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The Finance EZI team understand that most people don’t have the time to research the best business financing options. We take the stress out of your search!

We have your finance solution. Because of the array of lenders at our disposal, Finance EZI will source the best solution to help manage & grow your business. No matter what your business size, we can support your goals; with a quick and not to mention timely response. We provide thousands of Aussie’s every year with cheap, low-cost financing sourced from a number of different bank and loan companies. Most importantly, our low rate loans are the best in Australia.

By and large, from asset financing options, debtor financing solutions to revolving lending facilities, our team at Finance EZI can help.

APPLY ONLINE and our team will provide you with a fast accurate business finance and answer any other questions you may have.

Call us today on 1300 003 003 or fill out our finance approval form to have an expert call back at a time which suits you.

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What is business finance?

Business finance is the corpus of funds and credit utilised by business owners to start, run, or expand their commercial operations. It involves managing various financial aspects, including equity finance, debt and equity, and bank loans. Strong finances are essential as the business grows, underpinning its success.

Learn more about online business loans from Finance Ezi.

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Essential Steps for Securing Business Debt Finance

When you’re starting or expanding a business, it often calls for securing debt finance. Here are some important steps to keep in mind:

  • Calculate the finance you’ll require
  • Develop a solid business plan
  • Think about your loan repayment timeline
  • Assess your capacity to make payments on the loan

Get in touch with a financial consultant from Finance Ezi to help you make smart financial choices. This could mean exploring investments or leases as part of your plan.

Types of Business Finance in Australia

Once you’ve made up your mind that it’s the right time for business finance, you’ll need to pick from a variety of business finance options for small businesses in Australia. So, let’s take a look at some of the loans available.

Traditional Bank Term Loans

Traditional bank term loans are a popular form of business finance. These loans require business owners to provide financial statements and typically have a set repayment period with interest. They offer a lump sum of money that can be used to cover various business expenses, including set-up costs.

Business Equity Loan

Business equity loans involve raising capital through equity finance, which includes equity crowdfunding, angel investors, and venture capital:

  • Equity Crowdfunding: This method allows businesses to raise funds from the public by offering shares in their company. It’s a quick and straightforward way to generate capital, particularly beneficial for start-up businesses.
  • Angel Investors: These individuals invest their personal funds into promising businesses, providing not only financial support but also valuable expertise and connections.

Venture Capital: Venture capital firms invest in high-growth potential businesses in exchange for a share of the business. While they provide significant funding, they often require a stake in the company.

Types of Business Finance in Australia

Once you’ve made up your mind that it’s the right time for business finance, you’ll need to pick from a variety of business finance options for small businesses in Australia. So, let’s take a look at some of the loans available.

LOW-DOC OR NO-DOC BUSINESS LOANS

Low-doc or no-doc business loans are designed for those who cannot provide complete financial statements. They are popular among self-employed individuals and small businesses with irregular incomes. Despite being quick and straightforward to obtain, these loans often come with higher interest rates due to the increased risk to the lender.

UNSECURED BUSINESS LOANS

Unsecured business loans do not require any collateral, meaning business owners do not need to use residential or commercial property as security for the loan. This type of loan is attractive to those who do not want to risk their assets, but its shortcoming is typically a higher interest rate due to increased lender risk.

SECURED BUSINESS LOANS

Secured business loans, on the other hand, do require collateral. This could be in the form of residential or commercial property used as security for the loan. These loans can offer lower interest rates as the lender’s risk is reduced. However, the downside is that defaulting on the loan could lead to the loss of the property.

Choosing the right business loan depends on your financial situation, the nature of your business expenses, and your risk tolerance. From debt financing like bank term loans to equity finance options, each has its advantages and disadvantages. At Finance Ezi, we can help you navigate these business finance options and find the right one for your business.

Whatever your reason for seeking finance, it’s a good idea to get some professional advice before making any decisions from the options available.

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What Can A Business Loan Do For Me?

Consistent cash flow? A business owner can hold many ambitions as well as strategies. Nevertheless, even the best-laid plans can go askew if missing some appropriate business financing. Commonly, suppose a business holder is dealing with the concept of whether there is satisfactory cash flow available to accurately carry out the crucial proceedings for the proper running of that business. In that case, it can merely produce turmoil in the future.

Above all, it is imperative that a business owner retains the facility to access satisfactory finances. Being able to relax so they are able to produce the structures and actions vital to becoming a rising entrepreneur. As a result, quite often, it is a business loan that supplies such comfort to the entrepreneur. Permitting them to continue to focus on the essential segments of their lucrative commerce activities.

Do I Need An Unsecured Or Secured Business Loan?

The loan options meant for business finance include the secured business loan or the unsecured business loan.

Firstly, for the secured business loan, the recipient of the loan is required to be capable and prepared to put forward something as a guarantee against the loan amount. This collateral may be in the way of property, buildings, and/or equipment. In other words, putting forward collateral certainly aids the loan recipient

in gaining favour with the lending agency. This frequently results in various advantages in favour of the business holder. These advantages may be in the way of the length of the duration of your loan, interest rates, penalties, and/or postponement needs, with a range of added terms and conditions. Take into account if you opt for a longer loan period, the repayments will be a lesser amount.

Alternatively, an unsecured loan may have various rewards for the business. Such rewards may consist of less paperwork, faster evaluations by a loaning agency, and

support for a business holder who is unable to offer a guarantee of any type. Mostly, in spite of this, the settlement length for this style of business loan is smaller, and furthermore, interest rates can be larger.

What Preparation Do I Need To Do Before Applying For A Business Loan?

Get your business prepared. Ahead of applying for a business loan of any type, the entrepreneur is required to be arranged and orderly. This means drawing together commerce finance paperwork such as balance statements, tax documents, profit and loss statements, and some extra things that may be required from the borrowing organisation.

On the whole, the more organised you are, the better your impression of the loaning agency. Lending agencies like to believe the people they loan money to can be responsible and orderly. Importantly, showing the capacity to give the lending agency all documents they call for in a sensible fashion, along with any prearranged forms, will definitely aid in enhancing the way a borrowing agency sees you.

Therefore, the person intending to borrow should remember that business loans are proposed to earn you cash, not cost the business funds. This means that the funds you loan need to be used intelligently with the purpose that every bit is spent to boost revenue exponentially. Consequently, a decent record-keeping practice, as well as recurring assessments of the expenditure along with income, is crucial if making certain that the loan is going towards correct use within different areas of business.

Can Finance EZI assist start-up businesses with financing?

Get your business prepared. Ahead of applying for a business loan of any type, the entrepreneur is required to be arranged and orderly. This means drawing together commerce finance paperwork such as balance statements, tax documents, profit and loss statements, and some extra things that may be required from the borrowing organisation.

On the whole, the more organised you are, the better your impression of the loaning agency. Lending agencies like to believe the people they loan money to can be responsible and orderly. Importantly, showing the capacity to give the lending agency all documents they call for in a sensible fashion, along with any prearranged forms, will definitely aid in enhancing the way a borrowing agency sees you.

Therefore, the person intending to borrow should remember that business loans are proposed to earn you cash, not cost the business funds. This means that the funds you loan need to be used intelligently with the purpose that every bit is spent to boost revenue exponentially. Consequently, a decent record-keeping practice, as well as recurring assessments of the expenditure along with income, is crucial if making certain that the loan is going towards correct use within different areas of business.

How does Finance EZI determine the best loan option for my business?

Finance EZI employs a personalised approach to determine your business’s most suitable loan option. We start by understanding your business’s unique needs, financial situation, and future goals. Our team then compares various loan options from our network of lenders, considering factors such as loan terms, interest rates, and repayment structures. Our goal is to find a financing solution that aligns with your business objectives, whether it’s for expansion, managing cash flow, or other specific needs.

Why Do You Need Business Finance?

Business finance is essential for multiple purposes. It fuels expansion, enables purchasing new assets, and supports hiring additional staff. It also facilitates replenishing resources and allows refinancing to manage existing debt. In essence, business finance provides the necessary capital that helps sustain growth and operational efficiency in a dynamic business environment.

What is the Function of Business Finance?

Business finance, sometimes called corporate finance in the business world, is important in managing a company’s economic aspects. It’s responsible for allocating resources, making economic forecasts, and exploring equity and debt financing opportunities. This helps businesses secure funding, manage equity capital, and make smart financial decisions that fuel growth and profitability.

How Can I Get My Loan Approval

Show the banks your strength. Bank business loan companies usually agree to give business loans to entities that can demonstrate their business to be responsible in addition to being beneficial probability.

This can be accomplished by being armed with a satisfactory business proposal. In addition, well-organised business finance paperwork is obtainable for perusal by the lending representative(s).

Furthermore, in this situation, you are willing to provide your financial organisation with all essential records. Confidently & predictively displaying the contemplated impact that the extra finances may have on your past income. The fact is, you are most likely an impressive applicant for a business loan.

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what our Clients say…

I have been a client of Finance Ezi for close to seven years and my dealings with Ryan since his appointment as Finance Manager have been excellent. His foresight to look outside the box and therefore the big picture has been a blessing. Ryan’s processing of paperwork is impeccable and in my circumstances, like most applicants, there is always something different with every application. Therefore, I have great respect for Ryan and will continue to utilise his knowledge and experience.

Peter Jones

Partnering with Finance Ezi is the direct bridge to your business’ overall financial success. With access to domestic and global funds, you can be confident that your business will receive the ultimate finance deals to optimise your customer relations and profits.

Frank Smith

We have had the easiest approval and helpful service from you. You are a credit to the company and we are extremely happy with the outcome. We are looking forward to getting the boat on the water and have booked our boat license. We would not only recommend you to our friends/family but will definitely return for future finance. Thank you so much.

Fiona Carroll

WE MAKE FINANCE EZI. CALL US ON 1300 003 003

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