Insights
Practical finance insights, deal highlights and lending observations for business owners, property investors, homeowners and referral partners.
Modular and Prefabricated Homes: Finance Considerations in Australia
Financing a modular or prefabricated home may not be the same as financing a standard residential construction project. Lender policy varies significantly.
Why Growing Businesses Need Better Cash Flow and Trade Finance Strategy
Many growing businesses do not run into trouble because sales are weak. They run into pressure because growth consumes cash — especially for importers and businesses that pay suppliers before receiving customer payment.
How Banks Assess Commercial Property Finance
Commercial property finance is assessed differently from a standard home loan. For residential lending, lenders usually focus heavily on personal income, living expenses, credit conduct and the property valuation. Commercial property finance is broader. Lenders will assess the borrower, the property, the tenant profile, the income stream, the loan purpose, the ownership structure and the exit strategy. For business owners and investors, this means the finance structure should be considered before signing the contract or approaching the bank.
Anonymised examples of finance scenarios we have assisted with across commercial property, business finance and specialist lending.