongside term debt without choking covenants
Working capital sits within our wider commercial finance practice, so a facility can be tendered on its own or as part of a broader restructure.
Is Growth Being Funded by the Wrong Account?
If customers pay late, suppliers want cash, and the overdraft is doing work it was never designed to do, the next conversation should be a market tender — not another internal review with the same bank. One 15-minute call with Alasdair is enough to see whether a proper working-capital structure will free cash, lift limits, or both.
Book a Free 15-Minute Finance AssessmentContact Alasdair — aking@glenclair.com.au