Finance for the things your business needs to deal with next

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Sometimes the funding need doesn't fit neatly into equipment, property or cash flow. Whether you're managing ATO debt, refinancing existing business debt or funding an opportunity, we'll look at the bigger picture and help you work through the options.

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• Refinance or restructure existing business debt

• Explore options for managing ATO debt

• Fund growth, stock, materials, fit-outs or other business needs

Your next machine, truck or fleet

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You’ve got the work. Now you need the machine to do it. Get the excavator, tipper, trailer or fleet on site without tying up the cash you need to run the business.

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• Buy the equipment you need, new or used, one item or a whole fleet

• Choose repayments that suit when your business gets paid

• Keep your cash free for wages, materials and the next job

Keep the jobs moving while you wait to get paid

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Wages and suppliers are due before the invoice is paid. You shouldn’t have to turn down the bigger job because of timing.

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• Access working capital when you need it, through an overdraft or trade and debtor finance

• Smooth out the gap between paying out and getting paid

• Review your current setup if it’s costing you more than it should

Your workshop, yard or depot

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Stop paying rent on a space you could own. Whether you're buying your first premises or adding another property, we'll help you work through the finance options.

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• Buy or refinance owner-occupied or investment commercial property

• Move from one property to a portfolio as your business grows

• Considering buying through your SMSF? See below

Buy the business that gets you closer to your goals

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You've found a business, competitor or opportunity that could take yours further. We'll help you work through the finance so you're ready to move when the opportunity does.

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• Fund the purchase of a business or a buy-in

• Include stock, materials and equipment in the deal

• Keep working capital available after settlement

Considering property through your SMSF?

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Many business owners want their workshop or investment property sitting in their SMSF, with their business paying rent to their own fund. SMSF lending has stricter rules than a standard loan, so you want someone who works with it regularly.

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• Buy commercial property through your SMSF

• Understand the lender requirements and loan structure before you commit

• Get your existing SMSF loan reviewed to see if it still fits

Is your finance still working as hard as you are?

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Your business has changed since you set up your loans. Your banking should have changed with it. A review looks at all of it, not just the rate, so you know what’s costing you, what’s missing and what to line up before you need it.

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• Identify where your finance may be costing more than it needs to

• Spot facilities that no longer fit how you operate

• Plan your next move before you need the money

A home loan that works with your income

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Whether you're buying a home, refinancing or building an investment portfolio, we'll help you find a loan that fits your circumstances. And if you're self-employed or your income looks a little different on paper, we understand that too.

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• Owner-occupied home loans and refinancing

• Investment property lending

• Solutions for self-employed and variable income

• Regular check-ins to make sure your loan still fits