Working capital
Release eligible secured capital for a documented operating requirement.
Eligible business funding supported by property, equipment, receivables or other acceptable security—structured around accepted value, priority, total debt, cash flow and a defined repayment pathway.
The predominant use of funds must be genuine, documented and compatible with lender policy.
Release eligible secured capital for a documented operating requirement.
Support an eligible purchase, site, fit-out, stock or growth program.
Replace maturing or unsuitable commercial debt with a clearly evidenced improvement.
Structure urgent funding where valuation, due diligence, legal work and exit can be completed reliably.
Different assets create different valuation, priority and enforcement questions. Basic Finance may assess an eligible transaction directly or facilitate a structure with a suitable lender; the selected lender still makes an independent credit decision.
Residential, commercial, industrial, land or development property where purpose and lender policy permit.
Identifiable business assets assessed on ownership, condition, valuation, age, use and PPSR position.
Verified payment rights assessed on debtor quality, collectability, concentration, timing and control.
Case-specific collateral considered only where value, ownership, legal rights, liquidity and enforcement are supportable.
Use the matrix to identify the likely evidence and structure. Parameters remain indicative until the complete transaction is assessed.
| Secured pathway | Leverage or advance basis | Indicative term profile | Location or collateral appetite | Critical evidence and exit |
|---|---|---|---|---|
| First-mortgage property financeSenior property-backed acquisition, refinance or equity release. | Up to 80% LVR only for selected qualifying structures on this page; lower limits commonly apply. | Often 3–24 months for private or short-term facilities, matched to the transaction. | Australia-wide enquiries; metro and established regional property generally preferred. | Accepted value, title, payouts, purpose, net funds, capacity and evidenced refinance or sale exit. |
| Second-mortgage property financeJunior capital behind suitable existing senior debt. | Case-specific combined leverage after senior debt, retained interest, fees and costs. | Often 3–12 months, subject to consent, priority, legal review and take-out. | Marketable property with sufficient verified equity and lender appetite. | Senior facility documents, payout, consent position, valuation, purpose and credible exit. |
| Caveat financeShort-duration funding supported by a genuine registrable or caveatable interest where appropriate. | Case specific; not automatically equivalent to mortgage leverage or priority. | Often 1–6 months for eligible time-sensitive scenarios. | State law, title, property, postcode and lender policy all affect availability. | Solicitor review, legal interest, existing encumbrances, net requirement, deadline and exit. |
| Equipment or vehicle financeFunding linked to identifiable productive business assets. | Advance depends on asset type, age, condition, value, ownership and lender policy. | Matched to useful life, cash flow and approved repayment profile. | Australia-wide, subject to asset location, registration, inspection and marketability. | Invoice or ownership, asset details, valuation, PPSR, business use and servicing evidence. |
| Receivables or other business-asset securityWorking-capital structures supported by verifiable commercial rights or collateral. | Case-specific advance against lender-accepted value and enforceable control. | Aligned to the receivable cycle, contract milestone or documented repayment event. | Debtor, industry, concentration, jurisdiction and collateral liquidity are central. | Contracts, invoices, ageing, debtor quality, ownership, prior interests and collection pathway. |
Indicative only: these are not offers or universal maximums. Amount, leverage, rate, fees, term, security, postcode appetite, timing and approval remain subject to lender criteria, valuation, verification, due diligence, legal documentation and cleared conditions.
Purpose, amount, timing, borrower, cash flow, security and repayment source.
Identify documents, gaps, risks and the facts a lender must verify.
Compare term, security, repayment profile, total cost and lender fit.
Coordinate approval, due diligence, documents and settlement conditions.
Depending on lender policy, security may include eligible real property, vehicles, equipment, receivables or broader business assets. The legal and priority position must be clear.
Up to 80% LVR may be considered for selected eligible, usually first-mortgage property scenarios. Property type, location, ranking, existing debt, capitalised interest and exit can require lower leverage.
A starting point is accepted value multiplied by the approved LVR, less existing secured debt and all amounts that must be funded or retained. The lender determines accepted value and deductions.
No. Purpose, borrower, cash flow, credit, legal position, valuation, total cost and repayment strategy remain material.
Enforcement rights depend on the security documents and law, and can include action against secured assets and guarantors. Obtain independent legal advice before signing.
Some lenders may consider second-ranking security, but available leverage is commonly lower and priority or consent issues must be resolved.
Share those facts so we can identify the information required for a meaningful assessment.
Call: 0439 462 664
Email: info@basicfinanceloans.com.au
Use our contact form to share the funding amount, business purpose, available security, existing secured debt and proposed repayment strategy.