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Business Finance

Finance Solutions for All Your Business Needs

At Ledge, our primary focus is assisting with commercial and business finance. This incorporates a number of different needs for a business, whether it is cash flow funding, acquisition or expansion, insurance premium funding, all the way through to equipment. In simple terms – any debt that is associated with a business is where Ledge can assist.

To enable Ledge to assist with the debt or finance requirement we first of all get a deeper understanding of our client, the business itself, its current position and the future strategy.

We do this by performing a detailed analysis of the business, looking at the internal systems and processes and provide business finance solutions that fit the organisation’s specific needs and requirements.

Ledge’s complete suite of business and commercial finance products include:

To learn more about our complete range of business and commercial finance products, contact us here.

SME, Corporate & Commercial Loans

At Ledge, we facilitate a broad range of lending solutions for a range of clients in the SME, commercial and corporate space. To enable Ledge to assist with the debt or finance requirement we first of all get a deeper understanding of our client, the business itself, its current position and the future strategy.

We do this by performing a detailed analysis of the business, looking at the internal systems and processes and provide commercial finance solutions that fit the businesses growth strategy needs and requirements.

We provide solutions in varying market spaces from a one-man startup, high net worth or long standing businesses, through to publicly listed, high end, corporate clients.

We have partnered with many of our clients throughout their entire business journey, from startup right through to becoming a successful business, some even listing on the ASX and on from there.

Contact us today to see how we can assist your business growth through varying types of lending solutions to suit your business requirements.

Insurance Premium Funding

Insurance Premium Funding enables you to pay your annual insurance premiums with a flexible repayment plan and allows you to keep working capital in your business.

Insurance Premium Funding allows you to make simple and affordable monthly repayments on terms which can range from 6 to 12 months over the life of the premium.

Staging the repayments provides you with cash flow, along with a positive mindset as you know you have the right level of cover to protect your business against risk.

Insurance Premium Funding is a simple and cost-effective method that can be used for any commercial or domestic insurance, including: workers compensation, theft and burglary, property insurance, professional liability, and so on.

If you’re looking to free up your cash flow and have premium business insurance, or you simply want to know more contact us here.

See more on Insurance Premium Funding:
Insurance Premium Funding: A low cost, low risk funding solution

Cash Flow Finance

When it comes to growing your business, there are many challenges along the way and managing your cash flow is one of them.

Creating compelling, value adding products & services and funding stocks & supplies are just a few of the issues you may face, and we understand that banks are often unable to provide finance solutions that meet your business’s growth needs.

There are facilities available to support these growth strategies including cash flow / debtor funding solutions.

Get in touch to see how you can easily manage your cash flow through varying cash flow finance solutions that suit your business’s needs.

Surety Bonds

A Surety Bond is a viable alternative to bank guarantees or level of credit, which is alternatively improving the level of liquidity of your business by freeing up bank lines for possible other banking requirements.

Having a Surety Bond doesn’t just free up capital, it frees up security and uses the businesses balance sheet strength as opposed to property equity or dollar for dollar cash.

Most businesses that require a bond or bank guarantee are mainly those in the contracting industry, but the product can be used in a number of industries,, including:

  • Construction
  • Engineering
  • Energy
  • Project finance deals
  • Infrastructure
  • Telecommunications
  • Support Services
  • Transportation
  • All other sectors with a bond requirement (other than financial guarantee)

If you don’t want to tie up equity or cash which could be used in the business, talk to us to see if you qualify for a surety bond. It is a great product to help growing businesses.

Get in touch to speak to one of our Finance Executives about how your business may benefit from Surety Bonds.

Funding of Significant Change in Business

If you are a business owner and you are looking to grow it is crucial that you identify the right company to grow with and secure the appropriate funding.

Funding of significant change in your business is usually a complex mission with various alternatives available to finance, hence requiring thorough planning.

At Ledge, we partner with businesses and provide funding and finance solutions for:

  • management buy-ins and buy-outs
  • buy-out of existing shareholders
  • shareholder exits
  • merger and acquisition finance of synergistic businesses
  • capital raising
  • and many more.

We work with you to source the necessary funding to suit your individual circumstances.

Get in touch to find out more on how funding of significant change in business can help drive your growth.

Banking Facilities

Transactional banking facilities are a requirement for any business. Whether it be for their day to day main trading bank account, cash management account, merchant facilities or payments, online banking solutions or international trade solutions.

Some businesses just need a trading account, whereas other businesses require a trading account coupled with online banking and then merchant facilities to allow their client to pay by credit card.

At Ledge, we can assist with your banking facilities coupled with debt facilities and ensure they are tailored to the requirements of your business.

Ledge has access to the commercial, corporate and institutional areas of the bank and we position our client’s business and requirements into the appropriate area. They are given a personal transactional banking facility specialist which ensures that they get the required level of service.

For more information on banking facilities contact us and we will be happy to assist.