Commercial finance solutions built around the requirement
Commercial finance can take many forms. The right facility depends on what you are funding, how the business generates cash flow, the security available, timing and your wider financial position.
Winterfold helps bring those considerations together and identify a suitable way to approach the market.
Asset Finance
Finance for equipment, machinery, plant, trucks, vehicles, fleets and other business assets.
Commercial Property
Funding for owner-occupied and investment property purchases, refinancing and commercial development.
Working Capital / Cashflow Funding
Funding designed to support operating liquidity, debtor cycles, seasonal requirements, inventory and business growth.
Insurance Premium Funding
Spread eligible business insurance premiums across instalments rather than absorbing the full annual cost at once.
Surety Bonds / Bank Guarantees
Facilities supporting tenders, contracts, leases and other commercial obligations.
Business Acquisition Funding / M&A
Structured finance for business purchases, mergers, management and partner buyouts, and succession transactions.
Debt Advisory Services
Strategic support for refinancing, restructuring, lender negotiations and more complex debt requirements.
More than finding a lender
The structure of commercial debt can affect cash flow, flexibility and the business's capacity to invest in what comes next.
Winterfold works through the requirement from the outset: understanding the transaction, reviewing the financial position, considering potential structures and identifying lenders suited to the circumstances.
We then coordinate the application and lender process through to documentation and settlement, helping keep the transaction moving and the relevant parties informed.
Finance shaped around how your industry operates
Lender appetite and finance structures can vary significantly between industries. Asset values, contract terms, debtor cycles, seasonality and operating risk all influence how a requirement may be assessed.
Winterfold supports businesses across:
Mining & Resources
A core Winterfold sector, with finance across equipment, working capital, bonding, bank guarantees and business growth.
Construction & Infrastructure
Equipment finance, working capital, surety bonds and bank guarantees for contractors and project-based businesses.
Transport & Logistics
Fleet and equipment finance, insurance premium funding and working capital for transport and logistics businesses.
Agriculture
Finance for machinery, seasonal requirements and other capital needs across farming and agribusiness.
Healthcare & Medical
Funding for practices, fit-outs, medical equipment, property and business growth.
Professional Services & SME
Commercial finance for established SMEs and professional firms investing in growth, acquisitions, assets or working capital.
Mining & Resources
A core Winterfold sector, with finance across equipment, working capital, bonding, bank guarantees and business growth.
Construction & Infrastructure
Equipment finance, working capital, surety bonds and bank guarantees for contractors and project-based businesses.
Transport & Logistics
Fleet and equipment finance, insurance premium funding and working capital for transport and logistics businesses.
Agriculture
Finance for machinery, seasonal requirements and other capital needs across farming and agribusiness.
Healthcare & Medical
Funding for practices, fit-outs, medical equipment, property and business growth.
Professional Services & SME
Commercial finance for established SMEs and professional firms investing in growth, acquisitions, assets or working capital.
Frequently asked questions
What type of finance does my business need?
It depends on what the business needs to fund and how the facility will be used. An equipment purchase may suit an asset-backed structure, while operating liquidity may require a line of credit or another working capital facility. Winterfold reviews the requirement before considering the available options.
Can Winterfold compare bank and non-bank lenders?
Winterfold can assess suitable lender options based on the transaction and your circumstances. The lenders available will depend on the type of finance, borrower profile, security and lender criteria.
What information is needed to assess a commercial finance application?
Requirements vary, but lenders commonly consider business financials, cash flow, existing debt, the purpose of the finance, available security and information about the transaction or asset being funded.
Can existing business debt be refinanced?
Potentially. Refinancing may be considered where a business wants to review pricing, structure, security, maturity dates or its overall debt position. Whether refinancing is appropriate depends on the existing facilities and available alternatives.