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KLASS BANK

Finance the next stage of the business

Separate a long-term investment from short-term working capital. Build the borrowing request around the cash flow that will repay it.

Compare your options ↓
Colleagues developing a plan at a whiteboard.
01 / EXPLORE

Find the arrangement that fits

Select an option to build your preparation list and a focused request to KLASS BANK.

Business term lending

An identified investment

Finance a defined investment with an agreed repayment period. Explain what the funding acquires and how it contributes to the business capacity to repay.

What to compare and prepare

Review instalments, security, covenants, fees and early-repayment terms.

  • Financial statements
  • investment cost
  • projections
  • ownership and existing debt

Working-capital credit line

An uneven cash cycle

Discuss a reusable facility for the gap between paying suppliers and collecting customer receipts. Explain the seasonal or recurring cycle and the expected peak use.

What to compare and prepare

Confirm the limit, drawing conditions, review date and repayment expectations.

  • Cash-flow forecast
  • receivables and payables ageing
  • peak requirement
  • existing facilities

Business property finance

Business premises

Discuss financing for premises used by the business or another eligible commercial property purpose. The property and repayment source are assessed together.

What to compare and prepare

Review valuation, equity contribution, security and property-related conditions.

  • Property details
  • purchase or refinance amount
  • occupancy
  • income and financial statements
Compare all options side by side
Compare the purpose and terms to review
OptionPrimary needTerms to review
Business term lendingAn identified investmentReview instalments, security, covenants, fees and early-repayment terms.
Working-capital credit lineAn uneven cash cycleConfirm the limit, drawing conditions, review date and repayment expectations.
Business property financeBusiness premisesReview valuation, equity contribution, security and property-related conditions.

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