Unlocking Business Growth

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Discover how “Cash Flow Lending” can unlock business growth without the need for traditional collateral. Learn about General Security Agreements (GSA) and the Personal Property Securities Act 2009 (PPSA), offering opportunities for businesses with strong balance sheets and future cash flows to access lending facilities. Explore how businesses can leverage their performance and processes to stand out in the industry and secure financing without property collateral. Uncover the potential of Cash Flow Lending as a viable financing option for small businesses aiming to fuel expansion and achieve their growth goals.


Business security, also known as “Cash Flow Lending,” is more challenging to obtain, especially for small businesses. Businesses with strong balance sheets and future cash flows may be eligible for lending facilities without providing property or cash as security.


The “Business” as Security Borrowing secured with a General Security Agreement (GSA) but without property collateral indicates that a business has demonstrated performance and processes that set them apart from others in its industry.

The Personal Property Securities Act 2009 (PPSA) regulates security interests in persona I property, and the Persona I Property Securities Register (PPSR) is a registry for such interests.

The requirements include:

  • A General Security Agreement (GSA) covering the general assets of a guarantor, including property, movable property and business property.
  • A specific security agreement for designated goods.

For example, Key Choice Lending Pty Ltd and Key Choice Holdings Pty Ltd provide a General Security Agreement over all present and after-acquired properties.


In conclusion, Cash Flow Lending offers an innovative financing path for businesses to unlock growth without traditional collateral. By leveraging General Security Agreements (GSA) and the Personal Property Securities Act (PPSA), businesses with strong balance sheets and future cash flows gain access to lending facilities.

This viable alternative allows small businesses to fuel expansion, invest in new ventures, and achieve their growth goals without providing property collateral.

to explore the innovative financing path of Cash Flow Lending, where strong balance sheets and promising future cash flows grant you access to lending facilities without traditional collateral requirements.


The information provided in this blog is for educational purposes only and should not be considered financial advice. Always consult with a professional financial advisor or lender for specific lending decisions.

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