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Commercial Finance Solutions
Are you looking to start a business? or perhaps purchase equipment to help with increased demand. No mater what your circumstances are, ACA Mortgage Solutions can help find the right finance to suit your individual business needs.
ACA have written over 60 million in Commercial loans, so we have a few trick up our sleeve. Whether you require a commercial property loans or business finance to a car loans or equipment leasing, we have a full range of financial solutions to help you manage and grow your business.
Business Finance
Whether you require short- term finance to manage cash flow expenses or additional funds to grow your business, ACA Mortgage solutions can find the right finance solution for you.
can give your business access to additional funds when you need it most. This means you can continue to withdraw money ( up to a set limit ) after your balance reaches zero. The advantage of an overdraft is that you only pay interest on the amount overdrawn.
is a finance option that is available for both new or established businesses. Meaning it can be secured against your business assets or unsecured. Having a line of credit is like having pre-approved finance that you can draw upon at any time you need it. The advantage of line of Credit is that you don’t pay any interest until you have access the funds and if you do not exceed your limit, there are no monthly repayments.
is a short-term finance option that provides access to up 80% of your invoice value within one business day. The loan is reduced as debtors pay into your account and your funding increases when you submit new invoices. This kind of arrangement is suitable for business that have a turn over in excess of $2M goods and services, experiense seasonal fluctuations in cash flow or offer payment trading terms between 30 and 60 days.
Commercial Property Loans
Commercial Property loans cover a wide range of products from
- Owner occupiers and property investors for retail, office and industrial
- Property development loans for retail and industrial units
- Refinancing of commercial property loans
As a property investor commercial loans work in much the same way as residential home loans, with the same loan features like fixed or variable, interest only, line of credit or offset facility. However commercial property investment is considered a high risk asset and usually, you will need a larger deposit, at least 30% of the purchase price.
Investment in Commercial Property has some advantages over residential property investment.
- Commercial Properties provide greater certainty in rental income with leasing agreements over longer terms.
- Movement in the Consumer Price Index (CPI) is often used as a method of reviewing rent in a commercial lease.
- As a property investor when you purchase a commercial property Goods and Services Tax (GST) applies on the purchase price. However you can claim back the GST as an ‘input tax credit’ against the GST charged on the property’s rent.
- With a commercial property lease the lessee is responsible for the costs of maintenance, rates and repairs. This means a commercial lease offers higher rental income profits when compared to residential property.
Equipment Finance
Renting or leasing equipment removes the need to purchase large tick items, enabling business to manager their cash flow. Some financiers may take into account seasonal income variations when planing the finance repayment schedule. Equipment finance cannot be used to cover trade, property or other operating expenses. However it can be used to purchase industrial machinery, plant and assets, vehicles, forklifts, IT equipment and telephone systems. The type of finance arrangement you choose will depend on your business operating structure and cashflow. Your ACA Mortgage Broker will get to know you, your business and research the right solution for you.
Hire Purchase
spreads the cost of purchasing expensive items over an extended period of time. This kind of finance will suit businesses that wish to eventually own the assets at the end of the contract.
Equipment Finance Lease
allows businesses to rent equipment for a contract period of time. At the end of the contract period, rather than owning the asset, businesses can negotiate to continue lease the same item or opt to lease a new item; allowing the business to access the latest equipment without sacrificing capital.
Equipment Loans or Chattel Mortgage
are commonly used to fund the purchase of movable personal property like cars, commercial vehicles and other business equipment. A mortgage over the asset is secured by a fixed interest loan, as with a normal house mortgage, the legal ownership is transferred to the purchaser at the time of the purchase and the mortgage is removed once the loan has been repaid. Loan repayments on Chattel Mortgages in Australian do not attract GST.
