08 9228 7100 123A Royal Street East Perth, WA, 6004
CapitalQ Loans & Finance

Business Loans and Finance (CapitalQ Loans & Finance)

CapitalQ Loans & Finance can assist with all your business loans and finance needs!

Based on the feedback received via our recent Client Survey, which included an overwhelming request for us to provide more assistance with lending and finance requirements, we have done as our Clients have asked and launched CapitalQ Loans & Finance to help meet their needs.

Whatever your business loans and finance needs, working in conjunction with our Accountants and Business Advisors we are the best placed to help get you the funds you need, using the right facility, structured correctly (especially from a tax point of view) AND at the lowest rate possible!

We can assist with all forms of lending you may require for your business as well as for your investing AND for your personal requirements including –

  • Business Loans (both Secured and Unsecured)
  • Car Finance
  • Equipment Finance
  • Investment Loans
  • Home Loans

And remember … our Finance Broking

service comes at no out of pocket cost to you!

 

 

Business Loans

There are broadly two types of business loans available, Secured and Unsecured …

Unsecured Business Loans

Unsecured business loans are the quickest and easiest form of finance available.  Though amounts lent are usually less than with Secured business loans, and the period of the loan is generally shorter.

We can assist with Unsecured business loans ranging from $5,000 up to $250,000!

And whatever your business, we can usually help.

The process is fast and easy and once approved in many cases you can have funds in your account within just a day or two.

Why use us for your Unsecured business loans?

Just some of the benefits include –

  • Many customers receive their funds within 24 hours
  • No property required
  • No upfront costs, No application fees
  • Cash-flow friendly repayments
  • Minimal documentation (for existing Clients, we already have most of it as your Accountants anyway)
  • Easy ongoing access to funds
Why you may need Unsecured business loans –

The reasons will vary from business to business, but the most common include –

  • Working capital / Cash flow assistance
  • Purchasing new stock
  • Repairs and/or renovations to equipment or premises
  • Marketing and/or advertising to help boost sales
  • Cover cash shortfalls while awaiting customer payments
  • Refinance other finance facilities and/or payments (ie. credit cards, ATO debts, etc)
What information we will need from you to arrange your business loans …

For loans of $50,000 or less, all you need to have ready is:

  • Your Driver’s Licence number
  • The ABN for your business
  • The BSB and account number of your main trading account

For loans over $50,000 you will also need to use your formal Financials Statements including P&L, Balance Sheet, Tax Returns and possibly also a Cash Flow Statement.  We will require this additional information so that the health of your business can be demonstrated to the lender making them confident your business can manage the repayments without undue pressure.

Secured Business Loans

Secured business loans can be larger than Unsecured business loans and can be taken out over a longer period of time.  They can also potentially be interest only for a period.

Usually property is the preferred form of security, but potentially security can be provided over the business itself.

Secured business loans can include Term Loans over periods of usually 3 to 15 years, Overdrafts and Franchise Loans.

Vehicle and Equipment Finance

Finance can also be arranged to fund the purchase of business vehicles and equipment.

Such finance is actually a form of secured loan, but instead of being secured over property or the business itself, security is only taken over the vehicle or equipment being purchased.

This form of finance is among the quickest and easiest to obtain.

Of course car dealers and equipment providers will often try to convince you to take out such finance via them, but we encourage you to speak to us first.

We can ensure …

  • You get the right finance facility (Chattel Mortgage, Lease, Hire Purchase, etc)
  • Structured correctly, in particular in relation to tax treatment and benefits
  • Lent over a term most appropriate to your business’ needs
  • AND
  • We can usually obtain better terms, including a better interest rate!

Call us on 9228 7100 to discuss your

lending and finance requirements.

 

CapitalQ Loans & Finance Pty Ltd (ABN: 99 619 991 749) being Credit Representative 502740 is authorised under Australian Credit Licence 389328.

Your full financial situation will need to be reviewed prior to acceptance of any offer or product.

Should you wish to provide feedback (Good or Bad), lodge a complaint or have any concerns, please see details on how to do so here.