Working capital
Plan stock, sales timing and what remains after essentials.
BUSINESS AND FARMING
Capital that connects ideas to progress.
Find guidance on working capital, productive assets and cash flow before you decide.
BUSINESS OWNERS AND FARMERS
Plan money around your business cycle.
Understand when money comes in, what assets you need and how you will repay. This helps you ask better questions and avoid unplanned cost.
Use the calculator01
Where business and farming need support
Farming finance
Map the season, inputs, equipment and when production will be realised.
Small enterprises
Keep activity records, income and expenses so you can explain your business.
Productive assets
Ask about price, useful life, security and the repayment plan.
CHECKLIST
Ask three questions before signing.
What is the total cost?
Include interest, fees and insurance if applicable.
How do I repay?
Understand the schedule, payment route and what happens if you are late.
Where is my copy?
Keep all records and the support route.
Note
No specific product, rate or eligibility is confirmed on this website.
BUSINESS WITH A PLAN
A sale is not always cash in hand.
When customers pay later, a busy business can still struggle to pay today’s bills. Record when money is expected in and when payments fall due.
Buy what is needed
Plan stock, supplier costs and payment dates.
Sell and record
Separate paid sales from sales still owed by customers.
Collect on time
Follow up invoices and outstanding customer payments.
Prepare for the next month
Plan essential costs, debt payments and the next stock purchase.
Records that explain your business
Keep sales, expenses, outstanding invoices and equipment quotations. The branch confirms which records and reporting periods your project requires.
Explore budgeting tools →