Business and commercial finance

Sage Lending Solutions can advise on the best business loan products to fund your business growth and finance business initiatives. You have a choice of repayment options to suit your cash flow requirements as well as the choice of fixed or variable interest rates. Business loans are available with loan terms of more than one year.

Business loans

There are a range of interest rate options including: Fixed rate – for loans with terms of between one and seven years. Offers the security of fixed payments and security from upward rate movements. The fixed rate is residentially secured with interest rates linked to the home loan interest rates and terms of between one and five years. Variable rate – provides the flexibility to make and redraw funds paid in addition to the minimum loan repayments. This rate benefits from any downward movements in interest rates.

There is the flexibility to:

  • switch from fixed to variable rate at the end of a fixed rate period,
  • switch to a fixed rate at any time from variable rate,
  • make interest only or interest and principal repayments, and
  • select loan terms from one to 30 years.

Line of credit facility

A line of credit facility allows you to combine your borrowings in a single, easy to manage service. It can be structured as a revolving line of credit or a term loan. The benefit of a line of credit is that it allows the management of your cash flow by having the ability to tailor repayments.

Benefits and features

  • Select from variable rates or fixed rates up to 10 years
  • Interest can be capitalised for up to 2 years for property developments subject to approvals and conditions
  • Ideal for purchases that are too large for a credit card and too small for a loan
  • Ability to repay and borrow again as needed

Please contact Sage Lending Solutions for more information on how we can assist you.

Agribusiness

Sage Lending Solutions has a range of financing solutions for agricultural based businesses. We will work with you to fully understand your business, support your growth and consolidation plans as well as providing for short term needs.

Some of the services Sage Lending Solutions can assist with include:

  • Transactional solutions
  • Overdraft requirements
  • Equipment financing and leasing
  • Crop financing
  • Long term borrowing

Sage Lending Solutions understands that our relationship with agribusiness clients often covers a life cycle. We pride ourselves on assisting our clients with their current farming activities, assisting them with diversifying their business interests into other areas and successfully handing over their business to the next generation.

Cash flow funding

Cash flow funding is a facility to provide your business with funding outstanding invoices giving quick access to the proceeds of approved credit sales, often within 24 hours of processing the invoices. Short term funding is also available by offering the equity in property without any need to refinance the property.

This facility is ideal for financing the needs of well managed and financially sound businesses. It is fully confidential with all existing collection and customer relationship functions retained by the business.

Benefits:

  • Removes the need to offer discounts to customers for early settlement of accounts
  • Generates significant profits from potentially accessing supplier discounts for early payment

Accelerates cash flow by receiving payments sooner and making more effective use of available working capital

Structured corporate finance

This includes a number of different types of loans which have various structures in place to try to transfer risk. Structured finance in corporate lending includes various elements including tranching where different securities are classed into different groups. This allows various investment groups to gauge the risk rating of the loans they are going to buy.

Structured corporate lending uses different types of securities including asset based securities backed by government notes, credit derivatives, collateralized fund organizations and collateralized debt obligations.

Benefits of structured products

The benefits of structured products vary depending on how they are prepared. One of the major benefits is the protection of capital – a feature which may be offered up to an agreed level if the investment is held to maturity.

Please call Sage Lending Solutions today for a confidential discussion regarding your structured finance needs.

Corporate lending

Sage Lending Solutions can assist with your corporate lending requirements, including

  • asset-based lending,
  • structured finance,
  • cash flow corporate lending, and
  • development finance.

We can arrange finance for a wide range of securities like commercial, industrial or retail properties, vacant land and much more.

With expertise in the commercial and residential property finance sector, we can assist with the structuring of complex financing solutions that these developments require. At Sage Lending Solutions we recognise that each industry has its own unique set of challenges and opportunities. Our employees have extensive experience in a wide range of industries and have a detailed understanding of the requirements of these industries.

Structured finance and property solutions

This includes a number of different types of loans which have various structures in place to try to transfer risk. Structured finance in corporate lending includes various elements including tranching where different securities are classed into different groups. This allows various investment groups to gauge the risk rating of the loans they are going to buy.

Structured corporate lending uses different types of securities including asset based securities backed by government notes, credit derivatives, collateralized fund organizations and collateralized debt obligations.

Benefits of structured products

The benefits of structured products vary depending on how they are prepared. One of the major benefits is the protection of capital – a feature which may be offered up to an agreed level if the investment is held to maturity.

Please call Sage Lending Solutions today for a confidential discussion regarding your structured finance needs.

Development finance

Option 1

Sage Lending Solutions has a specialist team of managers with specific industry experience and expertise to assist with a range of property developments from industrial and commercial to residential and recreational.

Some specific areas we can assist with are:

  • Strata title offices
  • Industrial warehouses
  • Retail outlets
  • Franchises
  • Specialised securities
  • Holiday let apartments
  • complex Working capital finance
  • Factories, shops and vacant land

Depending on the development, we can arrange a development loan for up to 70% of the gross value of the property - and even up to 100% on the total development cost (depending on the strength of the development).

Option 2

Sage Lending Solutions can assist with structuring financing solutions for commercial and residential property development.

We can organise construction and development finance to provide creative and strategic alternatives to traditional development finance to maximise the return on your investment. If you are looking to finance any type of development, equity funding, loan restructuring or refinancing or asset acquisition, call us to find out how we can help.

Industry experts

At Sage Lending Solutions we recognise that each industry has its own unique set of challenges and opportunities. Our professional credit advisors have extensive experience in a wide range of industries and have a detailed understanding of the requirements of these industries. As a result we are able to provide you with specialised lending solutions tailored to your industry and its unique requirements.

 

 

 

If you would like more information speak to one of our friendly consultants today:

Phone: 1300 880 225

International: + 61 3 9877 3000

Fax: 03 8610 2008

Email: info@sagelending.com.au

 

Copyright 2012 by Sage Lending Australian Credit Licence Number: 390347