As specialists in raising working capital finance we are only too aware of the frustrations of an expanding business. You are being successful, sales are increasing, but you have reached your credit limits with your major suppliers - or your Chinese manufacturers won't give you any extended terms - still requiring cash up front - or your contractors need to be paid in 7 days and your customers are taking 45 days to pay you.

Expanding any business requires cash - and the more you expand the more cash you need. So what are the options?

• Equity - you could look at raising equity - but do you want to give away a % of your business ? Especially at the current time when valuations of businesses are getting weaker by the day?
• Increase your overdraft - by offering the bank additional security - but do you have additional security to offer? Do you want to?
• Debtor Finance -how about a facility that enables you to grow WITHOUT real estate security? Just using your invoices as the primary source of security. Raise an invoice - send it to the debtor financier and they will give you up to 90% against the face value of the invoice on day 1 (returning the remaining 10% when the customer pays).
• Stock Finance - although cautious there are lenders who will lend money to finance imports from overseas AND for stock in-situ.

If you are suitable for the above finance - expansion awaits. If not we'll have to think outside the square a little and explore other assets you may have to see what additional finance we can raise. Either way we are committed to helping you expand your business.

The key areas in our site we believe you will find most relevant will be :

1. Our Learning Centre - where you will find a selection of 8, 5-7 minute videos on factoring, invoice discounting, acquisition finance and stock finance (both import finance, and finance against in-stu stock.)
2. Tools - here we have created calculators for you to work out the annual costs of debtor finance and the cost benefit analysis of stock finance and debtor finance. Within the same section we also have a basic credit assessment tool for debtor finance (no data is stored).
3. Client Section - information specifically relating to how we at Cash Stream Financial work with clients and potential clients.

Ahead of reviewing our site if you just wanted to contact us for independent advice, please do not hesitate to do so :

Telephone 1300 79 30 60

or mobile 0415 556653

or email us at info@cashstream.com.au

Equally, if you have access to Yahoo Messenger, Skype or Windows Messenger then we will be also able to communicate via video conferencing - please contact us for further details (unfortunately we have been getting bad “spam” by including our video conferencing details in our web-site - but we are happy to give you the details if you call us.