Finance question

Can I get finance to bridge slow-paying customers?

Often yes. When your invoices sit on 30, 60 or 90 day terms but wages and suppliers are due now, we bridge the gap. The usual route is property equity, drawn on at single-digit rates while you wait to be paid, or asset finance that frees the cash a purchase would have taken.

Bridge 30 to 90 day terms Single-digit rates Draw as needed

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Reviewed by a Ventas partner

Caleb MorehuCo-founder, Ventas Asset Lending

Caleb structures asset and property-backed finance deals and negotiates directly with lenders, alongside co-founder Sultan Kirby.

Ventas Asset Lending Pty Ltd (ABN 13 683 957 404) operates as a finance broker.

The short answer

Get paid on time even when they do not

Slow debtors are the classic cash-flow squeeze. You have done the work and sent the invoice, but a large customer runs 60 or 90 day terms while your wages, rent and suppliers all fall due this week. Ventas is a broker, so our job is to put funding in place that covers that gap without you chasing every payment or turning away good work.

For a recurring debtor gap, property-backed finance is the strongest tool. Equity in a home or commercial property supports a facility at single-digit rates, with no financials on many deals and ATO arrears workable, that you draw on when money is out and repay as customers pay you. It behaves like a buffer sized to your equity.

Where the pressure comes from a specific purchase, a vehicle, a machine or a fit-out, asset finance can relieve it instead. Financing that item up to $500,000, often in 24 to 48 hours and secured by the asset, keeps the cash you would have spent in the account to cover the wait on your debtors.

Do you qualify?

What makes a debtor-gap deal fundable.

Equity to draw on

Property equity forms a buffer sized to what you own.

Real invoices behind you

Genuine work billed to customers on longer terms.

A pattern, not a crisis

A predictable gap between doing the work and being paid.

ATO arrears workable

Behind with the tax office? Property-backed deals still proceed.

Why bridging beats stopping

Keep saying yes

Cover the gap so you take on work instead of turning it down for cash-flow reasons.

Cheaper than the alternative

Property-backed pricing sits in single digits, well under short-term lenders.

Draw and repay

Use it when money is out, pay it down when customers finally pay.

A real example

A labour-hire business invoices $90,000 a month to clients on 60 day terms, but pays its crews weekly. A property-backed facility at a single-digit rate covers the wages gap, drawn on when payroll falls due and repaid as the client invoices clear. No good worker is turned away for cash-flow reasons. Illustrative only, subject to valuation.

Get my situation assessed

Common questions

Frequently asked questions

Is this the same as invoice factoring?

No. We do not buy your invoices. We arrange a property-backed facility, or asset finance, that you control and draw on as needed.

Can I use it again and again?

A property-backed facility can behave like a revolving buffer, drawn on and repaid as your debtors pay, subject to lender terms.

I owe the ATO. Does that stop me?

Not on many property-backed deals. ATO arrears are workable when property secures the facility.

What if I do not own property?

Then financing a needed asset can free up the cash you would have spent, easing the same debtor gap.