Finance is the Brains of a business that keeps it sustainable
Marketing is the Heart that connects products with customers
Operations is the Nervous System that makes the business function
Entrepreneurship is the Spirit that gives it life and longevity
General Business Finance
Starting a busines without capital is like driving a car without fuel
Without the funds to buy equipment, market your business and employ expertise, your business will probably fail.
You may have sufficient funds yourself or you may have one or more equity partners.
If not, then talk to us about other ways to funding your bsuiness.
Plant & Equipment Finance
Without the right equipment, you'll lag behind your competitors
There are many ways to finance plant and equipment. You should discuss your needs with your accountant or qualified finance advisor before seeking loans.
Once you have determined your requirements, talk to us about how to seek the best funders and rates.
Whilst it is great to have the best equipment, the decision to borrow must be weighed against your cash flow position.
If you're are not a bank, why would you fund someone else's cash flow
Slow payers and those who seek credit facilities from you are the cancer of your business. They tie-up valuable funds and strangle your cash flow.
It is unrealistic to think you need such customers and that you must give in to their credit requests.
The diplomatic way to satisfy everyone is to out-source customer credit facilities through invoice factoring. Talk to us about it. We'll explain it to you.
We arrange farm overdrafts, equipment loans and other rural finance needs
There are few businesses that are as seasonal as a farm. Primary Production requires considerable up-front expense payments long before their products are sold.
Finance is a key factor in running a farm. Talk to us about your needs.
Short-term Caveat Loans
Use assests you already own as security for secured loans at lower rates
Timing is never perfect in business. Sometimes expenses occur, and need to be paid, before income is received.
Our Caveat Loans provide short term finance at reasonable rates. The is rate is lower for a Caveat Loan as it is secured by an asset; usually a property.
Full Doc, Low Doc, No Doc
Self-employed or living on investments?
Loans to suit your circumstances.
Full Document Loan
Standard loans that require substansiated reports on serviceability
Low Document Loan
These loans are primarily for the self-employed and usually require just a declaration of income.
No Document Loans
Generally for the self employed who might not have financial information readily available. Borrowing conditions are often more stringent than for low doc loans.