We help businesses large and small find lending solutions for their needs, whether it’s purchasing a business, acquiring the necessary working capital, debtor finance or securing short-term funding. Importantly, we make it our business to understand your business, ensuring you’re properly prepared with all the information you’ll need to get the best terms and watch your venture thrive.

Cash flow is essential for a healthy business and sometimes you need a little help to keep things moving. Cash flow lending allows you to borrow funds against expected future revenue for business purposes, such as investing in new equipment or temporarily covering wages. We undertake a full analysis of your business to understand your position, determine how much you can borrow and put you in touch with a lender who can assist.

Often businesses require a cash injection to maintain operations, to pay for things like rent, utilities or inventory. Secured or unsecured, working capital loans come in a variety of shapes including term loans, business lines of credit, business credit cards and merchant cash advances. We’re here to determine the best course of action for you and provide multiple options to secure fast working capital finance through our panel of lenders.

Require new equipment for your business, or perhaps a new car or truck? Equipment finance is the ideal way to enjoy flexible access to capital for such purchases which are then used as security against the loan. We provide guidance on the many products out there and connect you to lenders who can advise how to best structure an equipment loan and take advantage of any tax benefits.

Commercial property can be an excellent high-yield investment however because it’s often perceived by lenders as riskier, rates may be higher than residential loans, with a larger deposit required. Whether you’re purchasing a commercial property for your business or as an investment, we can help demystify the many loan products available and advise how to structure a loan to get the most out of your investment.

Property development requires specialised lending products through banks and non-bank private lenders. Because every development project is unique, whether it’s a new build or expansion of an existing project, our financial solutions are specifically structured to meet the individual and often complex nature of both residential and commercial ventures.

Loans from private lending facilities (private individuals or companies) can be a fast, flexible and often more straightforward alternative to financing from mainstream lenders who are increasingly tightening their lending criteria. We can strategise the right private finance solution for your business needs, from starting or purchasing a business to working capital or purchasing a commercial property.

If you’re an entrepreneur with a high-growth venture-backed start-up struggling to meet the criteria for typical business loans, then rather than opting for equity investment, venture debt allows you to raise capital without setting a valuation or diluting your ownership stake. As these loans are highly specialised and not widely offered by lenders, our relationship with these niche providers is a valuable pathway to securing your venture debt.

If your business isn’t in a position to hold any debt, equity raising is sometimes a necessity for successful operation. Capital Architects has successfully raised funds for many clients through our extensive network of high-net-worth and family office investors. We are seasoned experts with a proven history in facilitating introductions and aiding strategic solutions for complex needs.