COLOSSAL FINANCE ─── CAPABILITIES / Working Capital & Cashflow
─── Working Capital · TYPICALLY BLUE
Cashflow is timing.We structure for the timing of your business.
Working capital isn't about access to credit. It's about matching the structure of your facility to the rhythm of your business — so when revenue lands, it lands productively, and when costs hit, they don't strangle operations.
─── WHEN THIS MATTERS
Working capital problems usually show up in one of three ways.
You're growing faster than your bank account.
Growth absorbs cash before it generates it. Revenue increases lag behind expense increases. The right working capital structure bridges that gap without forcing you to slow down.
Your customers pay 60 days. Your suppliers want 30.
That 30-day gap costs you growth. Debtor finance, trade finance, and invoice arrangements can convert receivables into immediate working capital — at structures that often cost less than turning down opportunities.
Seasonality is eating your margins.
Hospitality, agriculture, retail — seasonal businesses pay a premium when they're forced into expensive short-term debt during quiet periods. A properly structured facility costs significantly less.
─── HOW WE STRUCTURE IT
Working capital is five different products masquerading as one.
Overdrafts, lines of credit, debtor finance, trade finance, invoice discounting — each solves a different cashflow problem. Getting the diagnosis right matters more than getting the cheapest rate.
Overdrafts vs lines of credit
An overdraft sits on your trading account. A line of credit is a separate facility with separate terms. The right answer depends on how you actually use the facility — daily working capital or specific drawdown events.
Debtor finance structures
Confidential invoice discounting, disclosed factoring, single-invoice financing — different structures suit different customer relationships. We structure for your actual customer dynamics, not the lender's default product.
Trade finance integration
For businesses with international supply chains, trade finance facilities can fund the period between supplier payment and customer collection. Often cheaper than working capital, and more flexible than letters of credit.
─── THE LENDER LANDSCAPE
Working capital is a fragmented market. That's an opportunity.
Specialist debtor finance and working capital lenders often outperform the major banks on structure, speed, and ongoing flexibility. The right lender depends on your customer profile, industry, and how you want to manage the relationship with your customers.
Major Bank Working Capital Facilities
Best for: Established businesses wanting overdrafts integrated with broader banking relationships. Conservative limits. Slower facility adjustments.
Specialist Debtor Finance Companies
Best for: Businesses with strong receivables and growth ambitions. Flexible facility growth. Modern technology platforms. Higher pricing offset by structural flexibility.
Trade Finance Specialists
Best for: Import/export businesses, international supply chains, businesses with offshore supplier relationships. Sophisticated structuring across multiple jurisdictions.
Invoice-Specific Financiers
Best for: Single large invoice events, project-based businesses, businesses with concentrated customer bases. Flexible, on-demand structures.
─── CASE STUDY
Facility size
$1.5M
Structure
Debtor finance facility
Sector
Manufacturing · NSW
Timeline
Structured in 21 days
Engagement
Blue engagement
Sydney manufacturer scales capacity.
A Sydney-based manufacturing business with strong contracted revenue was hitting growth ceilings due to working capital constraints. Major customers were paying on 60-day terms while the operator was paying suppliers on 30 — the resulting cashflow gap was capping production capacity.
We structured a $1.5M confidential debtor finance facility that converted invoiced receivables into immediate working capital, without disclosure to customers. The facility was structured to grow with the receivables ledger, meaning capacity expanded as the business grew.
Within 12 months the business had increased production capacity by 40% and had begun discussions with us on a property acquisition to support continued growth.
─── WHAT IT LOOKS LIKE WITH US
A structured approach to working capital.
Cashflow diagnosis
Understanding the actual cashflow pattern, customer terms, supplier dynamics, and growth pressure.
Structure design
Modelling facility options against the business cashflow profile. Comparing overdraft, debtor finance, and trade finance structures.
Lender engagement
Curated approach to appropriate working capital lenders. Negotiated structure and ongoing flexibility.
Settlement and review
Facility implementation and integration with existing banking. Six-monthly reviews to optimise as the business scales.
Ready to discuss a working capital facility?
Whether you're managing growth, bridging payment gaps, or smoothing seasonality, start a conversation about how we can structure a facility for your cashflow pattern.