Wherever Your SME is at, Let's Begin Right There

Commercial Lending & SME Advisory Services — Melbourne-based, Australia-wide

Sometimes ‘business as usual’ is thrown off-course: the 2020 global crisis changing the way lenders fund essential services, an unexpected business opportunity requiring fast action, the sudden loss of a major client, a management buy-out.

Or you may have ‘borrowed’ from funds allocated for tax debts, superannuation and so forth, and gotten your SME finances into an unsustainable tangle.

It’s times like these that smart, informed financial solutions, especially in a volatile financial environment marked by the 2020 crisis, can help you maintain business continuity, unlock opportunities and stay ahead of your competition.

It may mean introducing new measures to ease pressures around cash flow.

It may mean managing finances around complex mergers and acquisitions.

It may mean getting funding for and negotiating the purchase of a new business.

The right finance, the right strategy

Whatever the case, it’s important to match the intricacies of your business to the appropriate finance. And to have a strategy for the way the money is used.

Because having the right finance and financial strategy can make a huge difference to the success or failure of what happens next.

And this is what I am here to help you do.

My name is Sonja Pfitz of PFBS. I am one of Australia’s most experienced and accomplished women in the field of working capital, as well as other financial services for SMEs.

And with the rapidly changing financial environment brought on by the 2020 crisis, I am by your side to help you navigate the complexities involved.

Having connections to both the Big Four and alternative lenders, I can negotiate and obtain working capital finance, trade finance, asset finance and on your behalf, as required.

I also offer my unwavering support through my business advisory services, helping you through the challenges of right-sizing your business, mergers and acquisitions, orchestrating and managing boards and strategic financial planning and implementation.

I have built connections and trust with some of the best professionals, including corporate accountants, solicitors, valuers and others. Where necessary, I work with this hand-picked group of experts to support individual projects.

Unlocking remarkable opportunities with remarkable results

I have delivered countless outstanding results for my clients, including:

Implementing appropriate working capital facilities to help a transport and logistics company overcome the loss of 2 major clients—which almost halved their turnover. Despite the setback, with the right financial strategies in place, the next 3 years were a success: all employee’s jobs were saved, the business was rolled out nationally, and their annual turnover of $30m was restored.

Implementing a debtor finance facility for a labour hire company to enable them to meet ATO statutory obligations and fortnightly wages. And helping them increase their annual sales from a turnover of $4m to a $6m annual turnover over just one year.

Implemented a working capital solution for a manufacturing client to acquire a major competitor. Funding was obtained against the assets of the business being purchased. There was no need to extract cash from directors’ personal funds or their existing business.

The acquisition was a successful vertical integration: the acquired business’ staff was retained for cross-training into the products the existing business manufactures. And existing supplier arrangements of the acquired business were maintained.

This immediately increases my client’s gross revenues from $40m to $55m and maintains good margins and profits.

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Come as you are

Regardless of who you are of the situation you find yourself in, I am open, honest and non-judgmental. I work to develop a close, long-term working relationship with you, so I can guide you through the entire journey.

With me, there are no problems, only solutions. Sometimes, there are interim solutions to get to the end goal. Perhaps ones you may not have considered. Let me help you untangle the complexity of individual situations and tailor solutions specific to you.

Take advantage of my deep understanding of the specific challenges inherent in many industries including transport, wholesale, defense, manufacturing, printing, labour hire and more.

Experience the transformation

Getting your business finance back on track is a transformative process.

I have seen hundreds of my SME clients evolve and change the way they approach, sustain and grow their businesses.

Efficiency leads to effectiveness. And this leads to improved buying opportunities, securing new clients, improving profits and meeting objectives—while keeping the directors’ assets separated from the business.

Let’s get started

Let me help you meet your full potential too, so you can provide opportunities for others in your workplace and community.

So whether you need to secure funding or obtain an expert perspective on complex business issues, get in touch.

Expect to obtain value, expect to obtain insight, and expect a clearly laid-out path towards cash-flow solutions for your business.

Free Initial Consultation

Contact Us

in the strictest confidence

    Please fill out and submit the form and we will contact you within 8 business hours.

    (03) 9444 0042 | 0423 657 367
    PO BOX 262, ELTHAM, VIC 3095