Empowering Growth
Through Smart Finance
Connecting businesses
& Non-Bank Lenders
WCP is a boutique consulting firm that specialises in Trade & Receivables Finance solutions, predominantly in the non-bank sector.
We partner with small to medium sized businesses that want to grow and scale their business without the red tape that typically comes with traditional banks.
Helping businesses
to improve their
working capital.
Whether your business is looking for additional funding to top up your existing arrangements or looking to refinance, we’re here to navigate you through the process so you can focus on your core business.
With close to 20 years combined experience in business financing and payments, we help maximise your growth opportunities by connecting you to the right partner.
Our mission is to help you access simpler, better, and faster financing solutions. Contact our team today if you have any questions.
What Is Trade Finance?
Trade Finance is an umbrella term that includes a range of financing tools such as Payables Finance, Receivables Finance, Reverse Factoring, Purchase Order Finance and Stock Finance.
In Australia the term Trade Finance is commonly known as Payables Finance, a revolving line of credit to settle your invoices with domestic and international suppliers with up to 180 days repayment terms across Banks and non-Bank Lenders.
Using trade finance allows businesses to request higher volumes of stock or place larger orders with suppliers, leading to economies of scale and bulk discounts.
A trade finance facility may allow you to also offer more competitive terms to both suppliers and customers, by reducing payment gaps in your trade cycle. It is therefore beneficial not only for business growth, but also for supply chain relationships.
Put simply, Trade Finance can be an effective financing instrument to scale & grow your business, enhance supplier relationships, increase margins via early payment discounts, reduce your working capital requirements & preserve cash in your business for longer.
Why Use Trade Finance?
Late payments from debtors, bad debts, excess stock, and demanding suppliers can have detrimental impacts on a businesses’ cashflow & working capital.
By proactively managing your cashflow and working capital, your business can unlock additional cash to enable growth, improve liquidity and help protect your supply chain.
Unlock additional cash to enable growth, improve liquidity and help protect your supply chain.
Unlock additional cash to enable
growth, improve liquidity and
help protect your supply chain.
What Is Receivables Finance?
Receivables finance, often called Invoice Finance or Debtor Finance, is a tool that businesses can use to free up working capital which is tied up in their customer’s unpaid invoices.
It is very similar to a secured overdraft but instead of using real estate assets as collateral, the business can use up to 85% of its unpaid invoices to release cash as soon as the invoice is created.
Why Use Receivables Finance?
Many SME’s in Australia face major challenges when debtors prolong their invoice payment for up to 90 days in many cases leaving sellers exposed and bootstrapped. By using receivables finance, it enables sellers to capitalise on growth opportunities and provides the flexibility to complement existing bank funding lines. By proactively managing your working capital, your business can unlock additional cash to fuel growth, improve liquidity and help protect your supply chain.