Working capital

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The biggest obstacle to business success is not poor product development or lack of management control. In simple terms, it is a shortage of cash and the inability to maximise cash flow. Whether it is due to rapid growth, seasonality or lack of time to chase debtors or a long business cycle, the end results are the same pressure, under performance and the inability to grow.

Our working capital products:

Provide for shorter or longer term requirements
Separate business borrowing from personal borrowing
Can add to or replace existing funding facilities
Enable borrowings in NZ$ or in a foreign currency to match cash flow requirements and increase working capital

This option is ideal for companies who require immediate access to cash to improve cash flow and do not want to use personal property as security.

We have two working capital products:

Working capital limit - fluctuating funding requirement
Term loan - core debt funding requirement

Working capital limit - fluctuating funding requirement

This is generally advanced as stock funding against a company's stock and debtors' security, and is available on an interest only basis with the option to capitalise interest if required.

Benefits

Separates business borrowing from personal borrowing. You can protect your home and other personal assets whilst still accommodating your business requirements
Immediate access
Irrespective of how it is to be used we can give immediate access to cash by adding to or replacing existing cash flow funding facilities
We have a pricing package tailored to your requirements, with emphasis on paying for what you use; not for what you can use. We do not charge a line fee, a commitment fee or an undrawn fee

Term loan - core debt funding requirement

This is generally advanced against a company's stock and debtors' security only and is available on an interest only and repayment basis.

Benefits

Separate business borrowing from personal borrowing. You can protect your home and other personal assets whilst still accommodating your business requirements
Immediate access
Irrespective of how it is to be used we can give immediate access to cash by adding to or replacing existing funding facilities
We have a pricing package tailored to your requirements, with emphasis on paying for what you use; not for what you can use. We do not charge a line fee, a commitment fee or an undrawn fee

Fees

We believe that a company should only pay for what they use, therefore we do not charge a line fee, a commitment fee or an undrawn fee.

The fees applicable include an application fee, interest rate, and commission charge
For more information on costs please contact a member of our business development team on 0800 ASK LOCK (0800 275 562) or via our contact form

Our normal lending criteria apply.

	Working capital finance
	home > products > working capital finance The biggest obstacle to business success is not poor product development or lack of management control. In simple terms, it is a shortage of cash and the inability to maximise cash flow. Whether it is due to rapid growth, seasonality or lack of time to chase debtors or a long business cycle, the end results are the same pressure, under performance and the inability to grow. Our working capital products: Provide for shorter or longer term requirements Separate business borrowing from personal borrowing Can add to or replace existing funding facilities Enable borrowings in NZ$ or in a foreign currency to match cash flow requirements and increase working capital This option is ideal for companies who require immediate access to cash to improve cash flow and do not want to use personal property as security. We have two working capital products: Working capital limit - fluctuating funding requirement Term loan - core debt funding requirement Working capital limit - fluctuating funding requirement This is generally advanced as stock funding against a company's stock and debtors' security, and is available on an interest only basis with the option to capitalise interest if required. Benefits Separates business borrowing from personal borrowing. You can protect your home and other personal assets whilst still accommodating your business requirements Immediate access Irrespective of how it is to be used we can give immediate access to cash by adding to or replacing existing cash flow funding facilities We have a pricing package tailored to your requirements, with emphasis on paying for what you use; not for what you can use. We do not charge a line fee, a commitment fee or an undrawn fee Term loan - core debt funding requirement This is generally advanced against a company's stock and debtors' security only and is available on an interest only and repayment basis. Benefits Separate business borrowing from personal borrowing. You can protect your home and other personal assets whilst still accommodating your business requirements Immediate access Irrespective of how it is to be used we can give immediate access to cash by adding to or replacing existing funding facilities We have a pricing package tailored to your requirements, with emphasis on paying for what you use; not for what you can use. We do not charge a line fee, a commitment fee or an undrawn fee Fees We believe that a company should only pay for what they use, therefore we do not charge a line fee, a commitment fee or an undrawn fee. The fees applicable include an application fee, interest rate, and commission charge For more information on costs please contact a member of our business development team on 0800 ASK LOCK (0800 275 562) or via our contact form Our normal lending criteria apply.
	Contact us now to find out how we can help your business grow. Email us or call for an intital assessment - Freephone 0800 ASK LOCK (0800 275 562) Downloads: > Working Capital spec sheet > SmartBusiness Live moves into the fast lane Lock Finance understood the strength of our business – our cashflow. We don’t have plant, or stock. What we have is our relationship with our customers. Lock funded us based on our strong cashflow.
	Trade Finance Turn your business sales into cash. Ideal for more established companies. Debtor Finance Access cash tied up in debtors and stock and realise profits for use today. Contact Us Contact us now for an initial assessment of your funding requirements. The information provided in this site is supplied by Lock Finance (unless otherwise specified). All Lock Finance services, products and offers are subject to change. While every endeavour has been made to supply accurate up to date information, errors and omissions may occur. Accordingly, Lock Finance accepts no responsibility for any loss to any person (in any form whatsoever) that arises from the use of, or reliance on, the information contained on the Lock Finance website.

Working capital finance

Working capital limit - fluctuating funding requirement

Term loan - core debt funding requirement

Fees

Contact us now to find out how we can help your business grow.

Trade Finance

Debtor Finance

Contact Us