What’s with the ghost? Meet Cashper your friendly financial ghost.
What’s with the ghost? Meet Cashper your friendly financial ghost.
What’s with the ghost? Meet Cashper your friendly financial ghost.
Our Products
We offer transparent, flexible financing solutions tailored to your business needs, from everyday transactions to major investments, all designed to empower your growth with clarity and confidence.
Our Products
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A charge card offers similar benefits to a credit card but requires full payment of the balance each month. This promotes disciplined spending habits and helps avoid accumulating debt.
A great tool for regular business expenses and credit building, but if you need financing for major purchases or payment flexibility, other options may be better suited.
A business credit card offers a convenient way to manage day-to-day expenses, from office supplies to travel. Benefit from interest-free periods and earn valuable rewards as you spend.
Ideal for everyday transactions, but for larger financial commitments, exploring dedicated business loans or credit lines may offer better flexibility.
A line of credit provides access to a pre-approved credit limit that you can draw upon as needed. It’s a flexible and convenient way to manage ongoing operational costs, cover unexpected expenses, or bridge short-term cash flow gaps.
Perfect for managing cash flow and operational needs, but for major investments, alternative financing solutions may be more suitable.
An overdraft provides an approved limit of extra funds attached to your business bank account. It’s a convenient way to cover unexpected expenses, manage seasonal fluctuations in revenue, or bridge short-term cash flow gaps.
Best suited for short-term funding, an overdraft may not be the ideal choice for long-term investments. Exploring other financing options can help ensure sustainable business growth.
Receive upfront capital and repay it conveniently through a percentage of your daily sales. This option is particularly well-suited for businesses with fluctuating revenue, providing access to funds when you need them most and balancing payments with revenue peeks and troughs.
If you’re waiting for a grant payment but need to keep your research and development moving, R&D funding helps bridge the gap. R&D funding can be a great way to unlock your future refunds today whilst continuing to fuel the investment into R&D.
Need funding for a major investment? A term loan provides a set amount of money with fixed repayments over a fixed time. Best for accessing funds today, spreading the cost over a longer term and minimising the impact of the repayments on your cashflow.
Debtor finance (or invoice factoring) allows you to access the funds tied up in outstanding invoices, improving your cash flow and liquidity. This can provide the working capital required to cover expenses, invest in growth, and seize new opportunities without waiting for customer payments to land in your business account.
Provides immediate cash from specific invoices, helping you balance revenue against expense timing.
Like factoring, invoice finance or invoice discounting provides immediate funding against unpaid invoices, enhancing liquidity and boosting your cash flow. Invoice Discounting/Finance are typically undisclosed funding arrangements, with businesses still managing the receivables ledger. Funding specific debtors is also possible, rather than the entire ledger.
Own your business asset from day one, making regular payments whilst providing the asset as security for the loan. Key benefits include immediate ownership, potential tax benefits, and flexible repayment terms. Chattel mortgages are commonly used for acquiring commercial vehicles, manufacturing equipment, and other essential business assets.
Product / Features Chattel Mortgage Ownership Business/Borrower from outset Control Business/Borrower controls asset Balance Sheet Asset/Liability recorded End Of Term Business/Borrower retains ownership Tax Deductions Interest and depreciation Typical Use Case Ownership with financing using the asset as security
Enjoy long-term use of essential business assets, with the option to own them at the end of the lease agreement. Key benefits include predictable payments, potential tax advantages, and conserving working capital. Finance leases are commonly used for acquiring manufacturing equipment, commercial vehicles, technology upgrades, and other essential business assets.
Product / Features Finance Lease Ownership Financier during the term Control Financier controls asset Balance Sheet Asset/liability recorded End Of Term Option to purchase Tax Deductions Deductible lease payments Typical Use Case Longer-term financing
An operating lease offers temporary use with the option to return or upgrade. Benefits include lower upfront costs and predictable monthly payments. Common use cases include leasing office furniture, computer equipment, or vehicles for short-term contracts.
Product / Features Operating Lease Ownership Financier during term Control Financier controls asset Balance Sheet Off-balance-sheet expense End Of Term Asset returned to financier (sometimes purchase options exist) Tax Deductions Deductible lease payments Typical Use Case Short term or temporary usage
From strategic advisory to operational assistance, access the services you need to optimise your business operations.
Get competitive exchange rates, expert guidance, and risk management tools to reduce costs and protect your business from currency fluctuations.
Comprehensive coverage for your assets, operations, and financial future, providing peace of mind and minimising your business risks. Our expert team guides you to the right protection.
Streamline your business transactions with our efficient payment solutions and improve operational efficiency. Earn valuable rewards points on every business transaction or invoice you pay. Use points to fund purchases, travel, or maybe even a holiday.
We understand the unique financial circumstances of self-employed individuals. Our specialised loan products offer flexible terms and cater to your specific needs, whether you’re buying or developing commercial property.
We recognise the unique circumstances and income structures for self-employed individuals. We offer tailored home loan solutions for purchasing or refinancing your home, making homeownership more accessible.
Export finance solutions provide the funding you need to cover production and shipping costs, enabling you to confidently expand your business into overseas markets. We can help you navigate the complexities of international trade and achieve your global growth objectives.
Supply chain funding solutions ensure timely payments to your suppliers, improving your cash flow and enhancing the stability of your procurement operations. This creates stronger supplier relationships and allows you to focus on growing your business.
Trade finance solutions bridge the funding gap between purchasing stock and receiving payment, facilitating both international and domestic trade. This allows you to manage transactions efficiently, expand into new markets, and grow your business globally.
Get a free business overview by completing our online form or request a call back from our team. No pressure, just clear options.
Australian Credit Licence 387856
