Would you like to speak to the someone who knows your story , will be your point of contact going forward and who can advise you if other banks have a special which could save you money?

If the answer to this is yes then a Broker is the better option as my number has not changed in over 10 years.

Once we know your background then you do not have to explain your position over and over again when your bank manager changes.

We have both Lo Doc and Full doc options

  • Business and Commercial Loans
    • These loans work in the same manner as a home loan
    • They can be fixed or variable
    • There is no offset account available with a business loan but you can have redraw
    • Loan terms vary depending on security
      • residential security will have a loan term of 25 to 30 years
      • commercial security will have a loan term of 15 years
      • unsecured of franchise loans will have a loan term in most cases in line with the lease agreement
  • Development loans
    • looking to develop some property
    • if its over 2 to 3 units most banks will request a business loan as their product
    • LVR (loan to value) ratios vary but in this market most banks are looking for 50 to 70% depending on circumstances
    • Some banks are requesting pre-sales of the units to repay the debt in full following completion
    • these types of loans will vary from bank to bank and may also be driven by their own internal appetite to enter into a development loan
  • Working Capital requirements (overdrafts and business visa cards) ·
    • Do you need working capital to help with business cash flow
    • We can help arrange this for you
    • It maybe in the terms of an overdraft , extension to your business loan or possibly a business visa card
    • you may only need it for a short period of time and there are products to suit this as well
  • Debtor / Invoice Financing
    • Debtor finance or Invoice financing uses your debtors to advance funds to you for working capital. This loan is then repaid from collection of your debtors and the process starts again. It is a live , ongoing product and can be useful if you don’t wish to use your house as security or there is insufficient equity to secure
    • This product may be a little more expensive than an overdraft but provides the flexibility you may require
  • Franchise Lending
    • Subway
    • Red Rooster
    • Domino’s
    • Chicken Treat
    • A number of banks will lend you 50 to 65% of the purchase price solely secured by the franchise and the rest you need to cover
  • Self-Managed Super Fund loans ( Company name or personal )
    • corporate or indivdual SMSF laons available
  • Lease . Hire purchase . Chattel mortgage
    • Vehicle finance
    • Equipment finance
    • Insurance loan
    • Lease Line – need to purchase multiple vehicles or do this on a regular basis
    • Plant and mahinery
    • Vehicles
  • Start up purch
    • in some cases we can arrange finance for your start up with a 50% deposit and the remainder unsecured. Conditions do apply and the loan is subject to verification but this may come in handy if this is what you are looking to do ,

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