Capital Raise Finance Against Assets You Already Own.
Capital raise finance is money raised against an asset your business already owns outright, such as a vehicle, a truck or a piece of machinery. The asset becomes security for new funding, and the cash is yours to use in the business. It is new borrowing: the business takes on debt it did not have, secured against an asset it owned free of one.
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Capital Raise Finance Options
Broker vs bank,
a real comparison
Beyond standard lending
When your growth ambition exceeds what term loans and overdrafts can fund, capital raise structures offer an alternative path.
Options explored for your business
There's more than one way to raise growth capital, and the right fit depends on your business's situation. Your broker looks at what's available and talks you through it in plain terms.
Business stage alignment
Capital raise options differ by business maturity, revenue and what you're funding. We match the approach to your stage.
Guidance across structures
We're not tied to any funding structure. Our advice is based on what suits your business's goals and risk appetite.
The process
How Capital Raise Finance Works
Tell us about your growth goal
Share what you're trying to fund, your current business performance and your timeline.
We explore the options
We assess which capital raise structures are appropriate for your stage and situation.
Review what's available
We present viable options with structures, costs and terms clearly explained.
Move forward with confidence
We support the application and negotiation process through to completion.
Capital raise finance, explained plainly.
Step 1 of 5
Understand capital raise finance
Capital raise finance releases cash against an asset the business already owns outright, without that asset having to be sold.
The lender advances funds against the asset's value and registers an encumbrance over it as security. The asset stays yours throughout.
You keep using the asset exactly as before. What changes is that some of the value tied up in it becomes available to the business.
Why choose capital raise finance
Businesses often own equipment worth a great deal while having very little cash on hand. A capital raise is what turns some of that value back into cash.
It avoids the alternative of selling a working asset to fund growth, which usually means buying something similar back later at a worse price.
The funds are not tied to a single purchase, so they can go toward whatever the growth plan actually requires.
Deciding if capital raise finance fits
It fits where the business owns a substantial asset free of finance and has a use for the funds that will earn more than the borrowing costs.
If the asset still carries finance, a refinance that releases equity may be the more appropriate route to explore first.
There is more than one way to raise growth capital. Which one suits depends on the business, so it is worth comparing them before settling on one.
How to apply for capital raise finance
Identify the asset and confirm it is owned outright, then gather whatever shows its value and its condition.
You'll need your ABN, the trading history and a clear account of what the funds are for, because the plan is part of what is being assessed.
Your broker compares lenders and sets out the structures available in plain terms before you commit to anything.
Tips for capital raise finance
Be realistic about what the asset is worth to a lender rather than what it is worth to you. Those two figures are rarely identical.
Match the term to what the funds are being used for, so the borrowing does not outlast the thing it paid for.
Talk the plan through with your accountant before you commit, since releasing capital changes the shape of the balance sheet.
Capital raise finance at a glance
- Cash is released against an asset the business already owns outright
- The lender registers an encumbrance while ownership stays with you
- The asset continues in use exactly as it was before
- Funds are not tied to a single purchase, unlike asset finance
- One enquiry compares lenders before you commit to anything
Growth Finance for Ambitious Australian Businesses
Capital raise is a different kind of financing conversation. We approach it with an understanding of your business goals, not just your current balance sheet.
Get my quoteA Panel of Lenders
We compare business lenders across our full panel to find the right structure for your operational or growth funding needs.
Fast Assessment
Business loan applications assessed quickly. We aim for pre-approval the same day for straightforward applications.
Multiple Loan Types
Business term loans, overdrafts, lines of credit and capital raise options compared across the panel.
Self-Employed Friendly
We work with lenders who understand business income and assess applications with appropriate flexibility.
Clear Before You Commit
We set out the structure and terms clearly before you agree to anything, so there are no surprises later.
Broker Managed
From enquiry through to settlement, we manage lender communication and application paperwork.
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Get my quoteAbout the starting rate
6.00% p.a. is a starting point for estimating repayments only. It is not a quote, not an offer of finance, and not a rate available to every applicant. Your actual rate depends on the lender, the asset, the loan term, the loan amount and your circumstances. Adjust to model scenarios.
More Business Finance Options
Match the facility
to the cash flow.
A term loan, an overdraft and a capital raise solve different problems, and choosing the wrong one costs more than choosing the wrong lender. Your broker starts with the shape of the need.
Business Lending Guides
Written by a licensed broker for Australian businesses.
6 guidesBusiness loansUnsecured business loans, overdraft facilities and capital raise finance.Explore business loans
Capital Raise Finance: Funding Growth Without Property SecurityHow Australian businesses fund expansion without offering property as security, the debt structures available and what lenders assess.Business Overdraft vs Business Loan: Which Do You Need?The practical differences between a business overdraft and a term loan, how each structure works, and which funding needs suit which of the two.How Business Loan Assessment Works: What Lenders Look AtWhat Australian lenders actually assess on a business loan application, from trading history and bank statements through to serviceability and credit conduct.How Fast Can You Get a Business Loan in Australia?Realistic business loan timelines in Australia, how fast approval and funding actually happen, and what slows applications down.See all 6 business loans guidesWho we help
Who Uses Capital Raise Finance?
Scale-Up Businesses
Businesses that have proven their model and are ready to grow significantly.
Acquisition Buyers
Business owners looking to acquire a competitor, supplier or complementary operation.
Revenue Growth Businesses
High-revenue businesses looking to fund growth beyond what standard lending allows.
Management Buyout Teams
Management teams seeking finance to buy out existing owners or investors.
Restructuring Businesses
Businesses refinancing existing capital structures to better support their growth strategy.
Established Australian registered business
Demonstrable revenue and business performance history
Clear purpose for the capital raise
Acceptable business credit history
Detailed financial statements available for assessment
Capital Raise Finance FAQs
Capital raise finance lets you release cash against an asset you already own outright. For example, if you own a truck worth $200,000 with no finance owing on it, a lender can advance you funds against that value and register an encumbrance over the vehicle as security. It's a way to access money tied up in an asset without selling it.
Capital raise typically involves larger amounts, more complex structures and is used for strategic growth rather than operational needs. Lender criteria and deal structures differ significantly from standard term loans.
No. You keep ownership of the asset. The lender registers an encumbrance over it as security for the loan, but the asset stays yours and you continue using it as normal.
The amount depends on your business's revenue, assets, profitability and the purpose of the raise. We assess what's realistic for your business before you engage lenders.
Capital raise transactions typically take longer than standard loans. We advise on realistic timelines based on the structure and lenders involved.
Start with us. We'll assess whether debt-based capital raise is appropriate for your business and, if so, which structures to pursue. We'll also identify when you should involve an accountant or lawyer.