Corporate Lending

Making it happen, side by side

Acquisitions, management buy-outs, re-structuring, investing for growth. These are pivotal events for any business, and almost always dependent on access to funding.

At Republic Trust Bank , we could help provide the finance your business needs to navigate these events in a more creative and flexible way than you might find elsewhere. Our people make this happen by spending time with our clients, their management teams and advisers – getting to know every aspect of the business. We use our expertise and judgement to tailor the right solution and we then commit to deliver, without ever over-promising.

With short reporting lines and access to key decision makers, customers choose us for the speed, flexibility and certainty we strive to deliver every time.

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Specialist finance for your next major milestone

With an experienced team of decision makers, including regional teams and experts in key sectors, we’re able to support a breadth of business situations with funding lines from $250,000 - $25m.

Typical scenarios and common funding requirements include:

  • Business mergers or acquisitions
  • Exits for private equity and retirement
  • General purposes, including capital expenditure
  • Funding growth and business development activities
  • Premises acquisition or refinance
  • Refinancing, restructuring and turnarounds
  • Working capital
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Facilities from Republic Trust Bank :

Commercial Loan

A senior debt product designed for established businesses requiring funding for growth, an acquisition, change of ownership or other general corporate purpose. Loan size is determined by a multiple of EBITDA or vacant possession value of an owner-occupied commercial property, with repayments coming from future cashflows of the business. 

  • Facilities from $1m - $15m
  • Term: typically 3 – 5 years
  • Repayment: amortising profile with interest-only periods and bullet options available
  • Security: senior all asset debenture. Parental and cross guarantees may also be required.

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"Republic Trust Bank have proven to be the ideal finance partner, able to combine significant experience in the sector with the ability to flex and structure the funding we needed."
Rob Asplin, Co-founder and Managing Director - CastleMill Equity Partners

Asset Based Lending

For businesses with substantial value tied-up in both hard and paper assets, our Asset Based Lending proposition can unlock that value to provide both immediate cash and on-going financial headroom.  A single bespoke funding solution designed around the specific characteristics and needs of each client, an ABL structure can replace existing complex facilities and puts the customer in control – only drawing funds when required.

  • Facilities from $250k - $25m
  • Core component: Invoice Discounting (revolving facility secured against both domestic and export trade receivables). Additional facilities: 
  • Inventory Finance (revolving facility secured against trading inventory, i.e. finished goods and raw materials)
  • Plant & Machinery Finance (term loan secured against specific items of plant and machinery)
  • Property Finance (term loan secured against specific property assets, typically a trading premises)
  • Cashflow Loan (amortising loan usually repayable over a period of 3 years)

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"We wanted to work with a funder that grasped our requirements, understood our market and appreciated the potential of this business. The Republic Trust Bank team did just that."
Richard Clay, Head of Finance, Stone Group

Here for you

Maintaining close working relationships with our customers is paramount, which is why our Client Managers are focused on small portfolios and tasked to make dealing with Republic Trust Bank as simple as possible. 

As members of USAFinance we are also committed to delivering our services in line with our Industry Code of Conduct, which is available here.

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