Hermes Cashflow Reset Facility Funding
Break the Short-Term Loan Cycle. Reset Your Cash Flow.
Consolidate expensive short-term business loans into one structured facility with manageable repayments and improved cash flow.
Many SMEs become trapped in a cycle of short-term business loans, daily repayment debits, and mounting cash flow pressure. Hermes Capital Reset Facility is designed to help businesses break that cycle by refinancing multiple short-term or fintech facilities into one structured loan with manageable monthly repayments and optional working capital support.
What is the Hermes Cashflow Reset Facility?
- A secured term loan (12–36 months) designed to consolidate cashflow-draining short-term debt, reduce repayment pressure, and reset the business on a 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
- Less drain. More control. Forward momentum.
Who is it for?
Hermes Capital Reset Facility is suitable for trading businesses that:
- Have multiple short-term or fintech business loans
- Are you experiencing cash flow pressure from high repayment obligations
- Need to replace daily debits with manageable monthly repayments
- Require additional working capital to support ongoing operations
- Have been declined by mainstream lenders because of fintech exposure
- Need a flexible commercial solution rather than a rigid bank product
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, security, and repayment capacity
3. Proposal
A structured refinance proposal is developed
4. Consolidation
Existing short-term facilities are 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 facility
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 loan commitments below to find out.
| 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.
Why Choose This Solution?
- Consolidate multiple short-term loans into one facility
- Reduce repayment pressure and improve cash flow visibility
- Replace daily debits with manageable monthly repayments
- Access additional working capital if required
- Flexible structures tailored to the business
- Commercially focused assessment process
Case Study
A Melbourne-based printing business employing 12 staff found itself trapped in a cycle of expensive short-term lending after one of its major customers collapsed owing a significant amount of money. To keep the business operating and meet payroll obligations, the directors took out a short-term working capital loan with daily repayments.
The facility solved the immediate problem—but created another. The daily repayments quickly drained the company’s bank account, leaving insufficient cash flow to cover monthly paper supplier invoices. As a result, the business was forced to take out a second short-term loan just to keep 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.
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. Despite the extra funding, the new monthly repayments were only around a third of the combined daily repayments the business had previously been making.
The result? Improved day-to-day cash flow, reduced financial stress, and an end to the cycle of relying on expensive short-term loans.
Why Choose Hermes
Experience
15 years funding SMEs in special situations
Flexible
Flexible and commercially focused approach
Complex Situations
Funding solutions for complex situations
Fast
Fast and practical decision-making
Solutions
Funding solutions where mainstream lenders may not participate
Hermes Capital specialises in funding Australian SMEs in special situations. We work with businesses that require flexible commercial solutions, particularly where traditional lenders are unable or unwilling to assist.
Our focus is on practical outcomes, strong security, and helping businesses move forward with sustainable funding structures.
Speak to Hermes Capital
Speak with our team confidentially about whether a Hermes Capital Reset Facility is suitable for your business.