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, trade, wholesale, services and engineering.
- What we arrange
- Business 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
Funding for growth, acquisitions, new contracts and periods of financial pressure, structured around your trading cycle.
Commercial loans
Commercial property purchases, refinancing and term lending, with the security and covenants explained before you sign.
Working capital
Overdrafts and revolving facilities sized to the gap between paying suppliers and being paid, so profit turns into cash.
Asset & equipment finance
Vehicles, machinery and equipment through chattel mortgage, lease or hire purchase, keeping cash in the business.
Receivables & trade finance
Draw against unpaid invoices, or pay local and overseas suppliers now and repay once the goods are sold.
Advisory & restructuring
When the answer isn't another loan
Some businesses need a new facility. Others need their existing debt rebuilt, a clear cash plan, or someone experienced in the room with their lender.
We bring lender-side credit and risk experience to the owner's side of the table. That means we know how a credit committee will read your numbers, and we fix what needs fixing before they do.
Talk to us in confidenceDebt restructuring & refinancing
Consolidate and rebuild facilities that no longer fit, so repayments match how the business earns.
Businesses under pressure
Early, practical support when cash is tight, creditors are waiting or a lender is asking questions.
Lender negotiations
We prepare the case and sit beside you for annual reviews, covenant discussions and facility changes.
Cash flow & working capital
A Working Capital Review and forecast that shows where cash is tied up and how to release it.
Bank readiness
The Bank Readiness Score and a lender-ready information pack before you apply.
Growth & acquisition planning
A funding strategy for expansion, acquisitions or succession, built before the opportunity arrives.
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.
Contact
Book a confidential consultation
Tell us what is happening in the business. We respond within one business day.