©️ 2024, NWC FINANCE
A Trusted Partner
for Accountants
The financial solution your clients need.
With decades of experience, NWC Finance has worked closely with accountants to provide tailored financial solutions for their clients facing various financial challenges including insolvency, liquidation, and receivership.
Why Partner with NWC Finance?
After 20+ years in the business, we know how to evaluate your client’s situation and navigate any complexity quickly — so your client gets the finance they need on time with minimal stress.
Regardless of your client’s industry, we collaborate with businesses across all sectors – examples include:
- Mining
- Manufacturing
- Retail
- Construction
- Professional Services
- Hospitality
- Real Estate Services
Client Retention
Helping you retain long-term relationships with your clients.
Earn With Every Referral
Refer clients, earn commissions.
Geographic Spread
Australia and New Zealand Wide.
Empowering Your Customers With the Right Solutions
Quick Approvals,
Swift Funding
With in-house decisions made directly by our partners, and our independent structure, our senior sales executives and directors are empowered to make credit decisions on the spot, ensuring your clients can receive funding answers in as little as 30 minutes and even funding within 24 to 48 hours.
Our loan amounts range from $1M to $50M+, providing the immediate support your clients need to navigate time-sensitive scenarios.
Flexible Lending
Solutions
We offer loan terms ranging from one to six months, with the option for rollovers. Our tailored loan structures are designed to support businesses facing challenges such as ATO tax debt, director penalty notices, wind-up notices, and urgent cash flow needs, amongst many other complex financial scenarios.
With many clients leveraging us as the bridging finance they need to get their Tier 1 lending.
Cross-Collaterise
Security
Our criteria isn’t rigid. We’re able to provide tailored solutions where other lenders may not. Through cross-collateralisation, your clients can leverage a broader range of assets as security.
We can leverage almost any asset, including property types such as rural, residential, commercial, industrial, and vacant land, as well as plant and equipment, all titled assets, rent rolls, business value, and specialised security assets like boats and cars. This also entails both first and second mortgages.
Our approach ensures we assess the true value of your client’s assets, unlocking greater borrowing capacity while maximising equity.
Accountants Trust Us: Here’s How We’ve Helped
Interested in our capabilities?
Our real-world success stories demonstrate what we can achieve.
- Tax Debt
- Deed of Company Arrangement (DOCA)
- Director of Penalty Notice (DPN)
- Small Business Restructure (SBR)
- Wind-Up Notices
- And Much More
| Loan: | $2,000,000 |
| LVR: | 65% |
| Security: | Property |
| Term: | 1 month |
| Settlement time: | 4 days |
| Exit Strategy: | GST reimbursement |
Situation
A property investor, asset-rich but cash-flow poor, had purchased a substantial property but lacked the funds to cover GST at settlement. With an outstanding ATO debt preventing them from accessing additional financing, they needed a solution within five days.
Solution
After reviewing the client’s position, we leveraged our NSW property portfolio to secure $2M through a combination of registered first and second mortgages.
Outcome
We settled the transaction in just four days, allowing the client to pay the GST, complete the property settlement, and receive a GST reimbursement to clear their debt. This ensured they maintained a strong credit profile and could continue securing funding without obstacles.
| Loan: | $500,000 |
| LVR: | 65% |
| Security: | Second mortgage on property and charges on concrete trucks |
| Term: | 3 months |
| Settlement time: | 72 hours |
| Exit Strategy: | Refinance |
Situation
A concrete company owner had fallen behind on creditor payments and was on the verge of facing legal action. With the business in financial distress, traditional lenders were unwilling to provide a solution.
Solution
To resolve the matter at hand, the client entered into a Deed of Company Agreement (DOCA), negotiating reduced payments with creditors. Their accountant structured an agreement using our in-house facility to facilitate the payment plan via cash-out.
Outcome
We structured a cross-collaterised solution, securing a second mortgage on the client’s property and placing charges on the company’s concrete trucks. This enabled creditors to be paid, the business to be refinanced, and operations to move forth with improved financial stability.
| Loan: | $420,000 |
| LVR: | 65% |
| Security: | Second mortgage against two commercial properties |
| Term: | 3 months |
| Settlement time: | 4 days |
| Exit Strategy: | Refinance |
Situation
The director of a transport and logistics company received a Director of Penalty Notice (DPN) requiring payment within 14 days. Due to legislative changes, they could no longer place the debt on a payment plan. Hence, their accountant referred them to us– NWC Finance.
Solution
We acted swiftly, utilising a second mortgage against the director’s two commercial properties to raise the required $420,000.
Outcome
The result? The client successfully paid the notice and cleared their ATO portals. This allowed them to now seek financing from a mainstream lender.
| Loan: | $400,000 |
| LVR: | 65% |
| Security: | Second mortgage against a commercial property |
| Term: | 5 months |
| Settlement time: | 4 days |
| Exit Strategy: | Refinance |
Situation
A hospitality business was struggling with rising costs, declining sales, and mounting debt owed to their existing lender and suppliers. With guidance from their accountant– a trusted advisor for 10+ years, they leveraged a Small Business Restructuring (SBR) approach to avoid external administration.
Solution
A restructuring partner was appointed to develop a plan for creditors, incorporating two key aspects: financial restructuring and growth strategies. Our team served as the initial bridging finance partner to address the business’s immediate cash flow needs.
Outcome
Within six months, the restructuring plan successfully stabilised the business’s finances, improved profitability, and attracted new customers– setting the foundation for long-term success.
| Loan: | $33,000,000 |
| LVR: | 80% |
| Security: | 51 properties |
| Term: | 3 months |
| Settlement time: | 72 hours |
| Exit Strategy: | Partial portfolio sell-down, followed by refinance |
Situation
A client was placed into receivership after their first mortgagee refused to extend their facility, which was secured against a large incomplete development site. With the receiver unwilling to negotiate, the client’s entire property portfolio was at risk.
Solution
We stepped in to refinance the entire portfolio, clearing caveats, and assisting the client in completing stalled acquisitions.
Outcome
We secured mortgages across 51 properties and leveraged a second mortgage on an interstate property to achieve 80% LVR. Mortgage documents were issued within 48 hours, and the transaction was settled within 72 hours, allowing the client to resume operations.
Read more of our success stories here.
Our Four-Step Process
Our process is simple, focusing on fulfilling the immediate needs of your clients.
It’s that simple when you partner with us.