4 Ways to Free Up Cash in Your Business

Every business hits cash flow pressure at some point: a big order to fund, a slow season, a customer who pays late or a key machine that breaks down. The right funding depends on what’s causing the squeeze. These are four of the most common ways we help businesses free up cash.

1. Equipment finance

Instead of paying cash for a vehicle, machine or fit-out, finance it and keep your working capital in the business. With a chattel mortgage you own the asset from day one and, if you’re registered for GST, can generally claim the GST on your next BAS. You may also be able to refinance equipment you already own to release cash.

Read chattel mortgage vs finance lease to compare structures.

2. Unsecured business loan

An unsecured loan doesn’t need property as security, so it can be approved quickly, often within days. Amounts depend on your turnover and trading history, and Peak Capital arranges unsecured loans up to $1m. Rates are higher than secured lending, so they suit short-term needs and opportunities with a clear return.

See how much you can borrow unsecured.

3. Invoice finance

If customers take 30, 60 or 90 days to pay, invoice finance lets you borrow against unpaid invoices and get most of the money straight away. The facility grows with your sales, which makes it ideal for growing B2B businesses.

4. Use the equity in property

If you or your business own property, a secured loan or line of credit against it is usually the cheapest way to access a larger amount. It takes longer to arrange and puts the property at risk, so it’s best for planned needs rather than emergencies.

How a broker helps

We look at what’s driving your cash flow need and match it to the right product and lender from our panel of 100+, often combining facilities so each part does the right job. Read more about working capital finance, vehicle and equipment finance and unsecured business loans.

Frequently asked questions

What is the fastest way to get business funding?

Unsecured business loans and invoice finance are usually the fastest, with some lenders approving and funding within days. Property-secured loans take longer but are generally cheaper.

Can I refinance equipment I already own?

Often, yes. Some lenders will refinance equipment you own outright or have mostly paid off, releasing cash back into the business.

Is it better to use home equity or a business loan?

Property-secured lending is usually cheaper, but it puts your home at risk. An unsecured loan costs more but keeps your property out of it. The right choice depends on the amount, the purpose and your comfort with risk.

This article is general information only and doesn’t take into account your objectives, financial situation or needs. Speak to us or your accountant before making a decision.