Lawrence Commercial can help tailor the correct facility to meet your specific borrowing needs. Contact Lawrence Commercial and find out how we can take care of your business financing needs.

BUSINESS WORKING CAPITAL

Working capital is used to cover everyday business expenses such as rent, utilities and wages. It indicates the liquidity of a business.

Working capital usually comes from a borrower's business cash flow. If a borrower has a new business, or if a business that operates in a seasonal industry, a borrower may need some assistance covering the day-to-day costs of running a business.

Cash flow finance or a business overdraft may assist to cover working capital requirements. 

Lawrence Commercial can help tailor the correct facility to meet your specific borrowing needs. Contact Lawrence Commercial and find out how we can take care of your business financing needs.

PURCHASING A BUSINESS

When buying an existing business or well-known or successful business or franchise, there are a number of factors that need to be taken into consideration, including the business history, value of tangible assets, estimated value of intangible assets and the ability to earn a reasonable return on funds. A borrower may also need to consider the goodwill associated with the business.

A good history can be a positive factor when applying for finance. Generally, when purchasing an existing business a business loan or term loan will be utilised.

A borrower will need to work with Lawrence Commercial to ascertain the exact finance requirements and determine what is available to the borrower.

Lawrence Commercial can help tailor the correct facility to meet your specific borrowing needs. Contact Lawrence Commercial and find out how we can take care of your business financing needs.

BUYING OR INVESTING IN PROPERTY

If it is of strategic importance to a business owner to be located in a specific area, a business owner may choose to purchase commercial premises rather than lease an office, warehouse or factory space. Owning the premises allows the borrower full control over the location and fit-out, and also provides an ongoing investment.

The business owner may also choose to invest in commercial property as part of a business strategy. Investing in commercial property works in a similar way to purchasing property for residential investment use.

A business or term loan is generally used to assist with the purchase of commercial property.

Lawrence Commercial can help tailor the correct facility to meet your specific borrowing needs. Contact Lawrence Commercial and find out how we can take care of your business financing needs.

PROPERTY DEVELOPMENT

Property development covers everything from buying a block of land and building a house on it, to renovating a property, to building a major CBD office building. Successful property development, no matter how big or small, involves good research and a certain element of calculated risk.

As with property investment, a good property development will target the right place and the right type of building for that area. Look out for what is needed, and then develop the building to suit. Knowing the development plans and regulations of the local Council will also assist a borrower.

Funding failure is one of the most common causes of failed developments, so it is crucial to get the property development finance right. Lawrence Commercial should be involved with the project right from the beginning, and it’s important to be aware that, particularly if the borrower is a first-time developer, they are likely to need some personal equity to use as security for your loan.

Lawrence Commercial can help tailor the correct facility to meet your specific borrowing needs. Contact Lawrence Commercial and find out how we can take care of your business financing needs.

MERCHANT FINANCE

Lawrence Commercial can help if a business that requires fast, unsecured and a simple way to help increase cash flow needs to meet any of the following:

Ideal for businesses with merchant facilities; such as high customer traffic businesses such as hotels, motels, restaurants etc. looking for cash injection.

EQUIPMENT PURCHASE

A business owner may require a range of equipment to successfully run a business, from a car to office furniture and factory machinery. Depending on the type of business used, there are a range of finance options available to ensure you secure the equipment you need, including hire purchase, chattel mortgages and leasing finance.

Lawrence Commercial can help tailor the correct facility to meet your specific borrowing needs. Contact Lawrence Commercial and find out how we can take care of your business financing needs.

WORKCOVER PREMIUM FUNDING

Spread your WorkCover premium payments to suit your Cashflow. When business expenses are paid at regular monthly intervals, it’s a lot easier to maintain a positive Cashflow.

You now have the opportunity to finance your WorkCover insurance premium. This allows you to spread the cost of your premium over a choice of 6 to 12 monthly installments. Instead of the strain of a lump sum payment, you simply make a single, more manageable payment each month. It’s an easy way to maintain your professional cover while also streamlining your Cashflow.

Insurance Premium Finance offers these attractive benefits to your business.

• Competitive interest rate fixed for 6 to 12 months.

• Pay by the month convenience.

• More manageable payments at regular intervals that help you streamline your Cashflow planning more easily and accurately.

• Convenient direct debit payments from your bank account.

• Simple, no-fuss application process.

Lawrence Commercial can help tailor the correct facility to meet your specific borrowing needs. Contact Lawrence Commercial and find out how we can take care of your business financing needs.

INSURANCE PREMIUM FUNDING

Spread your Insurance premium payments to suit your Cashflow. When business expenses are paid at regular monthly intervals, it’s a lot easier to maintain a positive Cashflow.

You now have the opportunity to finance your Insurance premium. This allows you to spread the cost of your premium over a choice of 6 to 12 monthly installments. Instead of the strain of a lump sum payment, you simply make a single, more manageable payment each month. It’s an easy way to maintain your professional cover while also streamlining your Cashflow.

Insurance Premium Finance offers these attractive benefits to your business.

• Competitive interest rate fixed for 6 to 12 months.

• Pay by the month convenience.

• More manageable payments at regular intervals that help you streamline your Cashflow planning more easily and accurately.

• Convenient direct debit payments from your bank account.

• Simple, no-fuss application process.

Lawrence Commercial can help tailor the correct facility to meet your specific borrowing needs. Contact Lawrence Commercial and find out how we can take care of your business financing needs.

RURAL FINANCE

Finance for rural properties is available on a fully verified or low doc basis.

Flexible lending terms with loans up to 70% of value of property.

Low doc product options are ideal for those people who:

• Do not have financials or the financials show minimal profits
• Are in asset management with existing lender
• Looking for short term finance
• Have credit defaults, Part IX or discharged from Bankruptcy for 12 months

Lawrence Commercial can help tailor the correct facility to meet your specific borrowing needs. Contact Lawrence Commercial and find out how we can take care of your business financing needs.