Commercial and business lendings

MJ Broking can advise on the best business loan products to fund your business growth and finance business initiatives. You have a choice of repayment options to suit your cash flow requirements as well as the choice of fixed or variable interest rates.

Business loans are available with loan terms of more than one year.

Business finance

MJ Broking is a trusted finance partner for many of our business clients. We advise on the suitability and competitiveness of existing loans and help acquire new funds.

We have helped many businesses with:

  • restructuring debt,
  • refinancing to a more competitive lender,
  • obtaining new loans to fund growth,
  • conducting financial audits.

Many business owners have found that they can save thousands of dollars in interest expenses by undertaking a review of their finances.

For more information contact MJ Broking for a free consultation.

We can help with:

  • Term Loans
  • Overdrafts
  • Financial Audits
  • Invoicing Finance
  • Bulk Principal Repayments
  • Debt Consolidation

Commercial property loans

We have a specialist team of managers with specific industry experience and expertise to assist with a range of property developments from industrial and commercial to residential and recreational.

Some specific areas we can assist with are:

  • Strata title offices
  • Industrial warehouses
  • Retail outlets
  • Franchises
  • Specialised securities
  • Holiday let apartments
  • Working capital finance
  • Factories, shops and vacant land

Depending on the development, we can typically arrange a development loan for up to 70% of the gross value of the property, and even up to 100% on the total development cost (depending on the strength of the development).

Self employed

Whether your business is large or small, whatever industry you are in, our equipment finance team can help with all types of operating leases and equipment rental.

Because we take the time to listen and understand your business and asset strategy, we can structure the deal according to your objectives.  This gives you the flexibility to grow without excessive strain on the lifeblood of your business – your cash.

Franchise lending

In today’s modern world a number of known brands and even many lesser known brands have franchised operations and provide opportunity for business owners to enter into business based on a tried and proven business.

Most banks now have franchise loans wherein they will extend some security value against the ‘brand’ of a franchise. This may mean clients need not necessarily provide as much security as the business will have an underlying value that a bank will rely upon. This value does not normally exist with other business types outside the franchise systems.

We are well versed with finance for franchises and aware of what packages are available via different financial institutions. Even some lesser known franchises can still be financed and we are well placed to assist.

 

FAQ

Frequently Asked Questions

Q : How to Switch Banks?

A: If you’re going to write checks or use online bill pay, start writing checks from the new account and fund those payments by transferring money from your old account.

Q : Why should I spend money on a financial advisor?

A: Most commonly, individuals seek the help of a financial advisor for retirement planning. But they can do much more than that. You can get help with college savings, work on household finances and even get out of debt with the help of a financial advisor.

Q : Can I get help with
 my credit card debts from a financial advisor?

A: Absolutely. Clients can work with a licensed financial advisor to pay off their debts and get back on track financially. Financial advisors have access to programs most individuals can’t get into on their own, and they have connections in the financial industry most of us simply don’t have.

Q : I am already in
 debt. How can I afford a financial advisor?

A: The help of a financial advisor may be less expensive than you might think. Depending on the help you are looking for, you could be looking at a fee only situation or commission based pricing.

Possible Risks

Market risk, or “principal risk” is the chance that a downturn (or a bad investment) chews up your money. It’s there for both stocks and bonds — when interest rates rise, bondholders will see the market value of their paper shrink — and for most people it’s the big bugaboo.

Inflation or purchasing-power risk for most people is the “risk of avoiding risk” — the opposite end of the spectrum from market risk — the possibility that you are too conservative and your money can’t grow fast enough to keep pace with inflation

We Will help you to understand:

  • Retirement Financial Planning with Wealth Creation
  • Wealth Creation
  • Asset Protection
  • Investing for Retirement with Self Managed
  • Superannuation Fund (SMSFs)
  • And more other instruments

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