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Debtor Finance
A Debtor Finance Facility is where a loan is raised for working capital purposes using a customer’s debtor book (accounts receivable) as security.
This type of finance is an alternative to an overdraft facility of which is secured by property. This form of financing is experiencing high growth in Australia and is moving forward with great popularity.
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Debtor Finance
Overview of a Debtor Finance for Truck Finance
Debtor Finance is a flexible working capital solution that utilises a business's existing debtor book (accounts receivable) as the primary security for a loan. This facility allows businesses to unlock the value held in their outstanding invoices immediately, providing a crucial injection of cash flow long before the customers pay their terms.
This type of financing offers a powerful alternative to traditional secured borrowing, such as an overdraft facility which is typically secured by property. Debtor Finance uses your ongoing sales, rather than 'bricks and mortar,' as collateral, making it ideal for high-growth or asset-light businesses in the transport sector.
This finance solution is experiencing high growth and is moving forward with great popularity across Australia. We specialise in structuring competitive Debtor Finance facilities, ensuring you gain rapid access to working capital needed for immediate needs like fuel, wages, maintenance, or fleet expansion.
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Apply Now for Online Pre-Approval up to $500K without affecting your credit score.
Invoice Security
Features of a Debtor Finance Facility
- Customers can raise a loan using their outstanding debtors list as security
- Funding limit can be between 80% to 100% of the value of the debtor list
- Funds are deposited into clients account the day after the invoice is issued by the client
- This product is an alternative to a traditional overdraft facility
Tax Advantages
Benefits of a Debtor Finance Facility
- Business owners can use property assets to grow personal wealth without tying such assets to the business
- Facilitates business growth in the event that other funding options (i.e. overdraft) are not available
- Debtor finance facilities place less stress on cash flow due to rapid sales growth of a business
- Once a facility has been approved, there is no need to re-apply for a higher limit, as the facility increases commensurate with rising sales
- No need to wait 30-90 days to be paid by suppliers as funds are received as soon as an invoice is issued
- Given the fact a debtor finance facility increases commensurate with sales; this product allows client to make payments to creditors due to a rise in rapid sales growth
We Make Heavy Vehicle Finance Quick and Easy for Business Owners Australia Wide.
Start Now and complete our Quick Assessment Form to obtain a Pre-Approval up to $500K – decision within a few seconds.
Alternatively, you can call one of our Finance Consultants to discuss your funding scenario.
Example Breakdown
Example Funding Scenario
- Earthmoving contractor required access to additional funds required to meet working capital demands relating to a new work contract – proposed turnover was $2M per month
- Finance Type – Debtor Finance
- Facility Limit – $1,600,000
- Term – ongoing
Outcome
- Client was able to secure the new contract once this debtor finance facility was approved, increasing turnover from $1.2M per month to $2M per month
- As the security for the Debtor Finance Facility was the client’s debtor list only, they could use their property assets for other investment opportunities
- Client has access to funds immediately without having to wait 30-90 days to get paid from their suppliers – allowing clients to easily pay wages and make payments on their earthmoving equipment finance portfolio
- Once approved the Debtor Finance Facility will grow commensurate with the increase in sales – without having to be reassessed by our credit department
Customer Reviews
Our customers say it best. Find out what it's like dealing with the Experts in Truck Finance. You could be the next success story.
Nathan you are fantastic to deal with. Always prompt with deals never a hiccup. After 8 truck deals will never use another broker. Keep up the great work you make my life stress free.
TH
Tracey Hall
Scone Equine Transport Pty Ltd
I have been dealing Heavy Vehicle Finance since 2014 and have found them be nothing short of amazing.They have funded various trucks and trailers for me over the years and its a fantastic feeling to know that I still have the same account manager after all of these years of business.It is very good to know that a finance approval is only a phone call away.
CW
Colin Wallace
Palanquin Pty Ltd
I have used the team at Heavy Vehicle Finance twice now for our financing needs for prime movers and side tippers. A Great team to work with and very prompt and professional. We will use again in the future.
JC
James Coustley
JJC Civil
I have used Nathan and his team for multiple purchases for our earthmoving company and Nathan has gone above and beyond to help us with expanding our business. I couldn’t recommend Nathan more highly.
SW
Sam Wood
Sureflo Plumbing & Roofing Contractors Pty Ltd
We used Heavy Vehicle Finance for the purchase of our Truck. They went above and beyond for us and made sure that the process was as stress-free as possible. The entire interaction was nothing short of amazing. We will definitely be using them again in the future.
MM
Meagan McNicholl
Next Gen Transport Pty Ltd
Can’t thank Nathan enough for how fast and professional he was with organising my finance for my new truck. He was straight to the point with no stuffing around. Highly recommended
TH
Tim Hartas
Hartrax Contracting Pty Ltd
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Why Us?
Unlock the Benefits of Heavy Vehicle Finance for Your Debtor Finance
- Heavy Vehicle Finance backed by 20 Years Industry Experience. Heavy Vehicle Finance that will work for you.
- Quick, Easy and Obligation Free. Heavy Vehicle Finance Pre-Approvals up $500K.
- We deal with Owner Drivers and Fleet Operators Australia Wide. We will help you save thousands on your next Heavy Vehicle Loan.
- We're trusted across the Transport Industry as a leading provider of Heavy Vehicle Finance. Our applicants receive funding options tailored to their business needs, delivered efficiently by experts who understand Heavy Vehicle Industry.
- Typically No Financials are required for loans up to $500K and our unconditional approvals take only 24 hours.
- Our flexible policy matrix will give you greater access to capital—so you can secure the Heavy Vehicle and Heavy Equipment you need to grow your business faster and with more confidence.
- Our customers are assigned a dedicated Relationship Manager to help guide them through the process from start to finish.
Let us Finance
the Road to Your
Future
Complete our Simple Quick Assessment Form and let us go to work on finding the best Finance Deal on your New or Used Heavy Vehicle.
With over 20 years experience and thousands of deals done, we are on your side to get the best possible rate.
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