commercial loans
Meet the team
property finance
refinance
commercial smsf
Emmet Marsh
commercial development
property investment
talk to us about about your next chapter. whether it be securing investment for a commercial property, planning a development project or asset loan options we can assist. Whether you’re building a warehouse, retail park or a group of townhouses, we can help structure the funding solution and find lenders interested in your project.
COMMERCIAL LENDING OPTIONS
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TERM LENDING
Long term loans for larger business requirements, with loan terms of 15 – 30 years depending on whether commercial or residential security is being used. Term loans generally attract a better interest due to being secured by property.
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trade finance
Provides export operators with finance to cover the gap between selling goods and receiving payment and import operators with finance to cover the gap between buying goods and receiving the goods for sale.
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STOCK FINANCE
The lender loans you money to buy stock to sell, secured against the stock purchased. When you sell the stock, the lender is repaid the initial purchase price, plus the interest for the period the stock was held.
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ASSET FINANCE
Larger assets such as plant, robotics, equipment and vehicles, have a stand alone loan facility secured against the asset. There are different chattel mortgage and lease options available, that effect ownership and have taxation impacts.
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Debtor Finance
Also known as invoice finance or factoring, it involves a lender purchasing your outstanding debtor invoices. You generally get 80% upfront and the remainder when the invoice is paid, minus a fee. It can assist in increasing cash flow.
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Line of Credit
Line of credit facilities are revolving interest only loans secured by property. There is no fixed repayment amount and there is no end date. Monthly repayments are determined by the amount that has been draw down and the current interest rate.
