Term Debt
Features:
Fixed or variable rate loan with a specified repayment term, typically used for financing long-term investments or capital expenditures.
Benefits:
Provides a lump sum of capital for large expenses, offers predictable repayment schedules, and may allow for flexible repayment terms.
Features:
Loan secured by commercial property, providing financing for real estate purchases, refinancing, or property development.
Benefits:
Enables long-term financing for property acquisitions, offers potentially lower interest rates compared to unsecured loans, and may allow for tax deductions on interest payments.
Features:
Subordinated debt with equity-like features, often used to finance growth initiatives, acquisitions, or leveraged buyouts.
Benefits:
Provides additional capital without diluting existing ownership and may include flexible repayment terms or equity participation.
Working Capital Solutions
Features:
Flexible revolving credit facility allowing businesses to borrow funds up to a pre-approved limit.
Benefits:
Provides access to working capital when needed, offers flexibility in repayment, and helps manage cash flow fluctuations.
Features:
Secured financing option where businesses leverage their accounts receivable as collateral to access immediate cash.
Benefits:
Improves liquidity by converting outstanding invoices into cash, accelerates cash flow, and reduces the risk of bad debts.
Features:
Financing solution where inventory serves as collateral, enabling businesses to access capital to purchase, produce, or store inventory.
Benefits:
Optimises inventory management, ensures sufficient stock levels, and supports business growth without tying up capital in inventory.
Features:
Various financial instruments (e.g., letters of credit, trade loans) facilitating international trade transactions, mitigating risks, and providing financing.
Benefits:
Facilitates smooth import/export operations, reduces transactional risks, and enhances liquidity for global trade activities.
Features:
Fixed-term loans with quick approval and repayment terms typically ranging from a few months to a year.
Benefits:
Provides immediate access to funds for short-term financing needs, such as covering operating expenses, purchasing equipment, or seizing opportunities.
Features:
Term loan specifically designed to cover short-term working capital needs, with fixed or variable interest rates.
Benefits:
Offers a lump sum of capital for ongoing business operations, supports growth initiatives, and provides predictable repayment terms.
Features:
Arrangements where suppliers extend credit terms to buyers, allowing them to delay payment for goods or services received.
Benefits:
Enhances cash flow by deferring payment obligations, strengthens supplier relationships, and may offer discounts for early payment.
Features:
Allows businesses to withdraw more funds than available in their account, up to a specified limit, to cover short-term cash shortfalls.
Benefits:
Provides flexibility in managing cash flow fluctuations, offers immediate access to funds, and helps avoid bounced checks or declined payments.
Equipment Finance
Features:
Allows businesses to lease equipment for a set period, paying fixed monthly payments without owning the asset.
Benefits:
Preserves capital, offers tax advantages, enables access to state-of-the-art equipment, and provides flexibility in upgrading as needs change.
Features:
Financing arrangement where the lender purchases the asset and leases it to the business, with ownership transferring to the business upon completion of payments.
Benefits:
Provides ownership at the end of the term, offers tax benefits, preserves working capital, and allows businesses to spread the cost over time.
Features:
Lease agreement where the business leases the asset for the majority of its useful life, with options to purchase or return the asset at the end of the term.
Benefits:
Offers fixed monthly payments, preserves capital, provides flexibility in asset management, and may include tax advantages.
Features:
Allows businesses to unlock capital tied up in existing assets by using them as collateral for financing.
Benefits:
Improves liquidity, releases working capital, extends asset life cycle, and enables investment in growth initiatives without selling assets outright.
Features:
Financing arrangement where the business takes ownership of the asset immediately, with the lender taking a mortgage over the asset as security.
Benefits:
Provides ownership from the outset, offers fixed interest rates, preserves working capital, and allows businesses to claim GST and depreciation benefits.
Features:
Short-term lease agreement where the business rents the asset for a specific period, returning it at the end of the term.
Benefits:
Provides flexibility in asset management, avoids ownership risks, preserves capital, and allows businesses to access assets without long-term commitments.
Features:
Enables businesses to sell owned assets to a finance provider and then lease them back, unlocking capital while retaining asset usage.
Benefits:
Releases capital tied up in assets, improves liquidity, eliminates ownership responsibilities, and provides flexibility in asset management.
Features:
Financing solutions offered by equipment vendors to facilitate the sale of their products, often including leasing or instalment payment options.
Benefits:
Streamlines purchasing process, offers tailored financing solutions, provides access to specialised equipment, and may include maintenance or service agreements.
Self Managed Super Funds (SMSF)
Features:
Loans structured for SMSFs to purchase residential investment properties, such as apartments, houses, or townhouses.
Benefits:
Enables diversification of SMSF investment portfolio, potential rental income to support retirement savings, options for interest-only or principal and interest repayments, and potential capital growth over time.
Features:
Financing options available for SMSFs to acquire commercial properties, including retail spaces, offices, warehouses, or industrial units.
Benefits:
Diversifies SMSF investments beyond residential property, potential for higher rental yields, tax advantages through depreciation and deductions, and long-term capital appreciation.
Home Ownership
Other Loans
Personal loans offer borrowers a versatile financial solution with various features and benefits, empowering them to achieve their financial goals, manage unexpected expenses, or consolidate debts with confidence and flexibility.
