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Andrew Ward, Chief Risk Officer at Banjo - Business Loans, outlines how SMEs can navigate ATO debt challenges #SMEs #smallbusiness #tax #debt #taxdebt #startups #startupnews #scaleups #scaleupnews #australianfintech #fintech #finance #businessloans #businesslending #businessfinance

As SMEs find funding with private lenders having previously faced capital refusals elsewhere, we are galvanised in our perspective that when you take the time to learn why a business needs a loan, and provide funding when it facilitates meaningful cash flow requirements, you can turn a no into a yes in a way that’s sensible for all parties. https://lnkd.in/eaWaynZE #Finance #funding #Rivers #loans #SMEs

Last Week's Global Financing Summary Loan Structures An emerging trend from these transactions is the increasing convergence of traditional corporate lending with growth equity-style features. This hybrid approach, exemplified by Carbon Revolution's warrant-linked financing, allows companies to access debt capital while offering upside potential to lenders. As competition for quality deals intensifies, we may see more lenders willing to incorporate equity-like elements into their structures, particularly for high-growth sectors or companies approaching inflection points. Borrowers should be prepared to discuss these more nuanced financing options and understand their long-term implications on capital structure and stakeholder alignment. Key Transactions 1) Celestica's amended facility stands out for its comprehensive restructuring, extending maturities to 2029 and 2031 for different tranches while maintaining competitive pricing tied to SOFR. The new $750 million revolving facility and term loans provide Celestica with enhanced liquidity and financial flexibility to support its growth initiatives. 2) Atome Financial's facility, backed by EvolutionX Debt Capital, showcases the appetite for fintech lending in Southeast Asia, with the potential to expand to $100 million through an accordion feature. This structure allows Atome to scale its credit portfolio and launch new products across multiple markets. 3) Meanwhile, Carbon Revolution's agreement with Orion Infrastructure Capital for a $25 million release in tranches, tied to warrant issuances, illustrates how growth-stage companies in capital-intensive industries are securing funding while aligning investor interests with company performance. Tips For Borrowers 1) Consider longer-term facilities with staggered maturities to enhance stability and planning, as seen in Celestica's deal 2) Explore accordion features to allow for future growth without immediate commitment, similar to Atome Financial's approach 3) Leverage sector-specific expertise when selecting lenders 4) Be open to creative structures that align with investor interests, such as Carbon Revolution's warrant-linked tranches 5) Demonstrate clear use of proceeds and growth plans to attract the right lenders

Banjo - Business Loans to help SMEs navigate cashflow management #australianfintech #fintech #fintechnews #finance #financialtechnology #businessloans #businesslending #lending #loans #borrowing #businessfinance #SMEs #cashflow #cashflowmanagement

'A survey of more than 1500 small British businesses showed that (21 per cent) of SMEs plan to apply for a business loan. However, 18 per cent lack the data structure required to secure such funding.' https://lnkd.in/ed-cp2sc #Fintech #FintechNews #FintechFinance

Fifo Capital revamps its credit policy to address SMEs’ cash flow challenges #australianfintech #fintech #finance #businessloans #businesslending #lending #loans #borrowing #businessfinance #fintechnews #SMEs #credit #creditpolicy

Small businesses gets on top of debt despite ATO tax problems: Banjo - Business Loans #australianfintech #fintech #finance #businessloans #businesslending #lending #loans #borrowing #businessfinance #fintechnews

SMEs are the powerhouse of the British economy, but many give up the search for finance if rejected by their bank. Find out how a LendingCrowd #businessloan can help bridge the SME funding gap. #SMEloans #fintech #businessfinance

Banjo - Business Loans to help SMEs navigate cashflow management #australianfintech #fintech #fintechnews #finance #financialtechnology #businessloans #businesslending #lending #loans #borrowing #businessfinance #SMEs #cashflow #cashflowmanagement

Navigating the world of SME financing can be overwhelming. But the right choice can propel your business forward. Whether it’s traditional bank loans, government initiatives, or alternative financing, there’s a plethora of options to fuel your growth. Discover your options in the following article. And don't forget to seek professional advice to ensure you're compliant: #Compliance #SMEFinancing #BadvisoryZAcharteredaccountants https://lnkd.in/ezfRfwAK