Business and Cash Flow

Clarity, Strategy, and the Right Finance to Grow On

Business doesn’t move in straight lines. Sometimes you’re scaling up, sometimes you’re stabilising, sometimes you’re solving short-term cash flow problems just to clear space for long-term growth. But whatever stage you’re at, the right funding gives you options, and that’s where we come in.

At Vita, we specialise in helping business owners secure finance that’s built around their strategy, not just a bank’s template. Whether you’re buying a business, expanding your footprint, or just need a bit of headroom in your cash flow, we bring clarity to your options and help you choose the path that serves your next step, not someone else’s checklist.

This isn’t one-size-fits-all.

Its strategy, backed by numbers, with a structure that stacks up.

What We Help With

Here’s just a sample of the business finance solutions we work on regularly:

  • Business Acquisitions & Partner Buyouts

  • Practice & Client Book Purchases (Accounting, Financial Planning, etc.)

  • Working Capital & Overdrafts

  • Invoice & Debtor Finance

  • Expansion, Fitout & Capital Investment

  • Trade Finance for Importers/Exporters

  • Strategic Restructuring or Refinance of Existing Business Debt

  • And more (if it’s for a business purpose, we’ll explore it)

What Can a Business Loan Help With?

Let’s break it down. A “business loan” can mean a lot of different things depending on what you’re trying to do. It’s less about the label and more about what the funds are used for, and how we shape the deal to support that outcome.

Here are some of the most common reasons we help business clients access finance

  • Buying a business is one of the fastest ways to scale, diversify income, or take control of your industry's future. But it’s also complex. You’re not just borrowing against a property, you’re backing yourself against future revenue, goodwill, and often, the performance of a client book or fee base. We’ve helped clients with:

    • Accountant Partner Buyouts

    • Financial Planning Firm Purchases

    • Rent Roll & Real Estate Agency Acquisitions

    • Professional Practice Funding for medical, legal, and consulting firms

    In each case, it’s about more than getting a loan approved, it’s making sure the structure protects you, the projections make sense, and your plan is actually viable over time.

  • Every business goes through lumpy cash flow. You’re waiting on invoices, suppliers are early, staff need to be paid, and growth creates its own pressure. That’s where flexible, short-term lending can make a real difference.

    • Overdrafts - For short-term liquidity gaps

    • Cash Flow Lending - Based on revenue and performance, not just assets

    • Invoice Finance - Release funds tied up in unpaid invoices

    • Debtor Finance - Especially useful for service businesses like recruitment

    These facilities can keep your operations moving while you focus on the bigger picture. We help you assess the costs, risks, and use cases so you don’t just take what’s available—you choose what works best.

  • Ready to hire more staff? Open a new office? Buy equipment or invest in systems that improve productivity? These are the moments where strategic funding can move the needle.

    • Capital Expenditure Loans – For plant, machinery, or tech

    • Expansion Facilities – For hiring, marketing, or new verticals

    • Fitout & Renovation Finance – Especially in medical, retail, and hospitality

    We help you map out your return on investment, manage the repayment strategy, and pick a funding source that doesn’t cripple cash flow or compromise future lending potential.

Does It Support the Business Objective?

Here’s what we believe - every business loan should be built around a clear, measurable goal. Before we even talk lenders, we sit down and ask the hard questions:

What’s the money actually going to do?

How will it impact your cash flow, tax position, and future plans?

What’s the return? What’s the risk?

Can we build a structure that gives you options later, not headaches?

We’re not just chasing loan approvals, we’re building sustainable outcomes.

If the funding supports your growth, great. If it doesn’t stack up, we’ll tell you straight.

You’ll walk away from our conversation with either: a plan to proceed, with clarity and a strategy to wait, prepare, or pivot.

Either way, you’ll be better off than where you started.

The Right Finance Makes Things Possible

Most people think finance is just about the money. We know it’s about what the money allows you to do - grow, pivot, invest, or just take control of your future with less stress. Whether you’re making your first major move or you’re an established operator looking for smart leverage, we’ll bring the strategy, structure, and support to move you forward.

Let’s build a funding plan that gets your business where it’s meant to be. Book a strategy call and let’s get to work.