Commercial Property Finance

We have access to over a dozen bank and non-bank lenders, which means we can offer you the best deals in the market place. We can ask each of these lenders to tender a package to suit your individual needs. We can sometimes even approach your own bank to negotiate better terms than they would offer you direct.

Most banks will only lend to 70% of the property value, we have lenders who are happy to go up to 85% of the property valuation in “suburban” areas.

We can look after Self Managed Super Fund loans too.

Contact us to talk about your Finance Options

Debtor Finance

Unlock the true cash flow potential of your business

In business, cash flow is king -- the foundation of growth, the key to new opportunities, the

Cornerstone of competitiveness. It keeps you in control.

Offering customers credit terms typically slows your cash flow cycle as you may be waiting anywhere up to 90 days for them to pay their invoices. In the mean time, you could be missing out on opportunities to increase stock, fill new orders or develop new marketing campaigns. You may be missing out on bigger profits because your cash is tied up in your unpaid receivables. Debtor Finance can help you unlock this hidden asset to grow your business.

What is Debtor Finance?

Quite simply, Debtor Finance is a working capital facility that is directly linked to the value of your unpaid receivables. It enables you to liberate the cash tied up in your debtor ledger to take advantage of new opportunities whilst maintaining your growth objectives.

Who is it suited to?

Debtor Finance is an effective financial solution for businesses that sell tangible goods on standard credit terms and have high growth prospects.

It’s a beneficial option for businesses experiencing:

• A period of rapid expansion
• Limited fixed assets to utilise as security
• Restricted liquidity
• Seasonal sales activity
• Slow paying debtors

Businesses of this nature usually suffer because traditional loans or overdrafts aren’t as flexible to cover working capital requirements.

How can Debtor Finance help your business?

A rapid source of funds allowing you to access your unpaid receivables as upfront cash, usually within 24 hours.

Maximise your profits -- opportunity to remove discounts or incentives for speedy payments. You could also take advantage of discounts offered by your creditors for paying early.

Real estate security is not required -- most business facilities require real estate security -- for many business owners this may be the family home. With Debtor Finance your receivables are the prime security, minimising the effect on your personal assets.

More control over your business -- reduces the age-old problem of slow paying debtors, allowing you to concentrate on your core business activities.

Contact us to talk about your Finance Options

Inventory Finance

Inventory Finance provides businesses with finance for the acquisition of stock for manufacturing or resale to their customers.

Our clients are typically profitable, well established, have current financials and annual sales of $3m or more.

Our clients include manufacturers, wholesalers and retailers who purchase stock from Australian or overseas suppliers. Finance is available for most new stock, ranging from raw materials and work in progress to finished goods.

What makes Inventory Finance unique is that the stock to be financed does not have to be pre-sold, invoiced and delivered. Additionally, our clients are not required to provide real estate security.

For manufacturers Inventory Finance is available in conjunction with Production Finance, or as a standalone finance facility.

Inventory Finance offers approved clients:

• A revolving line of credit with facility limits ranging from $400,000 to $2.0m.
• Individual draw downs from $50,000 and for terms ranging from 32 to 90 days.
• Funding inclusive of freight, customs and import duties and custom agent fees, where suitably invoiced.
• Additional term extensions to match the repayment to your needs on slower moving stock.
• No repayments until the conclusion of your nominated term.
• Clear and transparent pricing, with no annual line fees, account keeping fees or audit fees.

Contact us to talk about your Finance Options

Production Finance

Production Finance enables manufacturers to fund their outsourced production costs.

Production services financed include a wide variety of outsourced manufacturing, processing and refining costs that add value to goods for resale.

By financing these expenses your business is able to access a new source of working capital, increasing available production levels, whilst driving sales growth.

Suitable industries include textiles and clothing, furniture, food, building materials, electronics, petroleum and any other industries where manufacturers outsource a portion of their production processes.

Importantly, your business retains the freedom and flexibility to manufacture and transport raw materials and finished goods as normal.

Production Finance is available in conjunction with Inventory Finance, or as a standalone finance facility.

Importantly, Production Finance is available without any requirement for real estate equity, and there is no requirement for the stock being produced to be pre-sold.

Production Finance offers approved clients:

• A revolving line of credit with facility limits ranging from $400,000 to $2.0m.
• Individual draw downs from $50,000 and for terms ranging from 32 to 90 days.
• Funding is available inclusive of freight, customs and import duties and custom agent fees, where suitably invoiced.
• Additional term extensions are available to match the repayment to your needs on slower moving stock.
• The ability to finance all types of outsourced production processes, ranging from manufacturing, refining and processing costs that add value to goods for resale.
• No repayments until the conclusion of your nominated term.
• Clear and transparent pricing, with no annual line fees, account keeping fees or audit fees.
• Simple credit criteria and quick approvals.

Contact us to talk about your Finance Options