1. Commercial / Industrial Property - Owner Occupied or Investment
- Up to 80% LVR (value of property)
- From $250,000 to $50 million
- Competitive rates
- Full Doc or Lo Doc facilities
| 2. Property Development / Land Subdivision - Up to 80% end value - effectively 100%+ funded with equity release opportunity prior to completion
- All costs including interest capitalized
- Minimum pre-sale requirements
- From $500,000 to $50 million +
- Rural / Provincial developments apply
- Competitive rate structures
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3. Inventory Funding - Co. requirement well est. with min. $3m T/O per annum, 3 years history, profitable business
- $400,000 - $3m revolving facility with no real estate security or pre-sales requirement
- Only pay for what you use with no ongoing line fees
- Applies to finished product or raw materials for value added processing
- Up to 120 days with additional roll-overs available
- Out sourced manufacturing PLUS raw material cost funding as a Turn Key facility
| 4. Debtor Funding - Stand alone facility with Debtors as prime security
- Payment against invoice within 24 hours
- Up to 90% invoice value and 120 days current
- You select the debtors you wish to discount
- Non disclosure facility
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5. Import / Export and Local Trade Facilities - Stand alone and unsecured facility available
- Company profile as per Inventory Funding
- Applies to local Creditor Payments
- Up to 120 days terms with first 60 days interest free
| 6. Equipment / Motor Vehicle / Aircraft / Software - Finance lease
- Operating lease
- Commercial Hire Purchase
- Novated Lease
- Chattel Mortgage
- Full Doc or Lo Doc
- Structured / Seasonal Payment structures
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7. Rural - 80% LVR to 150 acres
- 90% LVR to 120 acres
- 65% over 150 acres
- Seasonal repayment structures
- 'Wheat Harvest' equity line to 75% (Exc. GST)
- Extremely Competitive rates
| 8. Asset Funding - No requirement for financials
- Up to 75% LVR commercial and 80% LVR residential
- Credit impaired acceptable
- Prompt approval and settlement
- Competitive rates
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9. 2nd Mortgage / Mezzanine / Caveat facilities | 10. Sale & Lease Back of Plant, Equipment & Machinery |
11. In fact, ALL facets of Business Banking are covered no matter what the need | |
