Our client

Greg has owned and operated a Queensland-based bed manufacturing and import business for over five years, specialising in electronic adjustable beds for the aged care and disability sectors. His business model depends on the ability to fund inventory orders in advance of delivery — a timing gap that can put significant pressure on cash flow during periods of strong demand.

The challenge

A surge in orders created an urgent need to fund a new product range, but Greg already had a short-term loan product in place, and his serviceability position made a straightforward application difficult. He needed someone who could navigate the complexity rather than simply submit an application and hope for the best.

The result

We built a detailed cash flow forecast that reframed Greg’s serviceability position for the lender — demonstrating that his business could comfortably service the new facility once the incoming orders converted to revenue. Based on this a $160,000 business line of credit was approved, giving Greg the flexibility to draw down against the facility as inventory orders required, rather than taking a lump sum that would attract interest from day one.

“Nadine did the hard work on the numbers and explained everything clearly to the lender. The line of credit has given us the flexibility we needed to take on bigger orders with confidence.”

— Greg, Bed Manufacturing Business Owner, Queensland