Business Finance

When you’re in business there will always be times when you need to adjust your finances so you can grab the bull by the horns and take advantage of new opportunities that come charging your way. There’s nothing worse than having to let one slip by snorting and waving its tail!

That’s why working with CVG is such a great idea. It doesn’t matter if your business is brand-new or as old as the hills, we’ll navigate the path of commercial lending for you so can get on with doing what you do best.

We make borrowing for the future as easy as eating a whole packet of Tim Tams.

Here’s how:

Business Loans

A business loan is usually under a million bucks for a period of between five and 15 years. You can choose from interest-only or principal-and-interest loans, with fixed, variable or customised repayments. It’s a top-notch option if you’re investing to grow, expanding your inventory or moving. You don’t always have to put property up as security, but it can make your interest rate cheaper.

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Commercial Loans

Hey big spender … if you need more than a mill, a commercial loan will suit you best. But which one? It’s difficult to say, because every case is different, but that’s our job! We’ll find one that meets your needs – in fact, we’ll find more than one – we’ll give you options! Fixed rate, variable rate, both, or something else entirely!

Business Overdraft

Need an overdraft in case a robot that does your job for you comes on the market and you just have to have it? We get it! The secret to a good night’s sleep is smoothing out cash flow bumps and an overdraft is often just the thing for the job. And it’s a versatile little thing too! Cheques, debit cards, automatic payments and funds transfer are all part of the overdraft’s appeal, not to mention the line of credit to see you through some squeezy times. You’ll only pay interest on what you spend, so you don’t have to lock yourself into a rigid repayment schedule.

Debtor Finance

When your cash flow slows to a trickle, everyone hurts! As the outstanding invoices stack up, things get tight, and the ripple effect spreads quickly. Your debtors don’t pay you, so you can’t pay your own suppliers in a New-York-minute like you usually do. Sometimes it means you have to let new business slip by too, which everyone hates!

Enter Debtor Finance! This little beauty turns your unpaid client invoices into working capital by giving you access to up to 80% of the money you’re already owed. It keeps the cash flow flowing and you get the remainder of your dosh when your customer pays.

Equipment Finance

The fun stuff! Cars, trucks, machinery with great big wheels and other plant equipment! Not to mention the choices – leasing, asset purchase or a chattel mortgage with terms from two to five years. We’ll make sure your payments suit your cash flow and, in most cases, your costs will be tax deductible.