Tax debt
Eligible business tax liabilities and the cash-flow plan after they are addressed.
Explore →Business funding built around the next step
Turn a business pressure point into a clear funding plan.
Flexible business-purpose funding for Australian SMEs managing tax liabilities, working-capital pressure or a growth opportunity.
When applications open, all funding will be subject to individual credit assessment, verification, documentation and final terms. Registering interest now is not a loan application or approval.
Indicative facility range
Up to 36 months*$50k–$200k
Business use onlyPay business tax liabilitiesTax debt
Keep the business movingWorking capital
Invest in the next stageGrowth
EnquiryReviewOfferFunding
Funding pathways
Choose the problem, then build the funding plan.
The product range is being designed to expand over time while keeping each funding purpose clear.
Working capital
Payroll, suppliers, inventory and timing gaps tied to genuine operating needs.
Explore →Growth
Equipment, people, systems, mobilisation and defined expansion initiatives.
Explore →R&D
Planned early funding for suitable Australian R&D companies.
Explore →What can the funding be used for?
Finance for real business needs.
The planned products focus on established businesses that need capital to resolve a current pressure point or invest in a credible commercial opportunity.
Business tax debt
Funding may be considered to pay eligible ATO or other business tax liabilities and provide a clearer path forward.
Explore tax debt funding →Working capital
Support payroll, suppliers, project timing, stock, seasonal cash-flow gaps and other genuine business operating needs.
Explore business loans →Growth & investment
Fund equipment, people, marketing, systems, expansion, product development or other approved growth initiatives.
Explore growth funding →R&D funding
Bring forward capital tied up in your R&D cycle.
For eligible Australian R&D companies, SME Capital Partners is developing funding from $100,000 to $1 million that may be advanced before the relevant company tax return is lodged or before an anticipated R&D tax benefit is received.
R&D Tax Incentive eligibility is self-assessed and subject to the Department of Industry, Science and Resources and ATO requirements. Funding is separate commercial credit and is subject to assessment, evidence and final terms.
Indicative R&D facility
$100k–$1m
01Review the company, R&D activity and expected funding position.
02Assess records, expenditure and the anticipated R&D benefit with your advisers.
03If approved, access business capital ahead of the tax return/refund cycle.
Funding by industry
Your sector changes the cash-flow story.
Explore tailored information for industries where project timing, payroll, stock, tax obligations or asset costs can create significant working-capital requirements.
Building & Construction
Builders, subcontractors and project-based contractors.
View construction funding →Civil & Excavation
Earthmoving, excavation and plant-intensive civil contractors.
View excavation funding →Hospitality
Cafes, restaurants, bars and venue operators.
View hospitality funding →Transport & Logistics
Fleet, freight, courier and logistics businesses.
View transport funding →Retail & Trade
Inventory-led retail, trade and supplier businesses.
View retail funding →Professional Services
Technical, consulting and project-based service firms.
View professional services funding →Built for established SMEs
When the business is viable, but cash timing is working against you.
Tax debt, a large project, expansion or a temporary cash-flow squeeze does not automatically mean a business lacks value. We assess the broader business position, intended use of funds and ability to meet the proposed facility.
1
Tell us what the business needs
Start with the purpose, amount and current trading position.
2
Provide key financial information
We may request financials, bank statements, ATO information and details of existing facilities.
3
Receive an indicative position
If the application fits our criteria, we will discuss structure, security, pricing and next steps.
Simple process
From enquiry to a funding decision.
When applications open, a short initial enquiry will help us understand the business before requesting a full document pack.
STEP 01
Enquire
At launch, provide the business and funding requirements through the initial enquiry process.
STEP 02
Review
At launch, the purpose, trading history and information required for a credit decision will be assessed.
STEP 03
Offer
If a future application is approved, proposed commercial terms will be provided before acceptance.
STEP 04
Fund
After final documentation and conditions are satisfied, any approved facility can be advanced.
Funding readiness
Prepare the file before applications open.
Use the readiness tool to check management accounts, cash-flow forecasts, liabilities and the funding purpose without submitting any credit information.
For accountants & advisers
Know a viable SME with a defined funding problem?
We are building a pre-launch professional network for accountants, tax advisers, R&D specialists and other advisers who want a clear future funding pathway for suitable clients.