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Business Finance Solutions Australia

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Finance solutions for all your business needs

Ledge Finance has provided customised business finance solutions to businesses across Perth (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 business finance brokers in Australia.

At Ledge, our primary focus is assisting businesses with tailored corporate, commercial and small business finance solutions.

Our commercial finance solutions incorporate the differing needs of each of our clients, whether it’s working capital finance, business asset finance, finance for acquisition or expansion, insurance premium funding, or equipment finance.

We can also support businesses with short-term business finance, and long-term financing strategies.

To support you with your debt or finance requirement, our business finance specialists will work with you to gain a deeper understanding of your business, including your vision, current position and strategic goals.

We’ll perform a detailed analysis of your business, including reviewing your internal systems and processes. Once we’ve completed our analysis, we’ll tailor business finance solution to fit your specific needs and objectives.

To learn more about our comprehensive range of business and commercial finance services,  get in touch with our friendly team.

Australian Credit Licence (No. 392211).

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SME, corporate & commercial loans

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

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

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Insurance premium funding

We provide a variety of insurance premium funding solutions to businesses 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 can be a few challenges along the way. Managing your cash flow is one of them.

We understand that banks often can’t provide finance solutions that meet your business’s growth needs.

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

Get in touch with us to see how you can easily manage your cash flow through customised business finance solutions that align with your requirements and financial goals.

3-Way Forecasting for SME & Large Businesses

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

Here’s Garry Johnston, CEO of Steel Blue and Megan Nowotny CPA at Constructiv Accounting discussing the benefits of 3-way forecasting for SME and large businesses.

Funding of significant change in business

If you’re a business owner looking to grow, it’s crucial to identify the right financing company to grow with and to secure the appropriate funding.

At Ledge, driving business development and growth is our area of expertise.

Funding a significant change in your business can be complex, with various alternatives available to finance, hence the need for thorough research and planning.

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

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
  • Business start-ups
  • And more

Equipment finance

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

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

Isaac Hough standing with a Ledge client and talking.

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.

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 and Derek Williamson from Iron Mine Contracting, one of Ledge’s long-term clients. Here’s what they had to say about how they have partnered with Ledge to diversify and grow through challenging times and to set up their five-year platform for further growth.

Craig, a business loan broker, working on his laptop at 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 only 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 financing, tailoring them to your business and financial situation.

Sustainable commercial property building.

Commercial property finance

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

Our commercial mortgage brokers will work closely with you to find a solution that best meets your requirements.

Visit our ‘Property Finance’ page for more information on how we can assist you with your commercial property purchase, or get in touch with our team today.

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Agricultural finance

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

If you’re an agricultural business and want to find a flexible finance option to suit your needs, get in touch with a Ledge Finance Executive. We will happily 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 finance loan or debt facility you require, the professional team at Ledge can help.

Our experienced business finance brokers work with clients across a range of industries throughout Perth, Sydney, Melbourne, Brisbane and Adelaide, as well as in regional areas. 

Our strong relationships with financial institutions and key stakeholders within them enable us to achieve great results for our clients with your best interests in mind ultimately ensuring the health and longevity of your business.

Business financing FAQs

Business finance, or corporate finance, involves 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 for your business 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 business finance and are not guaranteed approval
  • Time Horizon: Short-term finance addresses immediate needs within a year, while long-term finance spans several years.
  • Purpose: Short-term finance is for day-to-day operations, while long-term finance supports major investments.
  • Repayment Period: Short-term finance requires repayment within months, whereas long-term finance extends over decades.
  • Interest Rates: Short-term finance may have higher rates due to risk and quick repayment, while long-term finance may have lower rates but higher overall costs due to the extended duration.

Secured business finance is a type of funding where a business borrows money by providing collateral or security to the lender. This collateral can be in the form of assets such as property, equipment, inventory, or accounts receivable.