Every business needs a financial boost over time to grow and expand.

Business Finance Guide

This guide will help you prepare the right finance solution for your business.

BUSINESS SMART


Better Business Finance

A business loan is a credit facility, usually in the form of cash that you borrow and repay over an agreed length of time. Banks and other lenders and even friends and family can provide businesses with loans. Businesses have different reasons for obtaining a business loan. Business Loans are generally suitable for: paying for assets – e.g. vehicles or business equipment start-up capital
instances where the amount of money you need won’t change. It’s not a good idea to take out a loan to pay for ongoing expenses – you might find it difficult to keep up repayments if your cash flow is not
adequate to support such payments.

Expert & Professional

Business Finance Guide

Mezzanine Finance is often used by property developers to maximise their borrowing capacity against a specific property development. Property portfolio owners can also maximise gearing against quality property assets. It can be applied to a wide range of securities ranging from assets such as property or equipment to business enterprise values.

We can facilitate  preferred equity solutions as part of a construction finance package to property developers where the proposed senior debt provider will not allow subordinated debt or second mortgage behind them. Preferred equity can have the properties of both common shares and debt and is often referred to as a hybrid security.

We can support you in finding the right solutions for your property development strategies with our Development Management team. We can also provide you with a comprehensive solution from the beginning to the end of the project. Our aim is to work in collaboration with your management team to deliver a result driven solution.

We have access to a competitive network of commercial loan lenders including major institutions from investment banks, private equity to private lenders. Our aim will always be to provide you with tailored commercial property funding solution to always meet with your strategies.

Private Equity / Joint Venture can come in handy in various situations where the project component requires another developer or builder’s project and management development expertise based on experience. Where both parties to the project benefit from sharing of profits. A Joint Venture proposition can also be combined with Private Equity groups.

How we use Asset Finance to support your projects 

  • It allows you to preserve capital and generate income from your new assets while making structured repayments 

  • We can establish flexible funding repayment outcomes, so you can structure the repayments to reflect your cashflow positions and simplify your finances

  • Better manage and control the risk factor of asset ownership

Asset Finance is flexible and can be customised as you can fund any equipment that is essential to your development project.  It makes sense to not outlay your cash reserves to purchase plant and equipment to support your development projects. We can help you ease your cashflow burden by establishing regular structured repayments over a fixed period.

Why Choose Top Step Finance?

Our Lenders

We provide more choice with over 40 asset finance lenders on our panel to give you the best product for your business needs.

Our Technology

You use the latest processing software available in the market that includes direct API to various lenders.

Training & Development

We undertake ongoing Professional Development and education to stay on top of the market to benefit our clients.

Our Experience

With over 10 years of experience in asset finance, you can rest easy knowing you are working with the experts.

Hands-On Support

We provide complete business support options from application right through to settlement and beyond.

Compliance

A team with high-level expertise in all legislation, financer accreditations, and Australian Credit Licence holder updates.

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