OUR SERVICES
Whether you need to restructure existing facilities, have facilities due for refinancing, or are considering raising debt to finance an acquisition, we have the experience to help you find solutions to achieve your financing objectives. Following are the extensive range of services available to businesses located in metropolitan, regional, and rural areas of Australia.
IDENTIFYING THE COSTS OF YOUR BUSINESS FINANCE
We can advise you on whether your loan agreement is fair and competitive in terms of:
- Bank fees and charges;
- The security you are providing for your loans;
- The loan covenants and loan conditions being imposed by your lender;
- The interest rates being charged.
DETERMINING THE LOAN TYPES & STRUCTURES BEST SUITED TO YOUR BUSINESS
We can prepare a finance strategy paper for your business which will include recommended finance facilities and loan structures; as well as expected pricing, security and loan conditions.
The strategy paper will also provide constructive feedback on your existing bank relationship and loan arrangements.
We specialise in commercial finance such as:
- Working capital e.g. overdrafts and lines of credit;
- Term loans i.e. property secured loans up to 25 years;
- Equipment finance e.g. vehicles, trucks, machinery.
SOURCING FINANCE FOR YOUR BUSINESS
We will help you to source business finance from a lender that is active in your sector, and who best meets your needs in terms of loan product and pricing, security, loan conditions, and relationship.
We prepare, submit and follow through on a loan application that meets the information needs of the lender, and also enhances the prospects of your finance strategy being approved.
NEGOTIATING WITH THE LENDERS
We will either assist you or lead your negotiations to get the best finance deal possible.
Using benchmark quoting, we start negotiations with your existing lender to achieve an outcome that meets your finance objectives. If that fails, we then identify and negotiate with other potential lenders active in your sector.
We maintain control of the agenda throughout the process.
Ongoing reviews and assignments
We provide ongoing reviews of your business finance strategy and bank relationships;
In view of our knowledge of Banking Law and Practice, we can provide valuable advice and support to your business.
We undertake special finance related assignments when requested to do so for such matters as estate and succession planning, business asset acquisitions, and other similar matters.
These services are provided and conducted in accordance with the relevant standards and ethical requirements of both the Financial Services Institute of Australia (FINSIA), and the Mortgage Finance Association of Australia (MFAA).
Free consultation
We will offer you a free consultation during which we will assess your needs and expectations of our service, and agree to the scope of work to be completed.