Secured vs Unsecured – Which Loan is Right for Me?

Many business owners will encounter great growth opportunities, or circumstances that require a little extra working capital to get through. We’ve all heard a variety of unsecured lenders advertising fast, hassle free funding both online and on the radio – is this the quick and easy option it seems? Essentially yes – however it is […]
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Invoice Finance – Transport Case Study

Having clients across multiple industries, with multiple scenarios means Flexible Capital requires an arsenal of solutions. On such customer, a small long haul transport operator, with a fleet off 4 trucks (and various trailers) has been experiencing growth. With this growth, comes the need to employ more staff, purchase another truck, and take on an […]
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Easy Ways To Imptove Your Discretionary Spending

A common concern with borrowers is the level of discretionary spend – this is the portion of your income you spend on ‘wants’ as opposed to ‘needs.’ Whilst we are definitely not advocating living a life of frugality (hey – life is for living!), there are some simple ways you can reduce your discretionary expenditure […]
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Preparing Your Business for Sale

Whilst Flexible Capital tend to deal with more business purchasers than business sellers, it is important to understand what your purpose for entering business is, and what your exit strategy will be. Some like the allure of being their own boss and working the hours that suit themselves, and others want to have a more […]
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Environmentally Conscientious Spending

Whilst we here at Flexible Capital are focused on finding you the best finance, we are also environmentally minded! Let’s face it – life can be expensive. The majority of people work to live, so we may as well live in a way that impacts the environment as little as possible. A few tips to […]
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Home Loan Health Check

In the current market, where rates are low (and anticipated to fall further), are you confident you are receiving the best deal for your property? Changes imposed by APRA (Australian Prudential Regulation Authority) have resulted in tighter lending criteria over the past couple of years in order to prevent a ‘property bubble,’ however in the […]
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What is Trade Finance?

The majority of businesses that purchase goods or services do so on terms. These businesses may then sell these goods either COD (Cash On Delivery – as the retail sector generally does) or on terms (as is commonplace in the construction industry). Either way, there is likely to be a ‘cashflow gap’ which means working […]
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To Demolish and Build, or Renovate & Extend?

When seeking finance, many home owners may be purchasing what they can afford in the present, with a view to make the property their dream in the future. This may be predominantly to secure a block, or the home may ‘have the bones’ to make something amazing. It is important to consider the fact that […]
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