The opportunity was there. The capital was not.

Most business owners have a version of this story. A contract they could have taken. Equipment that would have doubled capacity. A competitor's book that came up for sale. Stock at a price that would not come again.

The business was ready. The funding was six to eight weeks away, conditional on last year's tax returns, and secured against the family home. So the answer became no.

Paul Boyd Skinner has spent his career on the other side of that conversation. Through NoBnk he has settled hundreds of millions in funding for Australian businesses, working entirely outside the major banks. In this session he opens up how that funding actually works: what it costs, how fast it moves, what it is secured against, and which structure fits which growth problem.

This is not a lending pitch. It is a working session on capital structure for owners who intend to grow.

What we cover

The seven funding structures available to Australian businesses outside the banks, and the growth problem each one solves
How lenders assess your business on current turnover rather than historical tax returns
Funding against your debtor book, your contracts, your equipment and your commercial property
What genuinely fast settlement looks like, and what has to be true for it to happen
Options that do not require your home as security
Where ATO debt sits, and why it is not the automatic decline most owners assume
The real cost comparison: private lending against equity dilution, against the opportunity you passed on
How to structure funding so it supports the next stage rather than constraining it

Who this is for

Owners and directors of established Australian businesses with growth in front of them. You will get the most from the room if you are:

Turning over $250k p.a. or more
Carrying a specific growth plan, contract, acquisition or capital purchase you want funded
Frustrated by bank timeframes, documentation demands or security requirements
Weighing debt funding against bringing on an equity partner
Constrained by working capital rather than by demand

What you leave with

A clear view of which funding structures fit your business, what each one would realistically cost you, and what you would need to put in front of a lender to move. Paul takes live questions on real situations in the room.

Format

90 minute session with open question time, followed by refreshments and networking. Numbers are capped at 30 attendees to keep the discussion useful.

ABOUT THE SPEAKER

Paul Boyd Skinner, Founder, NoBnk

Paul founded NoBnk to solve a problem he watched play out repeatedly: good Australian businesses with clear growth ahead of them, held back by lending processes built for a different purpose.

NoBnk has since settled hundreds of millions in funding across unsecured business lending, debtor and trade finance, equipment finance, commercial property and development funding, working through private lenders and second tier sources rather than the majors. The business has grown almost entirely on referrals from clients it has funded.

Australian Credit Licence No 525666.

ABOUT INVESTORS FORUM

Investors Forum brings together owners and directors of growing Australian businesses for curated, high value conversations. Our events are deliberately small, deliberately practical, and built around people who are actively building something.

See https://investorsforum.com.au

Contact the host of Growth on Your Terms: Funding the Next Stage Without the Bank