Debtor Finance
Your corporate, business, equipment and residential finance experts
Discover the benefits of using a highly skilled business to deliver the optimum result for your specific financing needs and take advantage of NavFin’s access to numerous banks and specialist financiers.
operational consulting
We manage every operational detail—from document collection and lender negotiations to approval tracking—so you can focus on running your business.
Strategy Consulting
Our experts analyse your financial goals and structure bespoke funding strategies, matching you with the best lenders and products for your unique needs.
Financial Consulting
Benefit from proactive advice on cash-flow optimisation, refinancing opportunities and portfolio structuring to ensure your long-term financial success.
Debtor Finance
Debtor finance is a product that allows you to utilise your debtor book to raise working capital for your business to take advantage of opportunities such as:
- Assisting the growth of your business
- Access to supplier discounts
- Elimination of debtor discounts
- Assisting with business acquisitions and management buyouts
- Freeing up personal assets for other uses
Products in this area can be structured for small businesses right through to large corporations with cost effective structures that maximize funding availability whilst supporting the goals of a business. Some of the basic parameters include:
- Lending up to 80% of the value of your debtors. In some instances this can be higher
- Lending up 90 days against debtors. Again in some instances this can be longer
- Facility sizes are set according to the needs and goals of a business
- Pricing is linked to the size and strength of a business, keeping it cost effective
Navfin has experience in arranging facilities that meet a business’s ongoing requirements whilst keeping the product as cost effective as possible. We also are conscious of any operational requirements placed on a business and work closely with our clients to minimize this impact.
Through Navfin you have access to all the major lenders products in this area and if you would like to know more please contact Navfin today. Note, full terms and conditions will be made available on application.
- Join us to achieve sustainable growth and reach your financial goals with the right strategies.
We handle corporate finance (mergers, acquisitions, working capital), business finance (loans, lines of credit, debtor finance), equipment finance (hire purchase, finance leases, chattel mortgages) and residential finance (home loans, refinancing, low-doc lending).
Typically, once we have all your documentation, approvals are secured within 5–10 business days—though complex deals (e.g. large commercial or development loans) can take slightly longer.
Most applications require:
Financial statements (bank statements, profit & loss)
Tax returns (last 1–2 years)
Identification (driver’s licence or passport)
Asset details for equipment or property being financed
Our broker fee is typically a one-off percentage of the loan amount—fully disclosed before you proceed. There are no hidden upfront costs, and you’ll receive a clear fee schedule along with your proposal.
Yes! We often refinance clients into better rates or more flexible terms, tapping our lender panel to find savings or structural advantages.
Contact us for a free initial consultation.
We’ll assess your needs and outline a tailored finance strategy.
Once agreed, we manage the entire application and approval process on your behalf.
FAQ'S Corner
frequently asked questions
Here are answers to some of our most common queries—designed to help you get the most from your NavFin experience.
call us now!
Mobile: 02 9954 4110