Pathway Commercial Finance

What is it? Our business finance solution is a flexible funding option for small and medium-sized businesses (SMEs) that need quick access to
capital for growth, operational expenses, or expansion. Unlike traditional loans, this solution does not require specific collateral, such as invoices or
physical assets, making it accessible to a broader range of businesses.
How it Works:
Applications are reviewed quickly, and approval decisions are made in a fraction of the time it takes with traditional banks.
Once approved, businesses receive the funds promptly, allowing them to address immediate needs or take advantage of time-sensitive
opportunities. Unlike more restrictive forms of financing, businesses can use this funding for almost any purpose they choose—whether for
everyday expenses, growth initiatives, inventory purchases, hiring, or other operational needs.
Benefits to the Customer:
Fast and Convenient: With a quick and efficient application and approval process, businesses can secure funds when they need them most,
helping them stay agile in a fast-changing market.
Flexibility in Use: Clients have the freedom to use the funds as they see fit, whether for short-term cash flow needs or long-term
investments. This flexibility is critical for businesses that need customized financial support.
No Need for Collateral: This financing doesn’t require the company to use assets or invoices as security, making it especially useful for
service-based or asset-light businesses that don’t have substantial physical collateral.
Transparent and Flexible Repayment: Terms are clear, with no hidden costs. Repayment can be adjusted to fit business cash flow, giving
customers peace of mind that their loan terms are manageable and predictable.
Supports Growth and Stability: Businesses can maintain steady operations, manage cash flow during slower periods, and invest in opportunities without sacrificing day-to-day stability.
Ideal Customers: SME’s, Service-based or Asset Light Businesses, Growing or Scaling Businesses, Companies with Cash Flow Gaps.

What It Is: Asset finance is a financial solution that helps businesses acquire necessary equipment, machinery, or other assets without
the immediate need to pay the full purchase price upfront. Instead, they spread the cost over time through structured payments. This allows
businesses to access essential tools without straining cash flow, enabling growth and flexibility.
How It Works: The business borrows funds to purchase or lease assets, repaying over time while keeping cash flow intact.
Benefits to the Customer:
üImproved Cash Flow: By financing assets rather than purchasing outright, businesses avoid significant upfront costs. This frees up cash to invest in other areas, like expanding operations or marketing. Payment structures can be customized based on the client’s cash flow,
allowing manageable monthly payments over an agreed term.
Access to Better Equipment: Asset finance enables companies to afford higher-quality equipment, which might have been
unattainable with direct purchasing. Better tools often lead to improved productivity and service quality.
Tax Efficiency: Many forms of asset finance offer tax advantages, like potentially deducting leasing payments as business expenses and reducing the tax burden on profits. This is especially valuable for small and medium-sized enterprises (SMEs).
Avoidance of Depreciation Costs: With financed assets, especially those under leasing agreements, the business does not bear the
full brunt of depreciation costs, as it doesn’t own the asset outright. This can be particularly useful in industries where technology
changes rapidly.
Ideal Customers: Growing businesses in manufacturing, construction, logistics, or any sector needing equipment, technology, or
vehicles.