Bring your record to the financing conversation
Explain what you need, review your history and choose what to share with a licensed financial provider.
Prepare for the conversation
Your record. Your choice to share.Start with what your business needs
More stock, a new piece of equipment or the gap before an invoice is paid: each need has a different timing and cost.
Know what the money will do, when you need it and how repayments would fit your business’s everyday commitments.
- Stock and supplies
- Plan the purchase and when you expect to sell or use the stock.
- Equipment
- Consider the purchase price and ongoing costs of using it.
- Day-to-day cash needs
- Look at payment timing, supplier bills and existing obligations together.
Prepare a clearer financing conversation
Your business history helps explain the need. Check it before deciding what to share.
Define the need
Work out the amount, purpose and timing. Include the costs you’ll still need to cover while repaying.
Review your history
Look at customer collections, expenses and amounts owed. Check dates, sources and missing entries.
Review the request
Identify the provider and the information it needs. Choose the records and period you’re comfortable sharing.
Consider the terms
If a provider offers financing, read the full agreement and repayment schedule before accepting.
Look beyond the amount offered
An offer needs to fit your working day as well as your next purchase. Compare the full cost and obligations.
- Money you receive
- Check the amount that reaches you after any upfront fees or deductions.
- Total you repay
- Read the interest, fees and total repayment amount together. Ask about any charge you don’t understand.
- Repayment dates
- Check the payment frequency and how the schedule fits customer collections, stock purchases and other bills.
- Your obligations
- Review security or guarantees, late-payment consequences, early-repayment terms and who to contact if your circumstances change.
Your record helps explain your business
QymmoPay’s role is to help you organise your history and control what you share. A clearer record can support the conversation; it doesn’t promise approval.
The provider makes the decision
The licensed financial provider assesses an application, may request more information and decides whether to offer financing. It sets the rates, fees, repayment terms and agreement.
Read those terms before making a commitment.
Questions before you apply
Financing applications aren’t open yet. You can discuss your business needs with the team.
Discuss your financing needsDoes a complete record guarantee approval?
No. The provider assesses your application against its own requirements. It may ask for more information or decline the request.
Does sharing my record accept an offer?
No. Giving permission to share information is separate from accepting a financing agreement.
Who handles repayments or a dispute?
The provider’s agreement explains repayment arrangements and its support and complaints routes. Review them before accepting an offer.
Can I keep a record without seeking financing?
Yes. Understanding your business history is useful in its own right. Applying for financing is a separate decision.