Asset Finance
Asset finance is an excellent option for acquiring new assets while maintaining cash flow. Equipment finance allows you to utilise the latest technology and machinery without tying up your other assets. By using the equipment as security, you can finance, hire, or lease the latest models, ensuring your business remains competitive and efficient.
For many business owners, it can be frustrating to see their company generate profits year after year without those profits being reflected in their personal bank accounts or personal wealth growth. This often leads to situations where there isn't enough cash to pay yourself a healthy dividend or to cover tax bills in full. Additionally, moving cash from your business account can trigger tax implications you'd prefer to avoid.
When you're in this situation, the pressure mounts. You might find yourself working harder, going without proper pay, and worrying that your personal assets, like your family home, are exposed to business risks. If you've felt anxious about any of these outcomes, it's crucial to understand how asset finance can help.
Asset finance strategies can improve your tax position, enhance cash flow, and increase your access to cash within your business. This keeps your assets at arm’s length from business risks. By restructuring your financial affairs and using specialised facilities, you can unlock your business's potential to pay regular dividends back to yourself, significantly improving your personal cash flow and enabling personal investment opportunities.
Ready to boost your business with the right asset finance options?
Learn how we can help you secure the funding you need.
OUR SERVICES
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Residential Lending
Residential Lending can be overwhelming within such a competitive environment. With so many options in the marketplace, what is most suitable for you? We can take all the stress out of the process. With our simple yet thorough pre-qualification discussion we can let you know what your options are in very little time. Whether you are purchasing property, investing, refinancing, consolidating debt or something else, we can support you with the right solution for your situation.
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Commercial Finance
Commercial finance is not a standard home loan process. Depending on the nature of the transaction there will be different requirements before simply lodging an application. We have extensive experience with commercial loans. Whether you are embarking on a development project, building your commercial property portfolio or growing your business we can cater for all scenarios. Our very thorough pre-qualification process will ensure you are focused on the right solutions from the beginning.
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Business Cashflow Lending
Cashflow lending is a type of debt financing, in which a bank lends funds, generally for working capital, using the expected cash flows that a borrowing company generates as collateral for the loan. To secure repayment, the bank covenants a borrower on such levels and ratios as EBITDA, total interest coverage ratio, total debt/EBITDA etc. They will take charge over your assets to provide the lender with the ability to take control of your cashflow in the event of default.
This is great way to secure finance when property security is not an option.
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SMSF Finance
An SMSF loan, or Limited Recourse Borrowing Arrangement (LRBA), allows you to use funds within your self-managed super fund (SMSF) to acquire investment properties. By borrowing through your SMSF, you can purchase assets like real estate or shares, with the loan secured against a single asset. This strategy helps Australians invest in residential, commercial, and industrial properties using their super funds.
SMSF loans offer significant benefits, providing control over retirement planning and enabling property investment. They offer diverse options, from residential to commercial and industrial properties, and can even be used to purchase business premises, providing long-term security for your operations. SMSF finance empowers you to manage retirement savings effectively while exploring property investment opportunities.
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Development Finance
Development finance provides specialised loans for residential or commercial projects, helping you undertake property development without substantial cash upfront. These short-term loans (6-24 months) cover land acquisition, construction, and renovation costs, whether building from scratch, converting, or refurbishing properties.
Key features include alignment with project timelines and flexible interest structures, often rolled up or capitalised to ease cash flow during construction. Development finance is ideal for developing property for resale, investment, or personal use.
