Deposit Finance
Secure supplier orders without tying up your cash. Deposit finance covers the upfront payments required by suppliers so you can lock in pricing and delivery without depleting working capital.
Key Features
Upfront Funding
Finance the deposit required to secure supplier orders and production slots
Preserve Cash Flow
Keep your working capital available for operations while deposits are covered
Lock In Pricing
Secure bulk pricing and preferred delivery by committing deposits on time
Flexible Repayment
Repay when goods arrive and are sold, aligning cost with revenue
Recently Funded Deals
See what's possible with the right finance solution
*Based on real deals settled by Andorra Private. Details may be generalised for confidentiality.
Unregistered MIS — Industrial Warehouse Portfolio
The Scenario
A property syndicate structured as an unregistered managed investment scheme sought finance to acquire a portfolio of large industrial warehouses in regional Victoria.
The Challenge
The syndicate required non-recourse lending with no directors guarantees — a structure many lenders are unfamiliar with. Loan documentation needed to reflect the MIS trust structure correctly, requiring coordination between the client, their solicitor, and the bank's solicitor.
The Solution
We identified a major bank willing to provide a lease-doc facility on a non-recourse basis. We then worked closely with all parties — the client, their legal counsel, and the bank's solicitors — to ensure the loan contracts correctly reflected the trust structure and that no personal guarantees were required.
The Outcome
The facility was successfully arranged with a major bank. The syndicate acquired the warehouse portfolio with no directors guarantees, and all loan documentation was executed correctly on the first pass.
Non-Recourse
Structure
None
Guarantees
Lease-Doc
Facility Type
Major Bank
Lender
Client Testimonials
Hear from our satisfied clients
“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”
Rachael
Commercial Lending
“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”
P
Commercial Finance
“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”
ADS Rawal
Commercial Property
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Start ApplicationWhy Deposit Finance Matters
Many suppliers — particularly international manufacturers — require deposits of 30-50% before production begins. For businesses importing goods or placing large orders, these deposits can tie up significant working capital for months before any revenue is generated.
Deposit finance covers these upfront payments so you can secure orders, lock in pricing, and maintain production schedules without straining your cash position.
How It Works
A deposit finance facility provides funding specifically for supplier deposits. The lender pays the deposit directly to the supplier or reimburses you, and you repay the facility once the goods arrive and are converted to sales revenue.
Facilities can be structured on a per-order basis or as a revolving line that supports ongoing purchasing activity.
Ideal For
Deposit finance is used by importers, wholesalers, manufacturers, and retailers who need to place orders well in advance of sale. It is particularly valuable for seasonal businesses, project-based purchasing, and businesses scaling their order volumes.
We arrange deposit finance for businesses across consumer goods, building materials, automotive parts, electronics, and industrial supplies.
Discuss Your Deposit Finance Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
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