Banks can only offer their own products and lending rules. We work with a broad panel of major banks, non-bank and specialist lenders, giving us the ability to compare a wide range of finance options and structures to find the right fit for your circumstances.

We also look beyond the individual loan. Where appropriate, we can help diversify your lending across different lenders and structures, reducing concentration risk and helping you maintain greater flexibility and control over your business and personal assets.

The right structure depends on what you're buying, how the asset will be used, your business cash flow and how long you intend to keep it.

Typically for most businesses a Chattel Mortgage or Commercial Loan is the recommended finance product, this is because the product gives the business full control and ownership of the asset with all the claimable benefits available to the business. We arrange finance for business cars, utes, trucks, trailers, machinery, plant and other equipment across a wide range of lenders. Our process is to obtain our clients highly competitive rates and more importantly the right structure and agreement that does not create risky charges from lenders. We consider the overall finance structure, including loan term, deposit, balloon or residual, repayment requirements and lender security, so the finance works with your business rather than unnecessarily tying up cash or other assets.

We can also arrange finance for new and used assets purchased through dealers, suppliers or, with selected lenders, private sellers.

In most cases, yes.

Established businesses are generally eligible for streamlined or reduced documentation asset finance depending on the amount being borrowed, the asset, your ABN and GST history, credit profile and the lender's individual policy.

Lenders however, are not the same, they have different rules when considering the above, it's important to have representation from a good finance broker who knows the landscapre and can workshop your position if necessary before applying anywhere.

We work with a wide range of business asset finance lenders, each with different credit policies and documentation requirements. We can assess your position first and identify lenders that are more likely to suit your circumstances before an application is submitted.

This can be particularly useful when you need to purchase a vehicle or equipment quickly without going through a lengthy full financial assessment.

It depends on what you're trying to fund.

A business overdraft or line of credit can be useful for managing ongoing cash flow fluctuations because funds can generally be accessed quickly, repaid and used again within the approved limit. A term business loan may be more appropriate when you need a defined amount for a particular purpose or investment.

We look at how cash actually moves through your business, what the funding is being used for and how quickly it is likely to be repaid before recommending a structure.

The objective isn't simply to obtain more debt, it's to put the right funding in place so your business has access to capital when it needs it without unnecessarily restricting future growth or putting assets at risk.

Commercial property lending varies considerably between lenders and depends on the type of property, its location and use, your deposit or available equity, lease arrangements and the financial strength of the borrowing business or investment entity.

We arrange commercial property finance for business premises, industrial property, warehouses, offices, retail and investment properties through major banks and specialist commercial lenders.

For business owners, we also look at how the purchase fits alongside your existing business lending, property debt and available security. Structuring this correctly can be just as important as the interest rate, particularly when you want to preserve equity and borrowing capacity for future opportunities.

Generally, yes.

An SMSF can, subject to superannuation rules and the correct legal structure, borrow to acquire certain commercial property. For business owners this may include premises that are subsequently leased to their operating business under appropriate commercial arrangements.

SMSF lending is a specialist area and lender policies can vary considerably. We compare SMSF commercial property lenders and work alongside your accountant, financial adviser and solicitor to coordinate the lending component of the purchase.

Because the SMSF, borrowing structure, property and lease arrangements all need to work together, it's important to investigate the finance position before committing to a property.

Yes. This is one of the advantages of working with Premium Finance Group Australia.

Business owners often have income spread across salaries, company profits, dividends, trusts or other entities, which means their financial position doesn't always fit neatly into a standard home loan application.

We understand business financials and can consider lenders with different approaches to assessing self employed income for home loans, investment property finance and refinancing.

More importantly, we can look at your business and personal lending together. That helps avoid making a decision on a home, investment or business loan today that could unnecessarily restrict your borrowing capacity, security position or options later.

It costs absolutely nothing to speak with us.

In most cases, we're paid by the lender, which means our services will not cost you anything directly. We'll always explain how we're remunerated so you can make an informed decision.

Absolutely. Refinancing can help you secure a lower interest rate, change repayment obligations, access equity in property, divesify debt risk and help protect your assets when there is business debt. We access loan options from banks and lenders across Australia and provide you options and recomendations to consider.