Financial flexibility is essential in today’s fast-paced business environment. Whether you’re looking to stabilise your cash flow, invest in new opportunities, or manage seasonal fluctuations, having the right financial tools at your disposal can make all the difference.
At Crediflex, we offer a range of financing options designed to meet the diverse needs of New Zealand businesses. Here’s a closer look at how our flexible financing solutions can help you achieve your business goals.
Straight Term Loan: Stability and Predictability
A Straight Term Loan is a fundamental financial tool that offers stability and predictability. This type of loan comes with a fixed repayment schedule over a set period, typically with fixed interest rates.
The primary benefit of a Straight Term Loan is its predictability, which aids in budgeting and financial planning. Businesses can rely on consistent monthly payments, making it easier to manage their cash flow and avoid unexpected financial surprises.
This option is ideal for businesses looking to purchase long-term assets such as equipment or real estate. With a Straight Term Loan, you have the assurance of stable financial commitments, allowing you to focus on growing your business.
Seasonal Structure: Aligning with Business Cycles
For businesses that experience seasonal fluctuations, a Seasonal Structured Loan can provide much-needed flexibility. These loans are customised to align with your business’s seasonal cash flow patterns, allowing you to make larger repayments during peak seasons and smaller ones during off-peak periods, providing a repayment schedule that matches your revenue cycles. This is particularly beneficial for agriculture contracting with harvest seasons or forestry with end of year shut down periods.
You can maintain a healthier cash flow throughout the year by aligning your loan repayments with your income.
Equity Access/Capital Raise: Fuelling Growth
Equity Access or Capital Raising involves securing funds against existing assets already owned by the business, offering an advantage for businesses aiming to scale up or invest in innovation.
The benefits of raising capital is unlocking equity in the business’ tangible assets that can be reinvested into the business. This method is particularly useful for established businesses planning expansions or entering new contracts.
Revolving Facilities: Flexibility in Managing Cash Flow
Revolving Credit Facilities offer unparalleled flexibility in managing short to medium term financial needs. These facilities provide a line of credit, either for short term working capital requirements or medium term capital expenditure requirements. The primary advantage of revolving facilities is that interest is only paid on the amount drawn, making it a cost-efficient option.
The flexibility to make additional repayments without penalty or access undrawn funds quickly can help maintain smooth business operations.
Financial flexibility is essential for navigating the complexities of running a business. At Crediflex, we understand the diverse needs of businesses and offer a range of financing options to support your financial health and growth. Whether you’re looking for the stability of a Straight Term Loan, the seasonal alignment of a Structured Loan, access to Equity in existing assets, or the flexibility of Revolving Facilities, we have the solutions to meet your needs.
Our expert team at Crediflex is here to guide you through these options, providing tailored advice to help you choose the best financial strategy for your business. Don’t navigate the complexities of business finance alone. Contact Crediflex today to explore how our flexible financing solutions can help your business thrive
While every care has been taken to supply accurate information, errors and omissions may occur. The information in this blog provides general information and is not intended to be financial advice. You should consult a professional financial adviser before making any financial decision. You are solely responsible for any loss suffered from relying on information in this blog. This blog is for the use of persons in New Zealand only. Copyright in this blog is owned by Crediflex.
