Growth capital,
without the dilution.
Non-dilutive, fixed-term debt for established, revenue-generating businesses that need growth or working capital and want to keep their equity. We lend our own capital, structure around your cash flow, and move faster than a bank.
The facility,
at a glance.
Straightforward, secured debt structured around how the business actually earns, rather than forcing it into a fixed template.
Facilities are written in AUD, GBP or USD depending on your market. Australia is our home market. Smaller and larger facilities are considered case by case.
VC speed.
Without the dilution.
The flexibility that banks do not offer, without giving up equity, and without the predatory pricing of the merchant-cash-advance end of the market.
Faster and more flexible. An indicative answer in two business days, a term sheet in around two weeks, and we lend against fundamentals, receivables and inventory, not just bricks and mortar.
We run a venture arm, and we bring that discipline to lending. We weigh growth trajectory, founder track record and market, not just trailing financials, so we can back businesses a bank calls too early.
We lend our own family-office capital. That means our own credit decisions, a genuinely commercial view, and creative structure where a bank's policy would say no, or take months, which kills deals and momentum.
Personal guarantees are a tool, not a default. Where hard, first-ranking collateral covers our position, we will drop director recourse.
Full payment schedules and simple term sheets. You know exactly what is paid, when and why. No factor rates, no daily debits, no fine print built to trip you up.
For a growth business, a facility is often the start. It can open into equity investment or growth-strategy support, the same way we treat our equity portfolio.
What we finance.
A clear, self-liquidating use of funds, structured to the business.
- Growth capital.
Expansion, key hires, new locations or scaling operations, without giving up equity. - Working capital.
Inventory to meet demand, seasonal gaps, a lumpy cash-conversion cycle. - Acquisition and buyout finance.
A bolt-on acquisition or a partner buyout, as a non-dilutive alternative to an equity raise. - Refinance and restructure.
Replace more expensive SME debt, consolidate facilities, or clear a tax payment plan. - Bridge finance.
Short-dated, against a clear near-term repayment or a defined asset such as a property sale.
Who it's for.
Profitable or cash-flow-positive companies with roughly A$500k+ in annual revenue and at least 12 months trading, with tangible assets, strong receivables or quality inventory to lend against. Corporate borrowers only, with a clear, genuine business purpose.
From enquiry
to drawdown.
A clear path, with a decision gate at each step. Typically three to five weeks from serious engagement to funds advanced.