Hermes Cashflow Reset Facility Funding
Break the Short-Term Loan Cycle. Reset Your Cash Flow.
Consolidate multiple short-term business loans into one structured facility with monthly repayments aligned to the business’s capacity.
Many SMEs accumulate several short-term business loans, with daily repayments placing increasing pressure on cash flow. The Hermes Cashflow Reset Facility is designed to help businesses consolidate multiple short-term or fintech facilities into one structured loan, with monthly repayments and optional working capital to support ongoing operations.
What is the Hermes Cashflow Reset Facility?
- A secured term loan of 12–36 months, designed to consolidate short-term business debt, reduce repayment pressure and place the business on a more sustainable footing.
- Option to include a revolving trade line to keep suppliers paid and working capital flowing.
- Security can be a second mortgage or a first charge on unencumbered plant and equipment
- Facilities from $300,000 to $10,000,000
Who is it for?
The Hermes Capital Reset Facility mayb be suitable for trading businesses that:- Have multiple short-term or fintech business loans
- Are experiencing cash flow pressure from high repayment obligations
- Want to replace daily debits with monthly repayments
- Require additional working capital to support ongoing operations
- Have been declined by mainstream lenders because of fintech exposure
- Require a flexible commercial solution outside standard bank lending criteria
How the Cashflow Reset Works
1. Application
The business submits an application and supporting financial information
2. Review
Hermes Capital reviews the existing debt position, available security, and repayment capacity
3. Proposal
Hermes prepares a structured refinance proposal
4. Consolidation
Approved short-term facilities are paid out and consolidated into one loan
5. Working Capital
Additional working capital via an optional Hermes Tradeline may be included where appropriate
6. Transition
The business transitions from multiple repayments to one structured monthly facility
The indicative funding timeframe is approximately one week, subject to security, valuation, and documentation requirements.
See What Your Cash Flow Could Look Like After a Reset
Enter your current short-term loan commitments to estimate a potential consolidated monthly repayment.
| Name of Lender | Repayments | Frequency (Weekly or Monthly | Estimated Payout Figure |
|---|---|---|---|
Results
Total Loan:
Current Monthly:
Current Weekly:
Hermes Monthly:
Hermes Weekly:
Estimated Monthly Cash Flow Savings:
Estimated Weekly Cash Flow Savings:
That’s an additional per year in working capital.
This calculator provides an indicative estimate only and does not constitute an offer of finance. Final terms are subject to assessment, security, valuation and approval.
Potential Benefits of a Cashflow Reset
- Consolidate multiple short-term loans into one facility
- Move from daily or weekly debits to monthly repayments
- Reduce pressure on day-to-day cash flow
- Access additional working capital where appropriate
- Use a flexible structure developed around the business
- Receive a commercial assessment from an experienced lending team
Case Study
A Melbourne printing business employing 12 staff turned to short-term funding after a major customer collapsed while owing the business a significant amount. To keep the business operating and meet payroll obligations, the directors took out a short-term working capital loan with daily repayments.
Although the facility covered the immediate cash shortfall, the daily repayments soon placed further pressure on the business. The daily repayments quickly drained the company’s bank account, leaving insufficient cash flow to cover monthly paper supplier invoices. The business then took out a second short-term loan to meet wages and continue trading.
When the directors approached their bank to consolidate the debt, they were declined due to the presence of multiple short-term lenders on their credit history.
That’s when the broker introduced Hermes Cashflow Reset Facility.
Hermes structured a 24-month asset-backed loan that consolidated the existing short-term facilities into one affordable monthly repayment. The facility also included additional working capital to support ongoing operations.
The new monthly repayment was approximately one-third of the business’s previous combined daily repayments.
The new structure improved day-to-day cash flow, reduced repayment pressure and removed the business’s reliance on recurring short-term loans.
Why Choose Hermes
Commercial lending experience
More than 15 years of experience funding SMEs in specialist situations
Flexible structures
Commercial facilities structured around the business, available security and repayment capacity.
Complex funding scenarios
Experience assessing businesses with multiple lenders, fintech exposure or circumstances outside standard bank criteria.
Responsive decisions
A practical assessment process with clear communication and timely decisions.
Alternative funding options
Solutions for viable businesses that may not meet mainstream lending criteria.
Hermes Capital specialises in funding Australian SMEs in special situations. We work with businesses that require flexible commercial solutions, particularly where the circumstances fall outside mainstream lending criteria.
Our focus is on practical commercial outcomes, appropriate security and funding structures the business can service.