Business Finance & Working Capital
Business loans and working capital solutions that support operational scaling without compromising equity.
In the current Australian economy, agility is the ultimate currency. Barrett Capital Advisory facilitates business loans and working capital solutions that support rapid operational scaling without the dilution of equity. We view your balance sheet as a dynamic tool, not a static document.
Advanced Working Capital Solutions
Standard overdrafts are often insufficient for high-growth firms. We architect sophisticated liquidity lines, including:
Supply Chain & Trade Finance
Bridging the gap between the purchase of inventory and the receipt of payment, essential for businesses with international footprints.
Debtor Finance (Selective Invoice Factoring)
Unlocking the value tied up in your accounts receivable, providing immediate cash flow based on your verified invoices to creditworthy clients.
Asset-Backed Business Loans
Using existing unencumbered equipment or property to secure low-cost capital for expansion or acquisition.
Acquisition Finance & Management Buy-Outs
For successful leaders looking to acquire a competitor or buy out a partner, we structure the debt required to facilitate the transition. This involves a deep analysis of Future Maintainable Earnings (FME) and EBITDA, ensuring the debt serviceability is robust enough to sustain the business post-acquisition.
Enquire about Business Finance & Working Capital
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Our Other Services
Owner Occupied Home Loans
Bespoke home loans for high-net-worth individuals, navigating complex income streams and private wealth structures.
First Home Buyers
A safe and trustworthy introduction to the property market, with particular focus on our clients' children.
Investment Home Loans
Tax-effective frameworks and interest-only options that maximise cash flow and capital growth.
Commercial Loans
Technical architecture for commercial property finance across industrial, retail, hospitality, healthcare and office assets.
Asset & Equipment Finance
Tax-effective chattel mortgages and leasing structures for high-value acquisitions.
SMSF Lending
Structural expertise to leverage your superannuation for residential or commercial acquisition.
Private Credit Solutions
Access to non-bank institutional capital and private debt funds for time-sensitive acquisitions.
Private Bank & Advisory Integration
The specialist lending arm for your broader financial ecosystem.