Case study

Andy’s Financial Arrangement success story

Loans & refinancing
Initial debt
Not specified
Outcome
Debts cleared
& two new trucks financed

Key Results at a Glance

Results that speak for themselves
Tax Debt
Fully Cleared
2
New Waste Trucks Financed
1
Tailored Loan Solution

The Challenge

Despite high demand for his services, compounding financial pressures from the pandemic left Andy trapped between managing historical debt and trying to fund future growth.

COVID Downturn Impact

Lingering financial disruptions from the pandemic created a severe backlog of business debt.

Mounting ATO Debt

Unpaid tax obligations to the ATO were draining working capital and causing significant administrative stress.

Stifled Business Growth

Despite high customer demand, a lack of available capital meant Andy was unable to purchase the trucks needed to service new contracts.

Cash Flow Bottleneck

Strained day-to-day cash flow made it impossible to both clear his tax arrears and invest in necessary equipment.

The Solution

After reviewing the company’s financials, we identified that separating his capital needs—using an unsecured loan for debt and specific finance for equipment—would provide immediate relief and a clear path to expansion.

Comprehensive business assessment

We evaluated the waste management company’s current cash flow, focusing on the urgent ATO debt and the potential revenue from new trucks.

Strategic funding plan

We provided a clear, actionable strategy combining an unsecured loan for immediate operational relief with targeted equipment finance.

Tailored solutions

We secured an unsecured business loan to instantly pay out the ATO debt and ease his daily cash flow constraints.

Equipment procurement

We arranged specific truck finance, allowing Andy to seamlessly purchase the two new vehicles required to meet his customer demand.

Why this approach worked

Getting started is easy and straightforward

Reason 1

Immediate Cash Flow Injection

By securing the unsecured business loan, we were able to pay off Andy’s overdue ATO debts immediately. This instantly removed the primary source of his financial stress and protected his working capital.

Reason 2

Unlocking Business Capacity

Instead of trying to fund expansion out of his own pocket, separating the equipment finance meant Andy could purchase two new waste trucks to service his growing customer base without crippling his day-to-day operations.

The Result

Andy successfully restructured his commercial finances, experiencing immediate relief from ATO pressures and business stress. The dual-finance outcome eliminated his cash flow bottleneck and provided the vital assets necessary to capitalise on customer demand and sustainably grow his company.

Before
After
Improvement
ATO Obligations
Overdue and highly stressful
Paid in full immediately
Immediate financial relief
Fleet Capacity
Insufficient to meet client demand
2 new waste trucks financed
Increased revenue and capacity
Cash Flow
Severely constrained by debt
Stabilised with an unsecured loan
Working capital restored
Business Outlook
Stifled by COVID-related arrears
Equipped and ready for expansion
Time and stress saved

Additional Benefits

A comprehensive approach to your financial recovery

Improved commercial credit profile through the clearance of ATO tax arrears

Ability to confidently tender for new contracts with expanded fleet capacity

Protected day-to-day working capital to ensure smoother business operations

Mental clarity and significantly reduced stress for the business owner

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Thanks for your help was helping me out with debt am was struggling financially sistuation

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My customer service specialist was very knowledgeable and supportive. She was very understanding and compassionate to my circustances. Sharon was extremely helpful and supported me through the entire process.

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I recieved amazing help from Sharon. She helped me combine all my debt and work out a repayment that worked best for me. As a stay at home mother of 2, struggling to find work while studying, this has been a massive relief off my shoulders

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Had the best experience with Jordyn, she has been so helpful and so easy to deal with. She really made something that seemed so hard feel so easy. 10/10 recommend

Matthew
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I am extremely satisfied with the service Kylie provided. When I first came to you, I was struggling feeling frustrated, depressed and carrying so much stress. There were times during this past month that I felt like giving up, going through so much left me with little energy or drive to keep gathering documents and moving forward. But I am so deeply grateful Kylie was there every step of the way. She patiently guided me, walked me through every part of the process, and gave me 100% support exactly when I needed it most. Thanks to her care and dedication, I was finally able to get everything sorted and signed off today. I truly recommend this service to anyone needing help. Thank you so much, Kylie Bennison keep up the amazing work! Honestly, you deserve a gold medal for the difference you’ve made. I appreciate you more than words can say 🙏🏽✨

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