Debtor finance

By: Lock Finance  06-Dec-2011
Keywords: Debtor Finance

Imagine how much easier life would be if most of your business sales were in cash. Our Debtor Finance product can provide immediate access to cash tied up in the debtors ledger. This product is ideal for more established companies who are experiencing growth or seasonal constraints and want to maximise the amount of cash they can borrow against their business assets.

Debtor Finance allows companies to control their debtors ledger. And total confidentiality is assured as clients or any other third party will not know of our involvement.

Ideal for established businesses who have been trading for more than a year and with a turnover of more than $750,000.00

Our debtor financing products offer

  • Up to 80% of the total debtors ledger within 24 hours
  • No fixed limit - as sales and debtors grow so does access to cash
  • A website with summary information of the sales ledger, current account (including funds available) information and the ability to request drawdowns
  • No requirement for early repayment discounts with your clients
  • A reduction of any reliance on personal assets being used to support business debt
  • Confidentiality. Management of the ledger remains with the client


  • Establishment fees and interest charges apply

Our normal lending criteria apply.

The information in this article was current at 02 Dec 2011

Keywords: Debtor Finance

Other products and services from Lock Finance


Working capital

Whether it is due to rapid growth, seasonality or lack of time to chase debtors or a long business cycle, the end results are the same pressure, under performance and the inability to grow. This option is ideal for companies who require immediate access to cash to improve cash flow and do not want to use personal property as security. It is a shortage of cash and the inability to maximise cash flow.


Trade Finance

Our extensive experience in international trade, including international payments means we can offer a full range of trade finance products that are supported by an individually focused service. Our trade finance facilities enable you to access cash tied up in debtors and stock effectively bringing future profits into your business for use today. The cost of holding stock or waiting for stock to arrive from overseas can slow sales growth.



In addition, we look after the day to day management of accounts receivable, so precious time is not wasted chasing customer payments. Factoring is ideal for developing/fast growing companies and businesses with low levels of equity or company assets. Our company Factoring product can provide immediate access to cash tied up in the debtors ledger. Imagine how much easier life would be if most of your business sales were in cash.


Products - Business Finance

Whether you need funding for a new business start-up, MBO, an acquisition, cash flow financing, to consolidate debt or simply to support organic growth, we can help. We've helped businesses achieve their financial goals in all sectors including importers, distributors, wholesalers, manufacturers, exporters and service providers.