Commercial Real Estate Finance

What is a Commercial Real Estate Finance?

Like residential real estate finance, the commercial category is competitive among banks and lenders though the process can be somewhat more involved and complex.

Your business can make the most of acquiring new premises or commercial property to create excellent opportunities for growth as well as long-term investment. However, in contrast to conventional residential finance, there are many more variables.

A commercial real estate loan can be used for anything from retail to industrial, office complexes to aged care facilities, or hotels and apartments, and the finance can be used for buying land, property development or construction. Having the knowledge and experience of a Commercial Finance broker in your corner is imperative to ensure a smooth approval and settlement process.

Business or Franchise Purchase Loans

What is a Business or Franchise Purchase Loans?

Whether you are starting a new business or expanding an existing one or starting up a new one, it is crucial that finding the right finance product for your business or franchise is critical to your success.

The types of loan products on offer are as varied as the many types of businesses the lenders are financing. Choosing the finance product that is appropriate to your needs is just the starting point. Before a lender will approve your loan, they often require an extensive amount of documentation. They will require up to date information regarding numbers about things like cash flow, profitability, tax returns, sales forecasts and growth potential of the business. They will also want to know about your qualifications, your personal assets and liabilities, and how much you’ll be able to invest. It can often be a complicated and time-consuming process.

We can navigate you through the entire process, from selecting an appropriate loan, to compiling the application and obtaining final approval. We work tirelessly to stay up to date on available products and understand what lenders require for your application to help ensure you get your desired outcome.

Vehicle and Equipment Finance

What is Vehicle and Equipment Finance?

Small business owners are often left wondering as to how to get your hands on the equipment needed to grow, while still keeping the all-important cash flow and working capital?

Choosing the right equipment finance gives you a lot more benefits other than just preserving your day-today funds. Here’s how:

• Equipment can generate immediate income.
• Equipment Finance preserves working capital.
• Repayments let you budget more accurately.
• Loans are often secured by the asset so usually you don’t have to put your house on the line.
• There could be potential tax advantages  to consider.

What types of equipment can be financed?

Any plant or equipment that can help generate income for your business can usually be financed. Some examples are as follows:

• Motor vehicles
• Commercial vehicles
• Plant and machinery
• Agricultural equipment
• Computers, photocopiers and phone systems

Inventory Finance

What is Inventory Finance?

For many manufacturers, wholesalers or retailers, having stock on the floor is what keeps the business running.

Inventory finance is a short-term loan for purchasing stock in advance without tying up all your cash reserves. The products you buy act as the collateral for the loan, so you don’t have to use your assets as security. Then you pay back the lender once the stock is sold.

Inventory finance is a great strategy to preserve cash flow and working capital by allowing you to pay suppliers before you sell the goods. But the bonus lies in being able purchase more stock for your busier times, like Christmas. For anyone with something to sell it can really help boost sales volumes.

These types of loans traditionally are short term with loan time frames being between 30 to 120 days and the rates and fees can be higher, which can impact your margins. Finding a great product and terms to help you achieve your goals is essential. An important thing to remember is that lenders will want evidence of strong sales history and sound credit.

Working Capital Finance

What is Working Capital Finance?

Working capital finance is a facility that helps you grow your business by taking care of more immediate and day-to-day costs.

Having this type of financing means you have the capital to cover vital costs like ensuring cash flow, paying suppliers on time, or covering employees’ wages during slower periods. Furthermore, it also means you can have funds available when you need them to create growth and make the most of any opportunities when they happen. The money is on hand, when you need it, and usually you only start repayments when you have drawn down on it.

Unlike other business finance products, working capital loans can be used for many different purposes.