BUSINESS FINANCE

Financing Your Entrepreneurship

Helping you grow your business

Your Loan Solutions provides a comprehensive range of Business Finance products; whether you’re gearing up to start business, need finance to help you achieve your growth plans or need some short-term support to help you with cash flows.

Business Credit Card

Info

Business credit cards provide a simple method to manage small purchases and day-to-day expenses for your business.  If you’re able to settle your balance within the card’s interest free period you’ll be using a line of credit without paying any interest.   Some business credit cards may also be inked to rewards program – so based on the volume of your transactions they may provide significant discounts off other business purchases.

Overdraft Facility

Info

A bank account feature allowing you to draw funds from the account even when it has a zero balance. Overdraft facilities typically have will have a pre-determined limit which can range from $2,000 – $50,000 with larger limits sometimes secured by assets. Interest is charged on borrowing that exceeds the overdraft limit – and it can be paid back or drawn down at any time.

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Secured Business Loans

Info

These loans are provided for a fixed time period and are ‘secured’ by a physical asset that is owned by the business and has an assessable value. Common forms of collateral used to secure these loans are commercial property, vehicles, machinery or other equipment.   Pledging an asset as collateral reduces the lender’s risk (as they can take possession of the asset if you default on the loan) so they offer lower rates and longer terms.

Merchant Cash Advance

Info

A merchant cash advance provides an option to access quick finance, without a requirement to provide detailed financial documentation. It can also be an option if you have difficulty providing a strong credit history or score. It’s a loan facility where the amount that is loaned (or ‘advanced’) is determined by your business cash flow, sales and turnover. Merchant cash advances are often paid off on a daily basis as a share of your sales – rather than a typical fixed monthly loan repayment.

Equipment Hire Purchase

Info

These contracts enable you to purchase a piece of equipment over time from a lender. You can use it during the initial ‘hire’ period (although you don’t “own” it yet), then, when the last payment is made, ownership of the equipment is transferred to you. Hire-purchase agreements are flexible and can include initial deposits upfront (to reduce future repayments), ‘balloons’ at the end (lowering repayments but with a larger final lump sum payment), and options to return the  asset during the ‘hire’ period if it’s no longer required.

Line of Credit

Info

A line of credit is a standalone loan facility. It has a pre-determined limit, that can be drawn down or paid back at any time.    Like a credit card or an overdraft, interest is only charged on the amount, and for the period that line of credit is being used.

Debtor Finance

Info

This solution allows a business to use its accounts receivable ledger as collateral to secure funding. Debtor financing can suit businesses issuing high volumes of invoices, as a way to manage working capital and short-term cash flow challenges.  As a simple example, a debtor finance service may pay you 75% of your customer’s invoice value now, and pay the balance after  the customer has settled the invoice (minus the lender’s fee for providing the money to you up front).

b

Equipment Lease Agreement

Info

A lease is similar to a hire-purchase agreement, meaning you don’t have legal ownership of the piece of equipment. You have use of the item though ‘leasing’ it from the lender by paying a regular ‘rental’ fee. At the end of the lease period some agreements may give you the option of purchasing the equipment at its depreciated value, extending the lease period, or returning the equipment. It’s important to understand whether you or the leasing company are responsible for maintenance, registration and insurance costs.

Unsecured Business Loans

Info

Unsecured business loans aren’t backed by property, equipment or other forms of collateral. Lenders often use business cash flows and the applicant’s credit status and history to determine loan approvals. Loans tend to be short-term, typically from between 3 months to 3 years.

Equipment Loan / Chattel Mortgage

Info

With this loan the lender provides finance for you to purchase an asset and uses the asset as security if you fail to repay the loan. In this agreement you have ownership of the equipment from the point of purchase and repay the loan to the lender in line with the repayment terms.

Business Credit Card

Info

Business credit cards provide a simple method to manage small purchases and day-to-day expenses for your business.  If you’re able to settle your balance within the card’s interest free period you’ll be using a line of credit without paying any interest.   Some business credit cards may also be inked to rewards program – so based on the volume of your transactions they may provide significant discounts off other business purchases.

Overdraft Facility

Info

A bank account feature allowing you to draw funds from the account even when it has a zero balance. Overdraft facilities typically have will have a pre-determined limit which can range from $2,000 – $50,000 with larger limits sometimes secured by assets. Interest is charged on borrowing that exceeds the overdraft limit – and it can be paid back or drawn down at any time.

~

Secured Business Loans

Info

These loans are provided for a fixed time period and are ‘secured’ by a physical asset that is owned by the business and has an assessable value. Common forms of collateral used to secure these loans are commercial property, vehicles, machinery or other equipment.   Pledging an asset as collateral reduces the lender’s risk (as they can take possession of the asset if you default on the loan) so they offer lower rates and longer terms.

Merchant Cash Advance

Info

A merchant cash advance provides an option to access quick finance, without a requirement to provide detailed financial documentation. It can also be an option if you have difficulty providing a strong credit history or score. It’s a loan facility where the amount that is loaned (or ‘advanced’) is determined by your business cash flow, sales and turnover. Merchant cash advances are often paid off on a daily basis as a share of your sales – rather than a typical fixed monthly loan repayment.

Equipment Hire Purchase

Info

These contracts enable you to purchase a piece of equipment over time from a lender. You can use it during the initial ‘hire’ period (although you don’t “own” it yet), then, when the last payment is made, ownership of the equipment is transferred to you. Hire-purchase agreements are flexible and can include initial deposits upfront (to reduce future repayments), ‘balloons’ at the end (lowering repayments but with a larger final lump sum payment), and options to return the  asset during the ‘hire’ period if it’s no longer required.

Line of Credit

Info

A line of credit is a standalone loan facility. It has a pre-determined limit, that can be drawn down or paid back at any time.    Like a credit card or an overdraft, interest is only charged on the amount, and for the period that line of credit is being used.

b

Equipment Lease Agreement

Info

A lease is similar to a hire-purchase agreement, meaning you don’t have legal ownership of the piece of equipment. You have use of the item though ‘leasing’ it from the lender by paying a regular ‘rental’ fee. At the end of the lease period some agreements may give you the option of purchasing the equipment at its depreciated value, extending the lease period, or returning the equipment. It’s important to understand whether you or the leasing company are responsible for maintenance, registration and insurance costs.

Debtor Finance

Info

This solution allows a business to use its accounts receivable ledger as collateral to secure funding. Debtor financing can suit businesses issuing high volumes of invoices, as a way to manage working capital and short-term cash flow challenges.  As a simple example, a debtor finance service may pay you 75% of your customer’s invoice value now, and pay the balance after  the customer has settled the invoice (minus the lender’s fee for providing the money to you up front).

Unsecured Business Loan

Info

Unsecured business loans aren’t backed by property, equipment or other forms of collateral. Lenders often use business cash flows and the applicant’s credit status and history to determine loan approvals. Loans tend to be short-term, typically from between 3 months to 3 years.

Equipment Loan / Chattel Mortgage

Info

With this loan the lender provides finance for you to purchase an asset and uses the asset as security if you fail to repay the loan. In this agreement you have ownership of the equipment from the point of purchase and repay the loan to the lender in line with the repayment terms.

We understand small business and your financial needs. We can find the right solutions for growth.

 We Scour The Market For The Best Solutions For You

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Let us help you build your business

Happy Clients

We first contacted Marti at the advice of the real estate agent showing us the house we were interested in. Within an hour and on a Sunday she was at our house sharing her great knowledge of products with us to find the best one for our circumstances. She is always very attentive, friendly, and ever so helpful. She found us a product that enabled us to secure the house we wanted. She even came over later to explain the repayments again to us as being our first home we were confused by it all. I would definitely contact her again in the future and would highly recommend you do the same. You won’t be disappointed.

Alexis

First Time Buyer, Samford

Everything fell in place so effortlessly and it was great that someone pointed us to Marti. She’s honest and straight forward. I highly recommend Marti as a first choice broker.

Amanda

First Time Buyer, Bray Park

The estate agency recommended Marti, and I thought I’d give her a try. I had done a mortgage comparison online, and I knew the best market rates I could get. She came to my home, talked through all the various types of mortgage, answered all my questions and 30 minutes later we were reviewing the broker-only deals she had – much better than my findings!

Becky

Home Buyer, Samford

We found Marti, from a referral from a friend, after 5 months of knockbacks from other brokers and having not been successful with the applications. Marti went out of her way to make sure she got us the result we wanted. I would highly recommend Marti for any type of loan, very genuine person. We can’t thank her enough.

Metin & Jackie

Home Buyers, Samford

We had recently decided to purchase our first investment property with slightly complicated finances we thought we would use the services of a mortgage broker. We would highly recommend Marti for anything financial, we are so glad we took the leap and entrusted her with our finances and will definitely be using Marti’s services again. Thank you, thank you, thank you from the bottom of our hearts.

Bronwyn & Mike

Property Investors, Property Investors

Having been introduced to Marti by a friend, who is also another happy customer, I found her to be professional, understanding, strategic and tenacious. She goes far beyond the business transaction. Marti takes a real interest in what you are trying to achieve. She advises and counsels where she sees the need. To my mind, she is on top of her profession and I highly recommend her. Marti is simply a joy to do business with

Digby & Laurel

Home Buyers, Nudgee Beach