There is a vast range of finance products to help businesses grow and get ahead.

A few examples are shown below:

Business Finance

Could be working capital in the form of an overdraft, finance to purchase another business or finance to buy out an existing share holder, just to name a few.

Commercial Property Finance

Want to purchase the building you are in, or purchase larger premises.

There are many lenders in this space, some are also leaving it and requiring the existing loans to be refinanced. Some will want regular reviews (normally annually) to make sure their exposure has not gone above a certain level.

Equipment Finance & Leasing

Why use your own cash or put your residential property at risk, when you can use finance in the form of a lease, chattel mortgage or rental agreement to purchase new equipment for your business.

This could be office equipment (computers, furniture, copiers), vehicles (cars, utes, trucks, trailers etc), other plant and equipment e.g. printing presses, excavators, forklifts, lathes, medical equipment to name a few.

Cashflow Finance (Debtor Finance, Invoice discounting, factoring)

If you have a business that moves product, or supplies resources such as personal on a time and material basis, the timeframe between when you have to pay for the product or pay the person, and when your invoice gets paid by the end customer can really affect your working capital and cash flow.

This facility can release 80-90% of the invoice value in a few days; with the remainder paid (minus fees) once the end customer pays. Imagine how you might grow your business with the extra funds available to you?

Commercial Lease Bonds

Tenants entering into a commercial lease typically have to provide some form of surety to the landlord to cover the risk of their defaulting on the lease or the landlord having to ‘make good’ the premises, before offering the premises to the market.

In the past, the surety was typically in the form of a bank guarantee issued by a bank with some form of security, such as cash in an account or line of credit/overdraft secured against assets. Either way, valuable working capital is being tied up that could be used to expand the business or pay down debt.

Commercial Lease Bonds replace the need to provide bank guarantees. Commercial Lease Bonds are issued by a leading rated insurance company (the ‘guarantor’) on an ‘unsecured’ basis. Additionally Commercial Lease Bonds are financially treated as being ‘off balance sheet’, so company financials are enhanced, as is the businesses ability to further borrow.

Short Term Funding

Sometimes there is a need for short term funds, perhaps up to 90 or 180 days only for a specific purpose and we have funders who will look at these.