business loans
here at finance story we work tirelessly with you to support you with your business finance needs
We take time to really understand the nuances and needs of each business, whatever the size, and work with you to establish what it takes to grow your business to the next level. Our solid expertise in creating proven and tailored business improvement solutions across large-scale blue-chip Australian companies along with small ventures, enables us to acutely tailor comprehensive funding solutions. We have a full portfolio of lenders to create business loan solutions that support all sizes and scales of business wherever you are in your growth plan.
We can assist you with all business finance options from term lending, debtor finance, line of credit, stock finance, asset finance, and invoice lending. Whether you are buying a business, developing a current business, or investing in technology, we can structure the right funding solution and find mainstream or boutique lenders interested in your project.
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TERM LENDING
Long term loans for larger business requirements, with loan terms of 15 – 30 years depending on whether commercial or residential security is being used. Term loans generally attract a better interest due to being secured by property.
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trade finance
Provides export operators with finance to cover the gap between selling goods and receiving payment and import operators with finance to cover the gap between buying goods and receiving the goods for sale.
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STOCK FINANCE
The lender loans you money to buy stock to sell, secured against the stock purchased. When you sell the stock, the lender is repaid the initial purchase price, plus the interest for the period the stock was held.
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ASSET FINANCE
Larger assets such as plant, robotics, equipment and vehicles, have a stand alone loan facility secured against the asset. There are different chattel mortgage and lease options available, that effect ownership and have taxation impacts.
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Debtor Finance
Also known as invoice finance or factoring, it involves a lender purchasing your outstanding debtor invoices. You generally get 80% upfront and the remainder when the invoice is paid, minus a fee. It can assist in increasing cash flow.
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Line of Credit
Line of credit facilities are revolving interest only loans secured by property. There is no fixed repayment amount and there is no end date. Monthly repayments are determined by the amount that has been draw down and the current interest rate.