business & commercial finance

One of the biggest opportunities many small businesses struggle with is finding the right business finance to fuel growth. Aligning the right loan to your needs, both short and long-term, isn’t easy. There are many different sorts of loans, with multiple products for each type offered by most lenders. It takes an experienced professional to navigate business finance, and that’s where we come in.

We’ll help you find the right type of finance to fuel your business growth.

As brokers our role is to ensure you have the right solution to suit your business needs. We work closely with you to ascertain what you’re looking to achieve long term. Brokers can bring choice and competition to the table and we take the pressure off, allowing you to do what you to best – growing your business!

What type of business finance do you need? What are you looking to fund? There are so many different reasons a business needs finance, and there’s often a different product for every single one.

Time to expand? 

It could be larger premises, a new store location or perhaps a renovation. Maybe it’s time for some equipment upgrades, new staff or a marketing campaign to drive more sales.

A common question we receive from business owners is ‘how do you get your hands on the equipment you need to grow, while still keeping the all-important cash flow and working capital at healthy levels?’. Choosing the right asset and equipment finance can give you further benefits than just preserving your day-to-day funds:

Any asset, plant or equipment that can help generate income for your business may be able to be financed, and can include:

• Commercial vehicles

• Plant and machinery

• Agricultural equipment

• Computers, photocopiers and phone systems

• Office equipment

• Internal fit-outs

From property to plant, we can help your business grow.

Aspire Financial can help with any aspect of commercial finance, be it residential/commercial property developments, business land subdivisions, investment acquisitions of any asset class, and any other type of finance required for your business. All banks have different and ever changing appetites for various types of lending and we keep on top of these changes to source the most appropriate loan for you.

Putting stock on the floor. If you’re about to have a busy period, you need enough inventory so you may need to buy it before you can sell it and generate the income. The right finance will ensure you’re ready.

Keeping up cash flow. Finance for equipment or inventory will preserve precious funds you have in the bank. You can even get finance based on the invoices you’ve already sent to clients.

Brand new equipment. Equipment or vehicle loans can help preserve cash flow while also helping to generate new income with a new asset. There are also tax benefits, and lenders often consider the asset as the collateral, so you don’t need to secure it against any personal property.

Time to refinance. Your business and its needs change, and so do the finance products the lenders are offering. So it can never hurt to consider finding a more suitable loan, or a better deal.