Purchase Commercial Property

Purchase commercial property for businesses to occupy or purchase for investment and cash flow purposes. Examples of acceptable commercial properties include, offices, retail shops, shopping centers, factories, warehouses, medical or professional suites, residential unit blocks (4 or more). Loan terms have be up 30 years, with interest only repayments of up to 5 years. Commercial property can be purchased within a Self Managed Super Fund (SMSF)

Purchase Commercial Property

Purchase commercial property for businesses to occupy or purchase for investment and cash flow purposes. Examples of acceptable commercial properties include, offices, retail shops, shopping centers, factories, warehouses, medical or professional suites, residential unit blocks (4 or more). Loan terms have be up 30 years, with interest only repayments of up to 5 years. Commercial property can be purchased within a Self Managed Super Fund (SMSF)

Purchase Commercial Property

Purchase commercial property for businesses to occupy or purchase for investment and cash flow purposes. Examples of acceptable commercial properties include, offices, retail shops, shopping centers, factories, warehouses, medical or professional suites, residential unit blocks (4 or more). Loan terms have be up 30 years, with interest only repayments of up to 5 years. Commercial property can be purchased within a Self Managed Super Fund (SMSF)

 

Debtor Finance

Funds rapid sales growth, assists companies expanding sales with outstanding debtor balance. Advance up to 85% of invoice value, administer the collection of invoices.

Debtor Finance

Funds rapid sales growth, assists companies expanding sales with outstanding debtor balance. Advance up to 85% of invoice value, administer the collection of invoices.

Debtor Finance

Funds rapid sales growth, assists companies expanding sales with outstanding debtor balance. Advance up to 85% of invoice value, administer the collection of invoices.

 

Trade Finance

Revolving line of credit to pay for local and overseas cost of goods. Allows the importer with 90 days to repay the lender, fund up to 90% of the cost of goods. Unsecured type of lending.

Trade Finance

Revolving line of credit to pay for local and overseas cost of goods. Allows the importer with 90 days to repay the lender, fund up to 90% of the cost of goods. Unsecured type of lending.

Trade Finance

Revolving line of credit to pay for local and overseas cost of goods. Allows the importer with 90 days to repay the lender, fund up to 90% of the cost of goods. Unsecured type of lending.

 

Unsecured Small Business Lending

Unsecured lending (no security required) – lend up to 80% of business turnover. Short to medium cash flow lending for small business, we can assist with the following types of small business.

  • Cafe Loan
  • Gym Loan
  • Tradie Loan
  • Retail Loan
  • Hairdresser Loan

Unsecured Small Business Lending

Unsecured lending (no security required) – lend up to 80% of business turnover. Short to medium cash flow lending for small business, we can assist with the following types of small business.

  • Cafe Loan
  • Gym Loan
  • Tradie Loan
  • Retail Loan
  • Hairdresser Loan

Unsecured Small Business Lending

Unsecured lending (no security required) – lend up to 80% of business turnover. Short to medium cash flow lending for small business, we can assist with the following types of small business.

  • Cafe Loan
  • Gym Loan
  • Tradie Loan
  • Retail Loan
  • Hairdresser Loan
 

Asset Finance

Chattel Mortgage, Financial Lease, Commercial Hire Purchase, Novated Lease available. Fixed over a 5 year period. Equipment finance to grow and run your business.

Asset Finance

Chattel Mortgage, Financial Lease, Commercial Hire Purchase, Novated Lease available. Fixed over a 5 year period. Equipment finance to grow and run your business.

Asset Finance

Chattel Mortgage, Financial Lease, Commercial Hire Purchase, Novated Lease available. Fixed over a 5 year period. Equipment finance to grow and run your business.

 

Overdraft

Secured and unsecured overdraft. Suitable facility for businesses for business to assist with trading conditions. Interest is charged on amount drawn, assists with smoothing cash flow and seasonal changes.

Overdraft

Secured and unsecured overdraft. Suitable facility for businesses for business to assist with trading conditions. Interest is charged on amount drawn, assists with smoothing cash flow and seasonal changes.

Overdraft

Secured and unsecured overdraft. Suitable facility for businesses for business to assist with trading conditions. Interest is charged on amount drawn, assists with smoothing cash flow and seasonal changes.

Secured Business Loan Assessment Process

A secured business loan assessment can be summarised into 5 key aspects. This assessment process is different from a residential mortgage credit assessment and an unsecured business loan. Into the following categories:

Management

  • Time management has been in the industry
  • Does the business have a history of being profitable
  • Has management undertaken due diligence (using accountants, solicitors)
  • Are the existing customers of the lender?
  • Credit record of the business (does the business have outstanding ATO debt, defaults)
  • Solid history of turnover

Transaction

  • Why is the client entering the transaction?
  • Does the transaction make sense for the business and the bank?
  • Will the transaction add value of the customer (bring additional revenue?)
  • If the purpose is to refinance, what was the original purpose of the funds?,

Serviceability

  • What financial data is used for the credit assessment
  • What are the resultant interest cover ratios and debt service rations?

Security

  • Type of security provided for the transaction? Residential property and or commercial property?
  • How is the security valued?
  • If 3rd party securities is offered, need to address commercial benefits to guarantors

Equity

  • Clients equity available as part of the exit strategy
  • What other assets are available as part of a debt reduction strategy

Your local Sydney mortgage broker Jeremy Harper, is waiting to hear from you today. With over 10 years of experience as a mortgage broker and as a Chartered Accountant, he is looking forward to assisting you with your business finance needs.


Click here to book a coffee consultation or you can call him on 0405 118 464 or email info@hfinance.com.au or use the contact form below.


Your local Sydney mortgage broker Jeremy Harper, is waiting to hear from you today. With over 10 years of experience as a mortgage broker and as a Chartered Accountant, he is looking forward to assisting you with your business finance needs.


Click here to book a coffee consultation or you can call him on 0405 118 464 or email info@hfinance.com.au or use the contact form below.

Secured Business Loan Assessment Process

A secured business loan assessment can be summarised into 5 key aspects. This assessment process is different from a residential mortgage credit assessment and an unsecured business loan. Into the following categories:

Management

  • Time management has been in the industry
  • Does the business have a history of being profitable
  • Has management undertaken due diligence (using accountants, solicitors)
  • Are the existing customers of the lender?
  • Credit record of the business (does the business have outstanding ATO debt, defaults)
  • Solid history of turnover

Transaction

  • Why is the client entering the transaction?
  • Does the transaction make sense for the business and the bank?
  • Will the transaction add value of the customer (bring additional revenue?)
  • If the purpose is to refinance, what was the original purpose of the funds?,

Serviceability

  • What financial data is used for the credit assessment
  • What are the resultant interest cover ratios and debt service rations?

Security

  • Type of security provided for the transaction? Residential property and or commercial property?
  • How is the security valued?
  • If 3rd party securities is offered, need to address commercial benefits to guarantors

Equity

  • Clients equity available as part of the exit strategy
  • What other assets are available as part of a debt reduction strategy

Your local Sydney mortgage broker Jeremy Harper, is waiting to hear from you today. With over 10 years of experience as a mortgage broker and as a Chartered Accountant, he is looking forward to assisting you with your business finance needs.


Click here to book a coffee consultation or you can call him on 0405 118 464 or email info@hfinance.com.au or use the contact form below.


Your local Sydney mortgage broker Jeremy Harper, is waiting to hear from you today. With over 10 years of experience as a mortgage broker and as a Chartered Accountant, he is looking forward to assisting you with your business finance needs.


Click here to book a coffee consultation or you can call him on 0405 118 464 or email info@hfinance.com.au or use the contact form below.

Secured Business Loan Assessment Process

A secured business loan assessment can be summarised into 5 key aspects. This assessment process is different from a residential mortgage credit assessment and an unsecured business loan. Into the following categories:

Management

  • Time management has been in the industry
  • Does the business have a history of being profitable
  • Has management undertaken due diligence (using accountants, solicitors)
  • Are the existing customers of the lender?
  • Credit record of the business (does the business have outstanding ATO debt, defaults)
  • Solid history of turnover

Transaction

  • Why is the client entering the transaction?
  • Does the transaction make sense for the business and the bank?
  • Will the transaction add value of the customer (bring additional revenue?)
  • If the purpose is to refinance, what was the original purpose of the funds?,

Serviceability

  • What financial data is used for the credit assessment
  • What are the resultant interest cover ratios and debt service rations?

Security

  • Type of security provided for the transaction? Residential property and or commercial property?
  • How is the security valued?
  • If 3rd party securities is offered, need to address commercial benefits to guarantors

Equity

  • Clients equity available as part of the exit strategy
  • What other assets are available as part of a debt reduction strategy

Your local Sydney mortgage broker Jeremy Harper, is waiting to hear from you today. With over 10 years of experience as a mortgage broker and as a Chartered Accountant, he is looking forward to assisting you with your business finance needs.


Click here to book a coffee consultation or you can call him on 0405 118 464 or email info@hfinance.com.au or use the contact form below.


Your local Sydney mortgage broker Jeremy Harper, is waiting to hear from you today. With over 10 years of experience as a mortgage broker and as a Chartered Accountant, he is looking forward to assisting you with your business finance needs.


Click here to book a coffee consultation or you can call him on 0405 118 464 or email info@hfinance.com.au or use the contact form below.