How we help business and commercial clients.

Every business is unique, so we take the time to understand the ambitions and challenges of the businesses we work with. This enables us to provide them with the appropriate finance solution to fund their operational, working capital, growth and expansion activities.

UNDERSTANDING YOUR BUSINESS

COMMERCIAL MORTGAGES & BUSINESS FINANCE THAT FITS

 

Running a business is rewarding, challenging and time consuming, and every business has its own set of unique needs.

As such our commercial and business finance offering is built around the foundation of gaining a deep understanding of you and your business; of your business goals, objectives and ambitions; of your operations and how you run the business, and of what you want to achieve and why.

This enables us to understand how much capital your business needs to fund short-term operational activities, as well as the finance required to fund business growth and expansion. We can then provide the most appropriate finance solution that matches your needs, financial strength and profitability, and that is commercially sustainable.

–

OUR APPROACH

STEP 1: DISCOVERY AND NEEDS ANALYSIS

  • The ‘discovery ‘meeting focuses on understanding;
    • What you want to achieve and why.
    • Your funding requirements.
    • The dynamics, operations, financial strength and profitability of your business.
    • Any pre- existing funding structures.
  • Additionally it is an opportunity for you to understand how we work, ask any questions you may have and understand the process involved in securing your financing needs.

STEP 2: PREPARATION OF FINANCE PROPOSAL

  • Based on the information obtained in the discovery meeting we will prepare a ‘finance proposal’ to submit to our panel of lenders for consideration.
  • It will contain the business’ plan and profile, needs and objectives, credit history and other supporting documentation.

STEP 3: SOURCING THE SOLUTION

  • Our panel of lenders will evaluate the proposal to understand what the funds are being used for. In addition to evaluating the financial plans and profile of the business, they may also review the personal credit history of the business owner.
  • We then build an analysis of the options available – including finance costs, structure, terms and conditions, covenants and accessibility to bank resources and determine the best offer for your business.
  • We will then organise to present and discuss these recommendations with you, answer any questions you have and agree upon the most suitable solution.
  • The proposal will then be finalised with the chosen lender.

STEP 4: IMPLEMENTATION OF THE SOLUTION

  • Once the recommended solution is agreed upon, we manage and facilitate the process.
  • This will include preparing and submitting the application, documentation handling and requests, the approval process through to the facility being in place.
  • We ensure the transaction is fulfilled and capabilities are functioning.
  • We keep you informed and answer your questions at each progressive stage.

–STEP 5: BUILDING A PARTNERSHIP

  • We work with our business clients over time as they grow and navigate the challenges of running a business.
  • We provide ongoing support and advice to ensure established facilities remain the most appropriate and reflective of the business and its operations as well as being there to assist with future funding requirements.

FINANCE SOLUTIONS

Funding short-term operational business activities

Short term finance is structured around funding operational needs, including; Working Capital or Inventory Finance: Funds day to day operations such as wages, raw materials and covering overhead costs using inventory to secure a line of credit. Revolving lines of credit and overdrafts: Assists cash flow and financial management through seasonal and market driven peaks and troughs. Debtor Financing or Factoring: Provides funding against trade receivables book; and Trade Credit: Is where the supplier grants the business an interest free period before payment is required.

Financing longer term business growth and expansion activities

Long -term or fixed capital finance is used to finance the purchase of commercial assets, property connected to the business, acquisition and expansion and for financing improvements and fixed assets including plant, equipment, motor vehicles and machinery. Funding options include medium to long term loans structured around income generation from the asset and the useful life of the asset.

Asset Finance- Vehicle and equipment lease and hire purchase

The right type of asset finance can save businesses time and money and reduce the risk of owning obsolete equipment, and is used to finance, motor vehicles; machinery and equipment; new fit-outs and fixtures; and office equipment and technology. Considerations for businesses when asset financing including: capital requirements; cashflow management; tax outcomes; equipment life; technology; and the cost – benefits of ownership and return of equipment.

Asset Refinance

Effective refinancing and restructuring of an existing commercial facility or asset can lead to securing a more appropriate structure and better terms (interest rate, fees, security, loan term, repayments, flexibility etc.)

Our Awards