Financing Solutions
We help our clients with three main types of funding needs.
Each requires a different approach and we know how to structure, position, and secure the right solution for each.
1. New Requirements
Funding options for growth
Business Acquisitions
Working Capital
Trade Finance
Shareholder Buyouts
Asset Finance
Capital Expenditure
Industrial Property Purchases
Geographic Expansion
Bank Guarantees
2. Optimising Banking
Make your banking work harder
Market Benchmarking
Improving Interest Rates
Reducing Property Security
Improved Terms and Conditions
Refinancing on Improved Terms
3. Clearing Hurdles
Solutions for complex situations
Turnarounds in Profitability
ATO Debt Restructuring
One-Off Events
Complex Structures
Out of the Box Requirements
1. New Requirements
Every stage of growth brings new funding requirements, here’s how we help.
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We help mid market businesses secure the capital they need to make successful acquisitions. For acquisitions, management often needs to move fast and bid with confidence, so having funding lined up early is essential. Because many acquisitions involve paying goodwill, our cash flow and balance sheet backed financing expertise becomes a critical ingredient in securing the right facility and closing the deal.
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We strengthen liquidity with smarter working capital facilities and trade finance solutions that align with cash flow cycles. From inventory and debtor funding to import/export lines, we ensure your business has the financing headroom to cater for working capital shortfalls.
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When financing shareholder buyouts, banks have specific requirements from a credit perspective that needs addressing. Our experience allows smooth transitions to new ownership, paving the way for growth and success.
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We arrange funding for your capital expenditure plans, whether it is vehicles, civil and earthmoving equipment, manufacturing equipment or more bespoke requirements. Our asset finance expertise and cash flow skills allow you to structure funding appropriately and put forward a compelling investment case to the bank.
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From owner-occupied premises to investment portfolios, we secure funding that complements your property and business strategy with the right balance of leverage, term, and flexibility.
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Whether scaling across Australia or entering new global markets, we arrange funding structures that support growth beyond borders managing foreign operations, currency exposure, and working capital needs.
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We help structure and secure bank guarantee facilities that support trading relationships, contracts, and performance obligations without overcommitting core security or working capital. Our goal is to balance convenience with capital efficiency.
Make your banking work harder.
We help clients review, restructure, and renegotiate their existing facilities to make their banking truly work for them
2. Optimising Banking
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We assess your current facilities against market standards to ensure pricing, covenants, and structures remain competitive. Our benchmarking gives you a clear picture of where your banking stands and where improvements can be made.
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We negotiate with banks and lenders to secure lower margins and better overall pricing. By presenting your business through a strong credit lens, we help you achieve rates that reflect your true performance.
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We help businesses reduce their reliance on property-backed lending by shifting focus toward cash flow and business fundamentals. The outcome, greater flexibility, less personal exposure, and funding that grows with you.
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When your business has evolved, your banking should too. We arrange refinances that deliver sharper pricing, more flexibility, and improved alignment with your future plans. If a different bank is a better fit for you, we arrange that.
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We identify opportunities to strengthen your banking terms from covenant structures to review cycles. The goal is simple: ensure your facilities support your strategy, not constrain it.
Funding solutions for complex situations.
When challenges arise, we help good businesses navigate through them with structured funding solutions that cater for the normal ups and downs of business.
3. Clearing Hurdles
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When businesses go through a temporary dip in financial performance, accessing finance can be hard. By telling your story better we help banks better understand your future performance and access the funding to fuel your turnaround.
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ATO debt is viewed negatively at banks. But not all ATO debt is bad. By providing the narrative and helping banks understand why the future looks different, we have been able to help businesses refinance ATO debt and secure their future.
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From shareholder exits to legal settlements, one-off events can strain liquidity. We arrange bespoke funding solutions that manage immediate needs while keeping long-term goals intact.
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Group entities, trusts, intercompany loans, or layered security positions we specialise in navigating complexity. Our credit expertise and lender relationships allow us to structure facilities that fit intricate ownership and operational frameworks.
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Not every funding requirement fits a standard bank template. We specialise in structuring solutions that satisfy credit criteria while working beyond rigid lending boundaries. Our credit expertise and strong banking relationships give clients access to better options and consistently stronger outcomes.
At Capital Options, we help businesses take the next step, moving from vanilla banking to Smart Banking that supports real growth.
Common banking problems we solve
What we hear too often…
Mid-market businesses tend to face a few common banking issues.
Tick-the-box Lending
Getting a "No" to anything outside the box or during uncertainty
Everything Tied Up
Personal and business security is tied up well beyond optimal requirements
Frustrating Processes
Credit approvals take too much time and are frustrating
Over Reliance on Property Security
Not enough property to support funding needs
Sub Optimal Solutions
Oversecured, uncompetitive pricing, lack of flexibility
Poor Relationship Management
Frequently changing relationship managers and lack of understanding of business