Cash Flow & Cash Out
Short-term bridging loans for business liquidity and equity release.
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When business momentum slows or opportunities arise unexpectedly, access to fast and flexible capital can make all the difference. At NWC Finance, we provide short-term funding solutions designed to improve liquidity, smooth over cash flow gaps, or release equity tied up in existing assets.
Whether you need working capital to cover operating expenses, fund a growth opportunity, or extract cash from property or investments, our team works closely with you and your advisers to structure the right solution, quickly and efficiently.
This page outlines how our cash flow and cash-out funding helps businesses maintain stability, seize opportunities, and move forward with confidence.
Our Lending Solutions for Cash Flow & Cash Out
Key Benefits
Speed When It Matters
At NWC, we define immediate funding as deals requiring settlement within five business days, often much sooner. That’s why we’re structured to deliver funds in as little as 24 hours. Our streamlined process is built to meet urgent deadlines, making it ideal for wind-up notices, restructures, and DOCA scenarios.
Adviser-Focused Approach
We work in partnership with accountants, lawyers, advisers, and brokers to protect and enhance your client relationships while delivering practical, time-sensitive bridging loans. Our industry-leading commission structures are transparent and paid promptly upon settlement.
Commercial Expertise
With over 20 years of experience in commercial bridging loans, NWC Finance specialises in complex and distressed scenarios across Australia and New Zealand. We understand the urgency and nuance of business-critical finance, and if you have a challenging deal, we’re ready to assess it with speed and clarity.
Recent Success Stories
| Loan: | $15,000,000 |
| LVR: | 65% |
| Security: | Property, Plant & Equipment |
| Term: | 6 month |
| Settlement time: | 5 days |
| Exit Strategy: | Refinance through the incoming primary lender |
Situation
A farming client urgently required finance to repay Suncorp and 40 creditors, as mounting incomplete repayment fees placed significant pressure on their operations.
Solution
NWC Finance structured a first mortgage facility secured against the client’s farm, Airbnb properties, and equipment, enabling full debt repayment and a seamless transition.
Outcome
The clients successfully retired, and the next generation took ownership of the farms. With Suncorp and 40 other creditors paid out, the family achieved a clean transition and long-term financial stability.
| Loan: | $8,500,000 |
| LVR: | 60% |
| Security: | Commercial property portfolio |
| Term: | 9 Months |
| Settlement time: | 4 days |
| Exit Strategy: | Sale of one asset and refinance through a major lender |
Situation
A Sydney-based commercial property investor required urgent funding after a major tenant defaulted, impacting rental income and causing cash flow strain across multiple assets. The client needed short-term liquidity to meet loan repayments, operational costs, and maintain portfolio stability.
Solution
NWC Finance structured an $8.5M first mortgage facility across three commercial properties in the Sydney metro area. The facility provided immediate working capital, allowing the client to manage cash flow and reposition the assets without being forced to sell under pressure.
Outcome
Within six months, the client secured new tenants and successfully refinanced the remaining portfolio with a major bank. The refinance allowed for reduced interest costs, restored cash flow, and long-term portfolio stability.
| Loan: | $4,200,000 |
| LVR: | 68% |
| Security: | Industrial property and business equipment |
| Term: | 6 Months |
| Settlement time: | 3 Days |
| Exit Strategy: | Refinance through an incoming lender |
Situation
A Brisbane-based manufacturing business required immediate cash flow support after rapid expansion outpaced their working capital. The client needed to pay suppliers and clear ATO liabilities while waiting for major invoices to be settled.
Solution
NWC Finance arranged a $4.2M short-term facility secured against the company’s industrial warehouse and plant equipment. The funds provided the liquidity needed to stabilise operations, meet short-term obligations, and maintain production schedules.
Outcome
The business regained stable cash flow and successfully refinanced the facility through a mainstream lender within six months. This allowed them to consolidate debts, improve cash reserves, and continue scaling with renewed confidence.
How to Get Started
Identify Your Client's Needs
Explore our range of lending options, and select the loan that suits your clients needs and/or requirements.
Contact Our Team
Connect with one of our experienced finance professionals who will assess your loan request and guide you through the next steps.
Call us today on:
AU and NZ +61 1300 560 187
Prefer to Apply Online?
Complete our online enquiry form, and one of our team members will review your submission and get in touch to discuss your commercial lending options.
Adviser Resources
Looking for resources to help your client? Access our information flyer and comprehensive company overview booklet which includes settled deals.
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When the ATO comes knocking, time is critical. Unresolved tax debt can quickly escalate into legal action, garnishee notices, or even business shutdowns. NWC Finance provides fast, non-bank funding to help businesses settle tax obligations quickly- buying time, protecting operations, and preserving options.
Investment Opportunities
We work in partnership with accountants, lawyers, advisers, and brokers to protect and enhance your client relationships while delivering practical, time-sensitive solutions. Our industry-leading commission structures are transparent and paid promptly upon settlement.
Property Acquisition
With over 20 years of experience in commercial lending, NWC Finance specialises in complex and distressed scenarios across Australia and New Zealand. We understand the urgency and nuance of business-critical finance, and if you have a challenging deal, we’re ready to assess it with speed and clarity.
Company Overview Booklet
Providing tailored lending solutions since 2004, NWC Finance specialises in flexible funding solutions for companies and corporate entities across Australia and New Zealand. With expertise in property and asset-backed lending, we provide access to immediate financial solutions when needed, including the ability to cross-collateralise multiple assets to maximise available equity and create efficient funding structures.
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