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Business Financing

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Finance solutions for all your business needs

Ledge Finance has been providing customised business financing solutions to clients in Western Australia and nationwide for over 40 years.

With reliable solutions, competitive rates and an unmatched commitment to customer service, we have become one of the most trusted finance business partners in Australia and hold an Australian Credit Licence (No. 392211).

Ledge’s primary focus is assisting with corporate, commercial and small business finance.

Our tailored commercial finance solutions incorporate the differing needs of each of our clients, whether it is working capital finance, business asset finance, finance for acquisition or expansion, insurance premium funding, or equipment finance. It also includes short-term business finance, as well as long-term financing strategies. In simple terms, we can help you with any debt associated with a business.

To support you with your debt or finance requirement, our business finance specialists will first need to gain a deeper understanding of your vision and goals, the business itself, its current position and the future strategy.

We work with you to perform a detailed analysis of your business, including looking at the internal systems and processes. Once we’ve completed the analysis, we tailor business finance solutions to fit your needs and requirements.

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

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SME, corporate & commercial loans

At Ledge, we facilitate a broad range of lending solutions for our clients encompassing a variety of industries.

Check out our ‘Business Loans’ page for more information on how we can assist you with small business loans, whether secured or unsecured.

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Insurance premium funding

We provide a range of insurance premium funding solutions to clients across Australia.

Visit our ‘Insurance Premium Funding’ page for more information on how we can assist you or speak to a Ledge finance broker today.

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Cash flow finance

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

Creating compelling, value-adding products and services and funding stocks and supplies are just a few of the issues you may face. We understand that banks often cannot provide finance solutions that meet your business’s growth needs.

Facilities to support these growth strategies include cash flow finance/debtor funding solutions.

Our business finance brokers based in Perth will explain how you can easily manage your cash flow through varying cash flow finance solutions that suit your business’s needs.

Get in touch with us to see how you can easily manage your cash flow through varying solutions that suit your business’s needs and meet your financial goals.

3-Way Forecasting for SME & Large Businesses

3-way forecasting provides visibility over the interaction between your business’s cash flow, profit & loss and balance sheet.

We spoke to Garry Johnston, CEO at Steel Blue and Megan Nowotny CPA at Constructiv Accounting to discuss the benefits of 3-way forecasting for SME and large businesses.

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, securing business growth is our area of expertise.

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

Get in touch to learn more on how funding business significant changes can help secure and drive growth.

We partner with businesses to 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
  • Facilitating and running Bank Tender process into the market
  • Plus more

Equipment finance

At Ledge, we facilitate a broad range of equipment financing solutions for a range of businesses across Australia.

Visit our ‘Equipment Finance’ page for more information on how we can help you, whether you are looking to expand your fleet, upgrade your equipment, purchase a new machine, or something else.

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Surety bonds

A Surety Bond is a viable alternative to bank guarantees or level of credit.

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

If you don’t want to tie up equity or cash, talk to us to see if you qualify for a surety bond. It is a great product to help your business grow.

Businesses in the contacting industry mostly require a bond or bank guarantee, however, businesses in other sectors can use Surety Bonds including:
  • Construction
  • Engineering
  • Energy
  • Project finance deals
  • Infrastructure
  • Telecommunications
  • Support services
  • Transportation
  • Other sectors where bond is required

Facilitating business finance solutions for Iron Mine Contracting

We spoke to Clinton Keenan & Derek Williamson from Iron Mine Contracting and here is what they had to say about their business success and the great relationship they have with Ledge.

Craig at Laptop Ledge Finance.

Banking facilities

Transactional banking facilities are a requirement for any business, whether for your main daily 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 others require a trading account coupled with online banking and merchant facilities to allow their client to pay by credit card.

At Ledge, we can assist with your banking facilities and debt facilities, tailoring them to your business and financial situation.

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Commercial property finance

Has your business outgrown its existing facilities? Or perhaps you are a new business owner who wants to purchase a property.

No matter your needs, our commercial mortgage brokers will work closely with you to find a solution best suited to your needs.

Visit our ‘Property Finance’ page for more information on how we can assist you with your commercial property purchase, and get in touch with a Ledge mortgage broker today.

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Agricultural finance

At Ledge, we facilitate several finance facilities for agricultural businesses. Some examples include trade advancements and derivative limits such as cash & carry and foreign exchange.

If you are an agricultural business and want to find a flexible finance option to suit your needs, get in touch with a Ledge finance specialist and we will be more than happy to assist.

Isaac Hough and Brad Spencer from Ledge, having a meeting in the boardroom.

Need funding for your business?

No matter the type of business loan or debt facility you require, our team of experienced finance brokers can assist.

In addition, our strong relationships with financial institutions and the key stakeholders within these institutions enable us to achieve great results for our clients, with their best interest in mind – ultimately ensuring the health and longevity of your business.

Business financing FAQs

Business finance, or corporate finance, is reviewing a business’ cash flow forecast, seeing where additional resources may be required and sourcing the correct equity or debt solution in line with the business finance needs.

The finance solution a business requires will depend on its unique circumstances. However, some common types of business finance include surety bonds, insurance premium funding, business loans and cash flow finance.

The potential advantages of business finance include:

  • A quick way to raise cash for your business
  • Build and establish business credit
  • There may be tax deductions
  • Low interest rates may be available
  • Debt can fuel business growth

The potential disadvantages of business finance include:

  • A bank loan may require an initial set-up fee
  • In most cases, you will need a form of security
  • There may only be high interest rates available for your requirements
  • The loan needs to be paid back with interest
  • You need to apply for a business loan and are not guaranteed approval