Lock Finance Limited

Most growing businesses don't fail because of bad strategy. They fail because they run out of cash between paying suppliers and getting paid by customers.

Discover how two agri-entrepreneurs overcame 90-day payment terms and uneven shareholder assets by using invoice finance to unlock working capital, smooth cash flow, and fund sustainable growth — without putting personal guarantees on the line.

www.lockfinance.co.nz/case-studies/how-an-agri-importer-used-invoice-finance-to-turn-cash-flow-pressure-into-growth-power

How do you offer 60-day terms to win new clients when every shipment demands cash upfront?

That was the challenge a New Zealand freight forwarder faced. Their bank’s model couldn’t stretch to support it.

With the right funding structure, they found a way to grow their client base, keep cash flow intact, and do it all without pledging personal property.

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Invoice Finance | How a Freight Forwarder Used Invoice Finance to Offer Longer Terms and Win New Clients A New Zealand freight forwarding company wanted to attract more clients by offering longer payment terms. But the business model created a timing gap: freight, customs duties, and GST had to be paid upfront, long before customers settled invoices. With no tangible assets to secure against, the bank....