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03 5223 3453 Monday - Friday, 8:30am - 5:00pm
OFFICE ADDRESS Harrison Place, Level 2, 237 Ryrie Street
Geelong Vic 3220, Australia
POSTAL ADDRESS P.O. Box 4233, Geelong Vic 3220, Australia

Get the capital you need to drive your business forward


Whether you’re looking to get a new business off the ground or looking to expand your existing business into new areas, you’ll have to consider working capital.

Understanding working capital is critical for your business’s ongoing success.

When a new business has limited working capital then it can be very difficult to launch that business successfully and many businesses fail because of a lack of funds, whether that is due to low initial capital or on-going cash-flow.

Businesses need finance for a variety of reasons, which may include the below:

  • To assist with the purchase of unique and specialised goods
  • A simplistic way to restructure a partnership or company position
  • To provide taxation benefits as well as generate cash flow for the business
  • To redistribute cash flow from previous business purchases
  • To provide cash flow/liquidity during unpredictable/seasonal/cyclical periods
  • To assist with unforeseen expenses such as mechanical repairs, unexpected creditors, legal fees and tax payments.

Not having sufficient working capital can have a serious impact on the future of your business. You may choose to apply for external funding to create enough working capital to enable your growth ambitions.

A loan can often cover any short-term funding requirements all the while, giving the business the money it needs to expand.

Working capital is the most common reason for small businesses to seek funding.

It can also be used to take advantage of any new opportunities that may arise, such as investing in new products or services to grow your business.

Alternatively, seasonal businesses may benefit from working capital during the quieter times in the year, to cover their basic expenses.

Growing your business and increasing sales will often require purchasing assets such as new machinery or vehicles. Even though you may have enough money to cover working capital expenses you may choose to finance the new assets you require.

Financing equipment is a great way to spread out the cost of acquiring an expensive new asset over time. Fixed repayments may help you plan your cash flow in advance.

Traditional financing products remain the primary way small businesses fund their operations, it is believed that approximately 75% of financing for new businesses comes from business loans, credit cards and lines of credit.

Morris Finance can offer a range of commercial products to provide cash flow for your business. Our team of dedicated finance specialists can provide you with information and access to financial solutions that will allow you to grow your business.

Contact us today to learn more about how we can help you raise capital.