At Assured we’re so much more than just home loans. We work with a range of business partners and lenders to help you secure a great loan for your commercial needs. Whether you’re purchasing commercial real estate, need a commercial vehicle or for any other needs listed below, whatever your finance needs, we’re here to help.
A faster way to access finance for everyday expenses. Unsecured business loans are a relatively new option for businesses that need to get access to some extra funds. The obvious benefits of this type of finance is the speed in which access is granted to the finance, with simplified application process. This may allow you to quickly take care of cash flow, cover urgent expenses, or make the most of an opportunity.
Because they are unsecured the application is simpler and the loan amounts are often smaller – usually anywhere from $5,000 to $300,000. These types of loans can have turn around approvals and deposit cash into your account in as little as 24 hours.
Working capital finance is a business loan that can help you take care of your immediate and day-to-day costs. Like the name suggests, having this type of financing means you have the capital to cover vital operating costs like paying suppliers, covering wages or adding inventory to make the most of busier business periods.
Looking for an effective way of unlocking cash that’s already been invoiced to your clients? Sometimes called Invoice Finance, Debtor Finance or Accounts Receivable Finance, this is like a cash advance based on the sales you’ve already made to your customers, without having to wait for the traditional 30, 60 or even 90 day payment periods.
A lender considers the invoices or monies you have owing as an asset. They’ll lend you a percentage of the money that’s owed to you, then pay you the remaining balance once they’ve collected the invoice, less a small percentage.
Have you considered using the funds in your Self Managed Super Fund to invest in commercial property? The savings you’ve built up in your Superannuation Fund can be used to make investments in a range of asset classes. By transferring your super to a new or established Self Managed Superannuation Fund (SMSF) the opportunity to use gearing to purchase property may become available.
With commercial property, it may be possible for your SMSF to purchase a property that will be occupied by your business, as long as the rent is at market rates.
Terms loans are commonly used to buy commercial real estate, or to buy an existing business or franchise. If you’re familiar with home loans, you’ll understand the principles of how a term loan works. Generally speaking, this type of loan can be used for two purposes – business or property. Business purposes includes buying a trading business or franchise, a new business start-up or the expansion of an existing business. The types of commercial real estate purchased encompasses a very broad spectrum. These loans almost always require security, generally over the commercial or residential property, and in the case of business loans, the assets of the business as well.
