Hub 1 · Your starting point
What you've got: start from your assets and cash flow
Every alternative funder lends against something. Find the thing you already hold, and see which routes are built around it.
Unpaid invoices
Unpaid invoices can release cash before your customers pay. See what funders check, what to hand over and where invoice-backed funding falls short.
Read more →Equipment and vehicles
Plant, machines, utes and trucks can secure funding to buy them or to release cash from ones you own. See what funders check and what to prepare.
Read more →Stock and inventory
Stock sitting in a warehouse or on the shelves can support funding, but not every funder will lend against it. See what's realistic and what to prepare.
Read more →Your home
A home with equity can back business funding from $20,000 to $5,000,000, even when trading history is thin. See how it works and the risks to weigh.
Read more →Investment and commercial property
Investment property, a commercial building or vacant land can secure business funding up to $5,000,000. See what funders assess and what to prepare.
Read more →Card and online sales
Regular card, online or marketplace sales can support turnover-based funding without property. See how it works, what to prepare and what to watch.
Read more →Contracts and purchase orders
A signed contract or confirmed purchase order can fund the work before you get paid. See what funders check, what to hand over and where this route stops.
Read more →Trading history and statements
A run of ordinary business bank statements can support unsecured funding of $5,000 to $500,000 without property. See what funders read and how to prepare.
Read more →Director guarantee
A director guarantee can unlock unsecured business funding but puts you personally on the hook. See how guarantees work and what to ask before signing.
Read more →How should you read this hub?
Each page below starts with one thing a business might already hold and follows it to the funding routes that lend against it. The grid references (A1, B2 and so on) are only there to help you find your way back; there is no required order.
Most owners hold more than one thing. A trading business might be owed money by customers, own a ute outright and have equity in a home. Read the page for each, then use the Funding finder to see how the routes rank when you combine them.
Quick answers
What if I hold several of these things?
That usually widens your options. Different assets can support different routes, and sometimes one facility sized on several assets together. The finder ranks the routes for the combination you tick.
Do I need to own the asset outright?
Not always. Some routes lend against assets with finance already on them, but the equity left over is what counts, and an existing financier may hold priority over it.
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