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Your Questions Answered

We’ve gathered the most common questions asked by our audience and clients. Get your question answered below or contact us with your finance questions.



I’m not in your area, can we still work together?

We work with clients from around Australia and some parts of Asia as well. And we’re more than happy to meet face to face with you. We’re always looking to build relationships when we can.

How can we trust your personal lending expertise when you’re focused on business?

Almost all of our personal lending customers stem from our business solutions side. Because we have a clear idea of your overall business financial situation, this helps us find personal lending options to fit your lifestyle too.

Do you offer support after we get our financing in place?

Absolutely. As part of our nurturing process, we look to monitor and review your loan finance when changes to your business take place. We’re interested in a long term business relationship with our clients, and providing support is a big part of that relationship.

What’s the difference between debt financing and equity in business lending?

I’ll be as clear cut as possible with these two terms

Equity is the ownership of a business after all associated debts are paid off. You can sell an ownership portion of your company to an investor or lender in return for their money. This also means any profits or dividends you make in the future are split between you and the stake that lender or investor holds in your business. Investors are looking for outstanding growth in a business to get returns out of this equity.

Debt financing is a business loan from a lender without giving up any ownership. This type of financing covers things like overdraft or line of credit facilities and business loans. You must meet the full payment of the debt including the interest by a set date. The lenders here often tend to be bigger banks and other financial institutions.

What exactly is benchmarking?

Benchmarking is a term given to a comprehensive assessment of your business finances. To see where they stack up today and into the future, down to the smallest detail. These reports are a great opportunity for lenders to really know how you will perform once they hand over their finance.

Which lenders do you deal with?

We speak with a lot, I mean a lot, of lenders. We aren’t tied to any selected banks, credit unions or second tier lenders, our eyes are fixed solely on the loan products they offer. Which means a greater choice from more lenders.

Should I go fixed or variable?

We can answer that when we’ve spoken about what you want to get out of your loan. Maybe you want to pay off your loan faster or want guaranteed repayments, our advice will differ for each business situation. A variable loan is good for flexibility and a fixed rate loan good for budget certainty.

How long does it take to get funded?

As property finance is different to commercial lending and business finance, it can vary based on the type of lending you’re after. But the majority of the time, we will be faster than any bank.

How much can I borrow?

This depends on your current financial situation and what you are looking to achieve with the finance or loan. Contact us to get a deeper insight into how much you can borrow.

Which loan is right for me?

That depends on what you want from your finance. There’s a host of options out there – low document, package loans, re­draw facilities, plant and equipment loans, fixed, interest only, interest in advance, variable, introductory variable – ­each one specific to a certain situation.

That’s why engaging a broker to sort out the good loan products from the average ones can deliver the ideal loan for you.