Funding fortnightly wages while clients pay on 30-day terms
Confidential debtor finance advanced 85% of invoices on day one, covering wages and PAYG arrears.
Sales grew from $4M to $6M.
Commercial finance · Advisory · Restructuring
Finance structured for the business you actually run.
Pfitz Financial is a full-service commercial finance broker and advisory firm for established Australian businesses. We arrange new funding, restructure debt that no longer fits, and advise owners through growth and pressure alike.
- Who we work with
- Established SMEs across manufacturing, transport, wholesale, engineering and services, and Defence suppliers.
- What we arrange
- Business loans, short-term secured and unsecured loans, commercial property, working capital, asset, receivables and trade finance.
- How we advise
- Debt restructuring, cash flow reviews, lender negotiations and bank readiness.
Commercial finance
Funding we arrange
One firm for the full funding picture, from a single equipment purchase to refinancing every facility the business holds.
Business finance
Access tailored business loans and commercial funding solutions to support business growth, acquisitions, expansion, new contracts or short-term financial challenges. Finance facilities are structured around your cash flow, trading cycle and business objectives to provide flexibility and support long-term financial stability.
Commercial loans
Secure commercial property finance for business premises, investment property purchases, refinancing or business lending secured against property. Loan structures, repayment terms, security requirements and lending conditions are tailored to your financial position and business objectives.
Working capital finance
Improve business cash flow with flexible working capital facilities, including business overdrafts, lines of credit and revolving credit facilities. Access funds to cover operating expenses, manage seasonal fluctuations and bridge cash flow gaps between paying suppliers and receiving customer payments.
Asset & equipment finance
Finance business vehicles, machinery, plant and equipment through chattel mortgages, finance leases or hire purchase arrangements. Spread the cost of essential business assets over time while preserving working capital and maintaining cash flow for day-to-day operations.
Receivables & trade finance
Improve business cash flow by unlocking funds tied up in unpaid customer invoices, giving you faster access to working capital without waiting for customers to pay. Trade finance provides funding to purchase stock, pay Australian and international suppliers, and manage import and export transactions, with flexible repayment structures aligned to your business's trading cycle.
Advisory & restructuring
When the answer isn't another loan
Not every business financial challenge requires more borrowing. Sometimes the solution is restructuring existing debt, improving cash flow, renegotiating lending arrangements or developing a clearer financial strategy.
At Pfitz Financial, we bring lender-side credit assessment, commercial lending and risk management experience to your side of the table. We understand how banks assess business performance, financial risk and borrowing capacity, helping you identify issues, strengthen your financial position and approach lenders with confidence.
Talk to us in confidenceDebt restructuring & refinancing
Review, restructure or refinance existing business loans and commercial debt to improve cash flow, reduce repayment pressure and secure more suitable lending arrangements. Align finance facilities, repayment structures and loan terms with your business's financial performance and trading cycle.
Business financial pressure & turnaround
Practical financial advisory support for businesses experiencing cash flow difficulties, mounting creditor pressure or concerns from their bank or lender. Identify the underlying financial challenges, assess available options and develop a clear action plan to stabilise operations and improve financial performance.
Bank & lender negotiations
Expert support when negotiating with banks and commercial lenders over loan renewals, annual reviews, financial covenants, refinancing or changes to existing facilities. We prepare your financial information, develop a clear lending proposal and represent your business in discussions with lenders.
Cash flow & working capital advisory
Understand where cash is tied up in your business through a detailed Working Capital Review, cash flow analysis and financial forecasting. Identify opportunities to improve debtor collections, inventory management, supplier payment terms and working capital efficiency to strengthen cash flow and reduce unnecessary borrowing.
Bank readiness & funding preparation
Improve your business's ability to secure finance with a structured Bank Readiness Score assessment and a comprehensive lender-ready financial information package. We review financial performance, borrowing capacity, cash flow, lending risks and supporting documentation to help position your business for a stronger funding application.
Business growth & acquisition funding strategy
Develop a tailored finance and funding strategy to support business expansion, acquisitions, succession planning or major investment decisions. Assess funding requirements, borrowing capacity, capital structures and future cash flow to ensure your business is financially prepared for its next stage of growth.
Our approach
The PFITZ Model
Our working capital framework. It shows a business exactly where it stands before a lender assesses it, so every application starts from strength.
Position of cash strength
Where cash actually sits today, not where the P&L suggests it should.
Funding structure
Whether current finance suits how the business operates.
Investment in working capital
Cash tied up in debtors, stock and work in progress, and how it got there.
Trade & cash conversion
How long money takes to travel from purchase to customer payment.
Zone of financial strength
The overall position the four pillars produce.
Strength
Stability
Pressure
The Zone is a diagnostic indicator. It is not a lending approval or a credit rating.
T · Trade & cash conversion
Every day in this loop is a day your business funds itself.
Most cash pressure in a profitable business sits somewhere in this cycle: suppliers paid early, stock held too long, or customers paying late. We measure each stage, then match the finance to the gap or shorten the gap itself.
Working Capital Assessment
A 10-minute self-assessment that gives your first Zone reading.
Working Capital Review
A facilitated session through each pillar, ending in a tailored Funding Blueprint.
Bank Readiness Score
A 100-point assessment for businesses preparing to approach lenders.
Leadership
Sonja Pfitz
Founder & Director
Sonja founded Pfitz Financial to give established businesses what she saw missing from the lender's side of the table: advice that starts with how the business really works.
She has more than 30 years across business finance, credit, risk, operations and SME advisory, including senior executive roles inside lending institutions. She has also built and run businesses of her own, so she reads financials the way both a credit committee and an owner would.
Sonja sets the firm's direction and its standards, and developed the PFITZ Model and Bank Readiness Score that underpin every client engagement. Her focus is long-term financial strength for Australian SMEs.
30+years in finance, credit and risk
Lender-sidesenior executive experience
Founderof the PFITZ Model
- Commercial finance
- Credit & risk
- Working capital
- Restructuring
- Financial analysis
- Governance & strategy
Client stories
What the work looks like
Real engagements, names withheld. Each started with a business under pressure or ready to grow.
Turning around a business after losing two major customers
With revenue down to $17.5M, we led a turnaround with the accountants and moved to trade and debtor finance.
Every job saved. Now operating nationally.
Restructuring several lenders into one funding strategy
A new financier retired existing lenders, using asset, trade and debtor finance to clear aged creditors.
Cash pressure eased and gross margin lifted.
Where do you go when the bank says no?
After the banks declined, debtor finance against department store receivables replaced shareholder loans.
Grew into a national and international brand.
Clients
Trusted by established Australian businesses
- Automotive
- Construction
- Labour hire/
Recruitment - Manufacturing
- Services
- Transport & logistics
- Wholesale
Manufacturing
Very personal service that banks don't provide
Kylie Evans, Owner, Trident Group of CompaniesRead testimonialSonja took the time to really look at our business and understand our needs and spoke to us with passion. She gives a very personal service that you don't receive from the banks.
Landscaping
Knowledge is priceless
Nick & Fran Forde, Sharp LandscapeRead testimonialSonja was fantastic to deal with. She is very realistic and on the ball with every aspect of our situation and she considers all avenues to get a positive outcome. Sonja is great at navigating the stress and difficulties when trying to get finance when you own your own business and her up-to-date knowledge is priceless.
Homewares
Helped grow our business
Robert Bekhazi, Director, Classica Pty LtdRead testimonialWe needed finance solutions and access to funds with products traditional lending providers do not offer. Sonja was able to help us secure credit in order to grow our business. Sonja is a professional who has become our go-to consultant for our business. I actually refuse to work with any financial provider unless Sonja is involved. She is always on our side, with our interests in mind. I 100% recommend Sonja Pfitz and her company and advise anyone wishing to improve or grow their business to contact her.
Engineering
Professional, caring and customer focused
Neville Wilson, MD, FDPI Pty LtdRead testimonialSonja is just Brilliant, Professional, friendly, caring and customer focused on the correct solution. I recommend your company with so much respect for the way you conduct business. Thank you so much.
Automotive
Efficient & knowledgeable
K. Hassett, MD, Pedders RockhamptonRead testimonialSonja is awesome to work with! She help us with our business loans and was quick and efficient and knows her stuff. We highly recommend Sonja to help with anything finance and look forward to working with her in the future.
Questions
Common questions about business finance
What does a commercial finance broker do?
A commercial finance broker assesses what a business needs, prepares the application and compares lenders to find a facility that suits how the business operates. Pfitz Financial also advises on structure, so the funding fits the business rather than the other way round.
What is business debt restructuring?
Debt restructuring changes the shape of a business's existing borrowing, for example by consolidating facilities, extending terms or moving to a lender that suits the business better, so repayments match how the business earns. Pfitz Financial assesses the current facilities, builds the case and negotiates with lenders on the owner's behalf.
When should a business get advice instead of a new loan?
When cash is tight despite steady sales, when a lender is raising concerns, or when existing facilities no longer fit the business. More debt can make these problems worse. An advisory review finds the cause first and then recommends restructuring, a change in working capital, new finance, or a mix.
Why is my profitable business still short of cash?
Profit and cash are different. Cash is often tied up in debtors, stock and work in progress, or the business carries finance that does not match its trading cycle. A working capital review shows where the cash sits and which facility, if any, will release it.
My customers take 30, 60 or 90 days to pay. What can I do?
Receivables finance, also called invoice or debtor finance, lets a business draw funds against unpaid invoices instead of waiting for customers to pay. It grows with sales, which suits businesses with long payment terms.
I need to pay suppliers before my customers pay me. What are my options?
Trade finance pays suppliers, locally or overseas, on the business's behalf and gives it time to sell the goods before repaying. It is used by importers, wholesalers and manufacturers.
How can I finance vehicles, machinery or equipment?
Asset and equipment finance spreads the cost of vehicles, machinery and equipment over their working life, keeping cash in the business. Options include chattel mortgages, finance leases and hire purchase.
What is the PFITZ Model?
The PFITZ Model is a working capital framework developed by Sonja Pfitz. It reviews five areas: Position of cash strength, Funding structure, Investment in working capital, Trade and cash conversion, and the resulting Zone of financial strength. It shows a business its position before a lender assesses it.
Who is Pfitz Financial for?
Established Australian small and medium businesses that need funding for growth, equipment, working capital, property or acquisitions, or that are under financial pressure and need a clear plan.
Insights
Latest from Sonja Pfitz
- Management buyout finance in Australia: how MBOs get funded
- How to plan for the Christmas cash squeeze in Australia
- Equipment finance for self-employed operators in Australia
- Business loan to pay tax debt in Australia before June 2027
Contact
Book a confidential consultation
Tell us what is happening in the business. We respond within one business day.