Our services
Residential and commercial finance
Our residential and commercial financial advisors have years of experience in sourcing and recommending the right financial product to meet their clients requirements. Whether you need to finance or refinance your home, are undertaking a major property development, or need additional funding for your business, we will work with you to find the right financial solution.
Residential mortgages
- Access to over 40 different lenders
- Products to suit most borrowers - individuals, sole traders and companies
- Impaired credit history acceptable
- Home loans, investment loans, asset lends, reverse mortgages
- Debt consolidation
- Almost any scenario achievable
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Commercial loans
Whether you are looking to purchase a new business or building, expand your current business or refinance your current loan facilities, Vantage Financial can assist you to achieve these commercial goals. Finance can be sourced for principal and interest or interest only, can be tailored to business owners or investors, and is sourced from a range of lenders.
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Equipment leasing
- Do you need to upgrade your motor vehicle fleet?
- Do you need to purchase new plant and equipment?
- Are you purchasing new IT equipment or new software?
Vantage Financial can help you by giving you access to many specialist lenders and products to suit all borrowers, whether it be for vehicles, equipment, software, machinery, and much more.
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Property development finance
At Vantage Financial we understand that property development is complex and it is critical the finance solution is customised to ensure the success of the project. We will work with you to identify your projects primary requirements and source the finance to best meet these needs.
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Deposit bonds
Deposit bonds are used in the place of cash deposits for the purchase of a residential property. It gives the purchaser the convenience of available cash, without having to raise cash for a deposit, when funds may not be readily accessible. The deposit guarantee enables the purchaser to earn interest on investments until settlement or to sell their existing property without the expense of seeking bridging finance.
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Accounts receivable funding
Accounts receivable funding (also called factoring) is the exchange of your commercial accounts receivable for cash. The main benefit of receivable funding/factoring is the increase in working capital with availability of cash on a regular basis, without incurring debt or diluting equity or ownership. This improves the profitability of the business, maintains good credit ratings, allows the business to take advantage of discounts for purchases, avoids interest and penalties, and funds expansion and growth plans.
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Acquisition funding
If you are looking at a business or property acquisition, we can advise you on the most appropriate finance structure, then source the suite of facilities suitable for the transaction. These include term loans, debtor financing, equipment finance or a range of other facilities. Vantage Financial can also conduct pre-acquisition due diligence, business planning and strategy advice.
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Inventory financing
Inventory financing is the process of obtaining finance for a business to use for stock purchases (either to be used for manufacturing or resale to their customers). Typically, it suits clients who are manufacturers, wholesalers or retailers who purchase stock from both overseas and domestically.
The key benefit of inventory financing is that it enables you to purchase and hold more inventory, without placing strain on your working capital position. This enables your business to grow through increased sales and customers, and plan for peak and seasonal periods without draining all of your capital. It also means that you can achieve discounts by buying stock in bulk.
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Insurance premium funding
- Insurance premiums have risen significantly in recent years due to an increase in compliance and litigation costs
- Premium funding allows professionals and companies alike to spread the cost of insurance policies over a 12 month period
- Annual premiums from as little as $500 can be funded
- Premium funding is suitable for professional indemnity, business risk, public liability, workers' compensation and vehicle insurance
- A simple, quick process that frees up valuable working capital
