Every investment decision needs to have a benefit associated with the costs.

Stock finance will help you finance the importation of new product into Australia. We have looked at focussing upon the level of imported product only, and comparing the costs of the facility to the likely increased sales and gross margin you would be expecting to generate from using the facility.

You can open up the calculator here.

How to use the calculator

Simply input the information into the dashboard to get an indication of how much benefit you could reasonably expect to see from the facility.

• Sales of imported stock - for both current year and projected levels for next year.
• Gross Margins - Reasonably speaking margins should be expected to increase - through increased economies of scale of higher sales/imports and possibly through supplier discounts through making earlier payment.
• Purchases of imported stock - this is automatically worked out for you.
• Deposit required by inventory financier - this is the % the financier will need you to make against each purchase - i.e. your commitment to the financing.
• Financier’s Admin fee - financiers charge a fee as a % of the purchases made. Expect between 1.5% - 3.5%
• Debtor Days - the average length of time it takes your customers to pay you
• Cost of funds is the annual cost of funds that you borrow from the debtor financier. Expect annual costs to be of the level 11% - 14%
• Terms of Financier - each debt instrument issued by the financier will have a term - e.g 90 day bill of exchange.
• Debtor Days - the average length of time it takes your customers to pay you

The dial will show you how much estimated net benefit there is to your business. By adjusting the levels above you can see how the costs and benefits materialise. Look at the dial if it is green then you should expect there to be a benefit to your company.

Any queries, please do not hesitate to get in touch with us on 1300 79 30 60 or email us