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Small Business Lending

Capital that grows with your business

Running a small business comes with big responsibilities — and sometimes, that means needing finance to manage cash flow, purchase stock, upgrade equipment, or seize new opportunities. At Heritage Finance, we help Australian business owners access the capital they need with tailored lending solutions that align with their goals and stage of growth.

Whether you’re just getting started or looking to take your operations to the next level, we’ll help you navigate your options and choose the right lending structure to support your business success.

What Is Small Business Lending?

Small business lending refers to any finance designed to help SMEs (small to medium-sized enterprises) with their operational, growth, or working capital needs. These loans come in various forms, such as:

  • Term loans (short- or long-term)
  • Lines of credit
  • Equipment and vehicle finance
  • Invoice finance (factoring)
  • Start-up and unsecured business loans

The right loan for your business will depend on your cash flow, credit profile, time in business, and the purpose of the funding.

What Is Invoice Finance?

Invoice finance (also known as debtor finance or factoring) is a short-term lending solution that allows you to borrow against your unpaid invoices — giving you faster access to working capital without waiting for clients to pay.

Here’s how it works:

  • You issue an invoice to your client
  • The lender advances you up to 85–90% of that invoice’s value
  • You receive the balance (minus fees) once your client pays

This is especially useful in industries with long payment terms, like construction, logistics, or wholesale, and can help smooth out cash flow during busy or slow seasons.

What About Start-Up Business Loans?

Start-up lending can be challenging — but it’s not impossible.

Because start-ups have limited trading history, lenders will want to see other signs of credibility, such as:

  • A strong business plan with realistic financial projections
  • Industry experience or prior business ownership
  • Evidence of initial investment or “hurt money” (your own funds contributed)
  • Any existing collateral or security (e.g. a vehicle or property)
  • Revenue commitments (contracts or clients in the pipeline)

We help you present your start-up in the best light, and we work with lenders who understand that new businesses are built on potential, not just history.

What Lenders Look For

When applying for small business finance, lenders typically assess:

  • Time in business (most prefer 6–12 months minimum)
  • Revenue and cash flow trends
  • Profitability or pathway to profit
  • Your credit score and that of your business
  • Available security (if any)
  • Industry risk, market position, and business plan
  • “Hurt money” – how much skin you have in the game

Depending on your situation, we can help you explore secured or unsecured options and prepare the right documentation to maximise your approval chances.

Our Services Include:

  • Working Capital Loans
  • Cash Flow Lending
  • Invoice Finance
  • Start-up & Expansion Loans
  • Secured & Unsecured Business Loans
  • Line of Credit Facilities
  • Trade & Import Finance
  • Low-Doc & Fast Approval Options

How Heritage Finance Can Help

  • We’ll help match you to the right lender for your business stage

  • We assist in building your application and financial story

  • We simplify complex options and ensure you’re not over-leveraged

  • We work with both traditional banks and agile fintech lenders

Whether you’re running a café, building a construction business, or launching a SaaS platform, we tailor finance that’s fit for purpose — not just another cookie-cutter loan.

Let’s build something great, together.

If you’re ready to explore your small business finance options — or you’re unsure where to start — get in touch with the Heritage Finance team today.

Contact Us to book a chat with a business lending specialist.

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