Business Loans
At Rizon Finance, we're Mortgage & Finance Brokers helping clients Australia-wide grow their business and purchase equipment with a Business Loan
Rated 5 from 3 Reviews
At Rizon Finance, we're Mortgage & Finance Brokers helping clients Australia-wide grow their business and purchase equipment with a Business Loan
Rated 5 from 3 Reviews
In today’s competitive market, securing the right Business Loan can be the cornerstone of success for many entrepreneurs and business owners. From bolstering your cash flow to acquiring crucial equipment, or even purchasing a dream property to expand your empire, a well-structured business loan could unlock untold potential for your company. Understanding this, Rizon Finance emerges as a prime choice for any business looking to navigate the complex terrain of financial products efficiently.
Why should clients choose Rizon Finance, you might wonder? Our versatility and access to an extensive network of banks and lenders across Australia sets us apart. Whether you're in the market for a secured Business Loan using your assets as collateral, or an unsecured Business Loan that requires no such backing, our team at Rizon Finance is equipped to guide you through the assortment of options available, ensuring that you find a perfect match for your business needs.
The spectrum of Business Loan possibilities is broad, encompassing everything from variable interest rate loans that fluctuate with the market, to fixed interest rate loans that offer the security of consistent repayments. With Rizon Finance, navigating these options becomes straightforward. We provide tailored advice on which loan structure might best suit your objectives, whether it’s a loan with flexible repayment options for better cash management, a progressive drawdown facility to support ongoing projects, or a revolving line of credit that ensures you always have access to working capital when you need it.
Our understanding of the business landscape, particularly the importance of keeping operations smooth and responsive, positions us uniquely. Thus, we champion flexible loan terms, including the option for a redraw facility on certain loans, giving you the agility to respond to unexpected expenses or opportunities without undue stress.
Applying for a Business Loan can often seem daunting, but with Rizon Finance, it needn’t be. Our application process is streamlined and supportive, designed to take the hassle out of securing financing. As a Bannockburn based Mortgage & Finance Broker, our local insights coupled with nationwide perspectives ensure that we are perfectly positioned to assist businesses across the spectrum, from those looking to purchase their first piece of commercial real estate, to established companies aiming to buy out a competitor or simply upgrade their operational infrastructure.
Choosing Rizon Finance means partnering with a team that’s committed to understanding your business’s unique challenges and opportunities. Our expertise in loan structures, from secured to unsecured, fixed to variable, coupled with our comprehensive approach to your financial health, ensures that obtaining a Business Loan through us is not just about accessing funds, but about fostering sustainable growth for your business.
Embarking on the journey to secure a Business Loan with Rizon Finance does more than merely cover immediate expenses; it propels your business forward, ensuring that you have the capital necessary to seize opportunities, overcome challenges, and realise your business ambitions.
AT
Alana Trait
Finances have always been a struggle of mine but Daniel made the whole process easy and we were able to work out the best option for my financial situation :)
TS
Tanya Shepard
Daniel is a total professional while providing that personal touch, he gives good communication which helped me work through the process of achieving a great financial solution. I have already passed on his details to friends and family looking for similar services, I have no hesitation in recommending his services.
CT
Clive Talbot
The Australian Government offers a number of schemes to assist first home buyers, such as:
• A $10,000 First Home Owner Grant when building a new home valued under $750k
• Stamp duty exemptions for properties valued less than $600k
• Concessional stamp duty rates on properties valued at $600-750k
• Access to shared equity and 5% deposits through the Victorian Homebuyers Fund (VHF)
• Federal schemes, including the Home Guarantee Scheme, Help to Buy, and First Home Super Saver Scheme (FHSSS)
Rizon Finance specialise in this area as we understand it can be a challenge as not all lenders would consider these circumstances. We have access to niche lenders that accommodate this type of lending.
There are a variety of home loan products available, each with its own features and benefits. Some common types include:
• Fixed-rate loans: Offer certainty in your repayments over a fixed term.
• Variable-rate loans: Interest rates can fluctuate with market conditions.
• Interest-only loans: You only repay the interest on the loan for a set period, then begin repaying the principal amount.
We can explain the different loan options and help you choose the one that best suits your needs.
We certainly can. We help you navigate what assistance may be available to you as we understand getting your foot on the ladder as a first home buyer can be a difficult and daunting process.
We understand there are many reasons why people may experience forms of financial difficulty/credit problems and work with each scenario to understand them. Rizon Finance can speak to each lender to fight your case to secure lending.
The comparison rate is a more accurate reflection of the true cost of a loan than the advertised interest rate. It includes the interest rate as well as most fees and charges associated with the loan. Comparing the comparison rates of different loans will help you find the most cost-effective option.
Rizon Finance can understand your business and source great deals for Self-employed applicants.
There are many benefits to using Rizon Finance. Here are a few:
• Access to a wider range of lenders: Rizon Finance work with a large and reputable panel of lenders, so we can find you a loan that best suits your needs and financial situation, even if you don't qualify for a loan from your own bank.
• Personalised service: Rizon Finance take the time to understand your individual circumstances and goals, and then recommend the best loan options for you.
• Expertise in navigating the loan application process: Rizon Finance assist with all the paperwork and liaise with lenders on your behalf, saving you time and stress.
• Compliance: Rizon Finance operate in a highly regulated environment and provide recommendations. Therefore, we have a duty to all our clients to provide appropriate products in the best interests of our clients
The amount you can borrow will depend on a number of factors, including your income, expenses, savings, credit score, and the property value. We can help you determine your borrowing capacity and ensure you borrow responsibly.
The documents you will need to provide will vary depending on your individual circumstances and lender, but some common documents include:
• Proof of income (payslips, tax returns)
• Photo ID
• Bank statements
• Evidence of savings deposit
• Details of the property you are purchasing (contract of sale)
• Details of assets
• Statements for liabilities
Rizon Finance will provide you with a complete list of required documents once we begin working with you.
The loan application process typically takes 4-6 weeks, but this can vary depending on the complexity of your application and the lender's processing times. We will keep you updated throughout the process.
Don't despair! We can help you understand why your application was declined and work with you to improve your chances of approval in the future. This may involve improving your credit score, saving a larger deposit, or finding a guarantor.
Rizon Finance do not charge you any fees. We get paid a commission by the lenders. All commissions are disclosed and discussed upfront before you proceed with an application.
In addition to your mortgage repayments, there can be a number of ongoing costs associated with a home loan, such as establishment fees, account fees, and lenders mortgage insurance (if applicable). Rizon Finance will help you understand these costs and factor them into your budget.
Tomlinson, Daniel ABN: 90 232 048 159. Credit Representative #561000 is authorised under Australian Credit License #384324.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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