Noosaville:

Brisbane Office:

BUSINESS FINANCE

Straight Talk, Clear Process and Free Business Credit Advice

BUSINESS FINANCE

Straight Talk, Clear Process and Free Business Credit Advice

ENTREPRENEURS

Financing your vision should be easy

One of the most difficult tasks that entrepreneurs face is convincing others of the viability of their vision. It can seem nearly impossible at times trying to secure finance, not just for their own business, but for their own needs too, such as mortgages, asset financing and most other types of lending.

We have also travelled down this road and are well placed to offer various options to entrepreneurs.

We know banks and know what is possible. We take the time to understand your business and build a sustainable relationship by helping you.

ENTREPRENEURS

Financing your vision should be easy

One of the most difficult tasks that entrepreneurs face is convincing others of the viability of their vision. It can seem nearly impossible at times trying to secure finance, not just for their own business, but for their own needs too, such as mortgages, asset financing and most other types of lending.

We have also travelled down this road and are well placed to offer various options to entrepreneurs.

We know banks and know what is possible. We take the time to understand your business and build a sustainable relationship by helping you.

BUSINESS OWNERS

A business loan can help reduce the pressure

There are a number of finance options available to business owners that cover everything from a commercial premises, to car and equipment costs. One of the biggest challenges when owning a business is ensuring you have enough cash flow to set up and run the business.

When unexpected costs arise, a business loan can help reduce the pressure.

A business loan provides security and additional buying power that can be used to grow your business. Whether you’re setting up a new business or looking to expand your offering, there are a number of loans available that suit businesses of varying sizes. Having access to sufficient funds shouldn’t stand in the way of your business’ potential, which is why you should speak to an adviser and find out what options are available to you.

BUSINESS OWNERS

A business loan can help reduce the pressure

There are a number of finance options available to business owners that cover everything from a commercial premises, to car and equipment costs. One of the biggest challenges when owning a business is ensuring you have enough cash flow to set up and run the business.

When unexpected costs arise, a business loan can help reduce the pressure.

A business loan provides security and additional buying power that can be used to grow your business. Whether you’re setting up a new business or looking to expand your offering, there are a number of loans available that suit businesses of varying sizes. Having access to sufficient funds shouldn’t stand in the way of your business’ potential, which is why you should speak to an adviser and find out what options are available to you.

TRADIES

We sort it out for you

If you don’t like banks because of paperwork, bank-speak, higher rates, missing work to suit bank hours, and general bad service, we might be just the thing you’ve been looking for.

Tradies have been the very backbone of the Australian economy for the last few generations. Despite this, banks pay less and less attention to their needs. Particularly with recently established tradies’ businesses, banks more frequently say “no” than “yes”. Their own needs are usually put before their customers, and hence the process of dealing with them has become harder and harder.

Our job is to take away all the hassle and paperwork, so that you can concentrate on what you do best.

TRADIES

We sort it out for you

If you don’t like banks because of paperwork, bank-speak, higher rates, missing work to suit bank hours, and general bad service, we might be just the thing you’ve been looking for.

Tradies have been the very backbone of the Australian economy for the last few generations. Despite this, banks pay less and less attention to their needs. Particularly with recently established tradies’ businesses, banks more frequently say “no” than “yes”. Their own needs are usually put before their customers, and hence the process of dealing with them has become harder and harder.

Our job is to take away all the hassle and paperwork, so that you can concentrate on what you do best.

DOCTORS & MEDICAL STAFF

Time is the most limited of all commodities

The medical profession has seen dramatic changes over the least 20 years. The time pressures on doctors and medical staff are more now than ever before. Hence searching for the best deal, knowing how your money is working for you, if at all, future investment in property, and any number of options can be bewildering and, all-in-all, a very time consuming process.

We take care of all this for you. There are special financing deals available to doctors from various lenders. We will go through all these for you and ensure that you get your own time back.

Time is the most limited of all commodities. We aim to give this back to you, so you can return to doing what you do best.

DOCTORS & MEDICAL STAFF

Time is the most limited of all commodities

There are a number of finance options available to business owners that cover everything from a commercial premises, to car and equipment costs. One of the biggest challenges when owning a business is ensuring you have enough cash flow to set up and run the business.

When unexpected costs arise, a business loan can help reduce the pressure.

A business loan provides security and additional buying power that can be used to grow your business. Whether you’re setting up a new business or looking to expand your offering, there are a number of loans available that suit businesses of varying sizes. Having access to sufficient funds shouldn’t stand in the way of your business’ potential, which is why you should speak to an adviser and find out what options are available to you.

FIND OUT WHAT LENDERS WANT

In commercial lending there is no “one size fits all” policy. Lenders will look closely at the following aspects of your business:

Your industry experience and past history of business success
A business plan, market and competitor analysis completed?
Your personal financials
and other debt
Your collateral (e.g. property)
as loan security
Purpose of the loan,
e.g. equipment

WHY DO BANKS TREAT SELF-EMPLOYED PEOPLE SO BADLY?

CLIENT STORY

EXPANDING YOUR BUSINESS

Paul runs a profitable signage firm with her wife Karen, which now employs eight people. They required finance to purchase a business premises so their firm could expand. Their cash earnings are good and they maintain a good lifestyle. However, their taxable income is quite low. This frequently acts against them whenever they have visited their bank branch to inquire about finance.

Australian Mortgage Corporation worked with them and presented a strong business case to various lenders to fully finance the purchase of commercial premises. This not only serves as the business HQ but has allowed them rent some of the office to help repay the loan on the business.

Finance was secured 75% against premises and the remainder (including stamp duty) was borrowed against their home. Within 5 years they plan to have no mortgage on their home and the business debt will be secured only against the premises.

CLIENT STORY

EXPANDING YOUR BUSINESS

Paul runs a profitable signage firm with her wife Karen, which now employs eight people. They required finance to purchase a business premises so their firm could expand. Their cash earnings are good and they maintain a good lifestyle. However, their taxable income is quite low. This frequently acts against them whenever they have visited their bank branch to inquire about finance. Australian Mortgage Corporation worked with them and presented a strong business case to various lenders to fully finance the purchase of commercial premises. This not only serves as the business HQ but has allowed them rent some of the office to help repay the loan on the business. Finance was secured 75% against premises and the remainder (including stamp duty) was borrowed against their home. Within 5 years they plan to have no mortgage on their home and the business debt will be secured only against the premises.

CLIENT STORY

REFINANCING A BUSINESS LOAN

Ben runs his own car detailing business just outside Sydney, NSW. He and Grace were trying to save up to buy a bigger house. Due to the existing car and business equipment loans, his ability to service a mortgage was reduced by his existing loan repayments.

He had already gone to various banks, but they had all turned him down because it wasn’t worth their while investing time to look for an alternative structure that may actually work.

He had already gone to various big name banks, but they had all turned him down because it wasn’t’ worth their effort thinking outside the box.

We helped him consolidate two of the loans and lengthen the term while still maintaining the tax and depreciation benefits, but crucially reducing his monthly outgoings. With a little rework of his existing facilities we managed to, not only get them a replacement for the existing loans at better rates and longer terms, but also Ben and Grace were able to purchase a bigger house for their growing family.

CLIENT STORY

REFINANCING A BUSINESS LOAN

Ben runs his own car detailing business just outside Sydney, NSW. He and Grace were trying to save up to buy a bigger house. Due to the existing car and business equipment loans, his ability to service a mortgage was reduced by his existing loan repayments. He had already gone to various banks, but they had all turned him down because it wasn’t worth their while investing time to look for an alternative structure that may actually work. He had already gone to various big name banks, but they had all turned him down because it wasn’t’ worth their effort thinking outside the box. We helped him consolidate two of the loans and lengthen the term while still maintaining the tax and depreciation benefits, but crucially reducing his monthly outgoings. With a little rework of his existing facilities we managed to, not only get them a replacement for the existing loans at better rates and longer terms, but also Ben and Grace were able to purchase a bigger house for their growing family.

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