Finance question
Can I get finance to pay suppliers on time?
Often yes. Working capital can fund your supplier payments so you settle on time, hold your trade terms and capture early-payment discounts instead of waiting on slow debtors. It is usually raised against property equity at single-digit rates or against plant you already own.
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The short answer
Keep suppliers paid and supply flowing
Your suppliers are the difference between filling an order and losing it. When your customers pay on 30 or 60-day terms but your suppliers want paying in 14, the mismatch puts your accounts on stop-credit and your deliveries at risk, even though the business is trading well. Working capital finance closes that gap so the trade creditors are paid on time and the goods keep coming.
Paying early can actually make you money. Many suppliers offer a settlement discount for prompt payment, and holding those terms protects your buying power and your place in the queue when stock is tight. Funding those payments with a facility that sits at single-digit rates, when secured by property, often costs less than the discount you capture or the sales you would otherwise miss.
The funding is secured, which is why it is accessible and can move quickly. Property equity prices in single digits, and plant or equipment you already own can back a low-doc facility that settles fast across 40-plus lenders. We size it to your real supplier commitments and your incoming receivables so it clears as the cash cycle turns over.
Do you qualify?
What makes a supplier-payment facility fundable.
Real supplier bills
Trade accounts due that you need to settle on time.
Receivables behind them
Customer invoices or contracts that repay the facility.
Equity or assets
Property equity or owned plant to secure it.
An active ABN
Sole traders and companies both qualify.
Why paying on time is worth financing
Supply stays open
On-time payment keeps you off stop-credit and orders moving.
Discounts captured
Early settlement can earn a discount that offsets the funding cost.
Secured pricing
Property-backed funding lands at single-digit rates, not unsecured pricing.
A real example
A wholesaler must pay a key supplier $90,000 within 14 days to hold a 2.5 percent early-settlement discount, but its own customers pay at 45 days. A working capital facility, secured against equity, funds the payment on time, banks the discount, and repays when the debtor invoices land. Illustrative only.
Common questions
Frequently asked questions
Can finance cover my supplier payments?
Often yes. A working capital facility can settle trade creditors on time and repay as your own customers pay you.
Is it worth it just to get a discount?
It can be. When the early-settlement discount or protected supply outweighs the single-digit funding cost, paying early makes sense.
How is the facility secured?
Usually against property equity at single-digit rates, or against plant and equipment you already own.
Will it get me off stop-credit?
Paying the overdue accounts in full generally restores your terms, so supply and normal credit resume.