Commercial loans
Commercial Property Investment
Term loans up to 30 years for the purchase of established retail, office, mixed use or specialised assets such as petrol stations and childcare centres.
Residual Stock
We work with multiple lenders to assist with leveraging your residual stock to fund new projects or to facilitate your next property investment. Finance against residual stock can also assist with paying out existing development loans to improve rates and increase LVR.
BUSINESS FUNDING
BUSINESS PURCHASE
Obtaining finance to buy a business can be very challenging as it requires careful due diligence around evaluating history of business performance, competitor analysis, and expertise in sourcing the appropriate finance and terms relevant to industry.
Our expertise can help you understand the loan criteria and potential risks and liabilities for both you and your business. We will work with you to navigate, evaluate, and understand the many different funding solutions to get the best loan offer that suit your requirements.
BUSINESS EXPANSION
Whether you want to incorporate an existing business, open a new office, or start a completely new venture, Fundify is here to help. Whether you need financing for a larger space or additional stock, we can provide you with a range of solutions.
Property Development
We work with multiple lenders to assist your development finance requirements in residential, commercial, and mixed use assets. We have helped clients with simple two unit townhouse developments to larger scale commercial and residential projects.
Self-Managed Super Fund (SMSF) Property
Purchase of commercial property through a SMSF is known as a Limited Recourse Borrowing Arrangement (LRBA). This is a specialised lending product where the SMSF borrows the funds to complete property purchase whilst the property is held in a Bare/ Custodian Trust for asset protection. This structure is recommended by the ATO to safeguard other assets in the SMSF and ultimately protecting the interest of its members. Our trusted network of advisors can assist you with regulatory requirements if needed.
wORKING CAPITAL
Fundify offers financial solutions to support your business's cash flow and operational needs. Failing to secure the right working capital solution can pose challenges and restrict your business's growth potential. We are here to help you find the most suitable financial solution for your business.
Sometimes, you may not have enough cash on hand to purchase the stock you require, let alone take advantage of bulk buying discounts, depending on your cash flow cycle. Insufficient cash can hinder you from expanding your product line. Fortunately, there are different solutions accessible to assist you in overcoming these challenges.
EQUIPMENT FINANCE
Acquiring new equipment, vehicles, or machinery is crucial for the growth of many businesses. It is vital to be aware of the options available when considering a lease/ hire purchase arrangement. Fundify can assist with evaluating and understanding available options. Depending on your situation, leases can offer significant cash flow and tax benefits.
DEBT STRUCTURING
For numerous business owners, obtaining finance is a top priority. However, what is occasionally neglected is the arrangement of the obtained finance. The loan structure is equally crucial to consider, as the wrong one can lead to long-term problems for the business and its owners. We can help you understand and secure the appropriate funding structure, often resulting in added flexibility and competitive loan terms and rates.