Finance for equipment, inventory, working capital and commercial property - structured around production cycles, supplier terms, customer payments and growth plans.
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Manufacturers and wholesalers often commit cash well before a finished product is sold or a customer invoice is paid. Raw materials, inventory, production, freight, warehousing and wages can all place pressure on working capital, even when sales are growing.
At 3LANE Finance, we help manufacturing and wholesale businesses across Sydney and NSW arrange finance that reflects the way their operations work. Whether you are purchasing machinery, funding stock, expanding production, acquiring commercial premises or managing the gap between suppliers and customers, we compare suitable options across our broad lender panel.
Different lenders assess margins, inventory, customer and supplier concentration, receivables, capital expenditure and security in different ways. We present your trading position and funding requirement clearly so lenders can assess the complete business rather than an isolated set of figures.
Manufacturing and wholesale finance requires an understanding of assets, stock, margins and the time between paying suppliers and collecting customer receipts. We structure the funding request around those commercial realities.
We compare options across banks, non-bank lenders and specialist asset, trade and working-capital funders. The appropriate lender and facility will depend on your business, security, cash-conversion cycle and intended use of funds.
We consider production lead times, inventory turnover, customer and supplier terms, gross margins, receivables and equipment requirements when shaping your finance application.
Lender appetite varies for equipment, stock, debtor-backed facilities and commercial property. We assess the complete requirement before approaching lenders whose policies and products are better aligned with your circumstances.
From initial assessment through to settlement, we coordinate the application, supporting information, lender questions and documentation. We can also review the structure as your production capacity, stock levels and funding needs change.
Manufacturers and wholesalers need finance that supports the full operating cycle - from purchasing inputs and holding stock through to production, distribution and customer payment.
We start by understanding where capital is tied up, how quickly it turns over and which assets or receivables may support the proposed facility. We then compare suitable structures rather than relying on one form of business lending for every requirement.
A suitable funding structure should reflect how cash moves through the business, the useful life of financed assets and the timing of supplier and customer payments.
We review your products, production or purchasing cycle, customers, suppliers, inventory, receivables, assets, security and the commercial purpose of the funding.
We assess whether equipment finance, working capital, trade finance, debtor finance, commercial property lending or a combination of facilities is appropriate, then compare relevant lenders and repayment structures.
We prepare and present the application, coordinate lender questions and keep the process moving through to settlement so you can remain focused on production, customers and growth.
Explore related services and industries we support.
Quick answers for clients comparing finance options.
We can assess finance requirements across a range of manufacturers, fabricators, processors, product suppliers, distributors and wholesalers. Available options depend on the business's trading history, financial position, industry, security and intended use of funds.
Potentially. Equipment finance may be available for machinery, production lines, automation, forklifts, vehicles and other business assets. The available structure will depend on factors including the equipment's age, condition, useful life, supplier and proposed use.
Potentially. Working-capital, trade, supplier or inventory facilities may be considered for raw materials and stock purchases. Lenders will generally assess the purchasing cycle, stock turnover, margins, customer demand and the business's capacity to repay.
Depending on your circumstances, the gap may be supported through an overdraft, working-capital facility, trade finance or invoice and debtor finance. We review the timing of supplier payments, production, sales and receivables before recommending a structure.
Potentially. Commercial property finance may be available for owner-occupied factories, warehouses and distribution facilities. Lenders will consider the property's type and location, valuation, available contribution, security and the business's serviceability.
Assessment commonly includes trading history, profitability, cash flow, margins, working-capital requirements, inventory turnover, debtor quality, customer and supplier concentration, existing debt, security and management experience. Requirements vary between lenders and facility types.
It may be possible where the business can demonstrate a credible funding requirement and repayment strategy. Lenders may consider historical performance, forecasts, confirmed orders or contracts, available equity, project costs and the owner's contribution
Options may be more limited without an established trading history, but some lenders may consider relevant industry experience, signed contracts or orders, available security, asset value, financial forecasts and the applicant's contribution. The complete proposal needs to be assessed.
Your initial consultation with 3LANE Finance is complimentary. In many cases, no separate broker fee is payable because we receive commission from the lender when finance settles. If a fee applies to a commercial or complex transaction, it will be disclosed and agreed with you in writing before we proceed.
Timeframes vary according to the lender, facility type, loan amount, security and the completeness of the supporting information. Straightforward equipment finance may be assessed more quickly than a multi-facility working-capital or commercial-property transaction. We confirm expected requirements and timing at the outset.
Whether you are upgrading equipment, funding stock, expanding capacity or purchasing premises, we will help you compare finance options structured around the way your business operates. Enquire about Manufacturing & Wholesale Finance
