Service · New branches · Markets · Product lines
Expansion funding matched to the plan.
Finance for new branches, markets or product lines, usually a mix of term funding and extra working capital, structured around how the expansion will earn.
What it covers
The common forms, and what each one is for.
BR
New branch or location
Fit-out, deposits, staff and stock for a new site.
MKT
New market
Entering new regions or channels, including working capital for longer credit cycles.
PRD
New product line
Equipment, inventory and launch costs for a new range.
Who it suits
Is this the right facility for you?
- Businesses with a proven model ready for a second location
- Traders entering new regions or channels
- Manufacturers adding a product line
- Service firms growing headcount and coverage
How lenders look at it
What a credit officer checks first.
01
Current performance
How the existing business is doing, because it carries the risk.
02
The expansion plan
Costs, timelines and when the new part breaks even.
03
Combined cash flows
Whether the whole business can service the new debt.
04
Working capital impact
Extra stock and receivables the expansion will need.
05
Security and contribution
What you bring in and what backs the loan.
06
Management depth
Who will run the new branch, market or line.
How we help
From your numbers to a facility you can use.
1
Cost the expansion
One-time costs and running costs, separated.
2
Split the funding
Term funding for assets, working capital for the cycle.
3
Build the file
Projections for the whole business, before and after.
4
Approach lenders
Shortlisted lenders, queries handled, through to disbursement.
Mistakes we see often
- Funding expansion from existing working capital and starving the core business
- Planning only capex and forgetting the extra working capital
- Expanding before the current unit is consistently profitable
Documents
What this file usually needs.
Lenders differ. We confirm the exact list for your case after the first call.
- Last 3 years' financial statements and ITRs
- Last 12 months' bank statements (all current accounts)
- GST returns for the last 12 months
- Expansion plan with cost estimates
- Sanction letters and repayment schedules of existing loans
- KYC of the business and promoters
Questions
Business Expansion Finance, answered.
Is expansion finance a separate product?
Usually it is a combination: a term loan for assets and set-up, plus an increase in working capital limits. We structure the mix.
Can I expand with an unsecured loan?
For smaller expansions, sometimes. Larger plans usually need secured term funding.
Do you help with the expansion plan itself?
We help cost it and test whether the numbers work, because lenders will ask the same questions.
Talk through your business expansion finance need.
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