1. Finance for your SME clients
/ClassicFG
/company/classic-funding-group
/classicfunding

2. About us
One of Australia’s leading non-bank finance companies
Flexible and smart finance solutions for business
Over 25 years of history and experience
Dedicated relationship managers
Client focused servicing model
Robust & Scalable Funding Structure
In-house Decision Making
Funded over
$1 billion
of assets
Over
3,000
customers

3. OUR PRODUCT PORTFOLIO
Debtor Finance
Trade Finance
Equipment Finance
Cash flow solutions and asset finance to enable businesses to grow and thrive

5. Types of Finance What we finance Secured Loan New Assets
Existing Assets
New Assets
Used Assets
Repay ATO Debt
Secured Loan
Rental
Sale & Leaseback

6. Eligible & Ineligible Assets
Minimum $40,000
Maximum $1,500,000
New or Used Trucks/Trailers/Earthmoving Vehicles
Solar/HVAC/Lighting Equipment
Cranes (mobile and fixed)/Lifting/Safety Equipment
Aircraft
Manufacturing/printing/packing plant
Technology
Boats
Scaffolding
Retail Fitouts
Gym Equipment
Stock and perishable assets
Software

7. Criteria Minimum Guidelines
Min 2 Years in Business 
Clear Equifax
Property Ownership
(residential or commercial)
or 20% equity
Serviceability
(Debt Service Coverage Ratio)
>0.8x
Meets balance sheet requirements
Working Capital Ratio >1.0
Gearing Ratio < 4.0
Positive Net worth
Meets any 2
If a Deposit is needed – it does not have to be CASH… other assets can be provided.

8. Rates depend on credit worthiness & term
From To
>$100K
48/60 months
9.15%
12.35%
36 months
9.65%
12.95%
<$100K
(min. $40k)
All Terms
11.05%
13.35%
Loading
Brokerage
Up to 3% brokerage applicable on base rates
Add 0.5% to base rate for extra 1% brokerage
Fit out %
(Commercial Only)
ATO Arrears %
(If not cleared with finance)
Sale & Leaseback %

10. DEBTOR FINANCE also known as Invoice Discounting
HOW IT WORKS
CFG fund 85% of the working capital tied up in existing invoices as well as new invoices when they are raised.
Customers are invoiced as normal. The sales ledger is uploaded to our online platform.
An advanced payment is made to the business, based on the value of the invoices uploaded, for use as needed.
When the customers pay, the advance is repaid and the remaining 15% of the invoice is passed on, less our fees.

11. DEBTOR FINANCE Reasons to use Repayment of other financiers
Capital raising, working capital, capital structure flexibility
Acquisitions, MBO’s
Repayment of shareholder loans
Repay ATO arrears
Assets
Trade Receivables
< 90 days old end of month
30-40% concentration limit
Details
Business to business sales on credit
Good proof of debt/delivery
$300,000 to $5,000,000 (drawn)
Up to 85% advance rate
12 month minimum term
Viable business

12. CUSTOMER REVIEWS

14. TRADE FINANCE Complements Debtor Finance when
Either import or source product in Australia
Supplier Payment before sale of product
Need for working capital

15. TRADE FINANCE
HOW IT WORKS

16. Why work with us
You’ll have a dedicated business development manager who is there to help you. They'll meet you as part of the accreditation process giving you the opportunity to get to know more.
A team focused all around you, providing you with a personal service
Fast credit application and approval process
Star Rewards program and competitive commission
Training and workshops to help build your team's finance knowledge
Regular functions and events