Whether it is commercial property, SMSF lending, business growth or vehicles and equipment, finance can fuel your momentum.
If you’re a property investor, business owner or self-employed, you need a commercial strategy to ensure you’re positioned for growth, taking hold of all opportunities and freeing up your cash flow.
At KnowHow, we have a dedicated and experienced commercial finance team to help you with:
- Commercial Property
- SMSF Lending For Property
- Buying A Business
- Capital Raising For Business Growth
- Commercial Assets And Vehicle Loans
Commercial Property
Investing in commercial property, whether for your personal portfolio or your business, provides great income and capital growth opportunities. Finance, including both strategy and products, plays a key role to make this happen.
Commercial property provides many benefits, including:
- Income potential: For investment properties, commercial real estate can generate consistent rental income, usually with longer lease terms than residential properties. Unlike residential property, the costs of maintenance, rates and repairs are often paid by the lessee – not the landlord.
- Long-term value: Owning commercial property can provide long-term stability and appreciation, providing a tangible asset that can grow in value over time.
- Business security: Owning your own business premises can protect your business from rental market uncertainties and provide stability for both your operations and customers. Funding your own business premises through your SMSF also gives you substantial benefits.
When working with KnowHow Property, you get access to our expert team, professional property network and strategic support, including:
- Flexible loan structures: Financing options can be customised to suit owner-occupied or investment purposes, with competitive interest rates and terms based on your circumstances.
- Complex structures: Our team can help you navigate varying structure complexities, from single-entity organisations to multi-level unit trusts.
Book a free call with our expert team to talk about your commercial property goals.
SMSF Lending For Property
Investing in property through a Self-Managed Super Fund (SMSF) is a great strategy for many Australians looking to grow their retirement savings while having more control over the diversity of their investment portfolio.
With our team’s experience in SMSF lending, we can guide you through the complexities of purchasing property within your SMSF, ensuring a smooth process and optimal outcomes.
SMSF lending provides many opportunities, including:
- Diversification: Owning Residential or Commercial property within your SMSF allows you to diversify your superannuation portfolio, reducing reliance on traditional investments like shares and bonds.
- Tax Efficiency: Income from the property, such as rent, is taxed at a concessional rate of 15% within the SMSF. If the property is held until the pension phase, capital gains tax can be reduced to 0%. Income from the property, such as rent, is taxed at a concessional rate of only 15% within the SMSF (which is half of the full company tax rate outside of super).
- Leverage: Your SMSF can borrow money to purchase property, allowing you to invest in assets that may be otherwise unattainable, and enhancing the potential for capital growth.
- Leaseback: Existing business owners could potentially look to save (through tax concessions), make money via the purchase, and often potential leaseback, of commercial property.
At KnowHow Property, we’re property finance strategists with your lifestyle goals and dreams front of mind. We’re focused on:
- Long-Term, Sustainable Growth: Using your SMSF to grow your wealth with property and position you to achieve your lifestyle goals.
- Control and Flexibility: SMSFs give you control over investment choices, allowing you to tailor your property investments to suit your strategy.
There are SMSF borrowing guidelines, including an LVR up to 80% of the property value, a deposit usually around 20 to 35%, a recommended fund balance of at least $100,000, and the need to prove that there is sufficient income to support the loan.
Book a free call to learn more about whether SMSF lending right for you and how to get started.
Buying a business
Acquiring a business can be a game changing opportunity, allowing you to own a bigger slice of your market, instantly increase revenue and achieve long-term growth.
With the right strategy, financing a business acquisition can open the door to:
- Readymade growth: Buying an established business can provide immediate access to a proven business model, customer base and revenue streams.
- Instant and growing equity: By financing the purchase, you can build equity in the new business while retaining working capital for ongoing operations.
When you work with the commercial finance experts at KnowHow, you get:
- Tailored Financing: Business purchase loans can be customized to suit the specific needs of your acquisition, with options for structured repayments and flexible terms.
- Quick access to capital: Our streamlined processes allow for to get your funding fast, ensuring you can jump on an opportunity when it arises.
Book a free call to talk about your business acquisition plans.
Capital Raising For Business Growth
Raising capital is essential for fast-growth companies, whether it’s to enter new markets, invest in technology, better manage seasonal fluctuations or increase capacity.
Finance can be used to fuel momentum, setting up your business for:
- Accelerated growth: With the right capital structure, your business can scale rapidly, taking advantage of new opportunities and staying ahead of the competition.
- Financial stability: Well-structured capital raising can provide the stability needed to ensure growth is sustainable and to weather market fluctuations.
With the finance strategist at KnowHow, business leaders get:
- Flexible funding solutions: Capital can be raised through various channels, including debt financing, equity financing, or a combination of both, tailored to specific business objectives.
- Custom Strategies: Financing options are designed to align with your business’s growth plans, ensuring that you have the necessary resources without overextending your financial commitments.
Book a free call to talk about your business growth plans.
Commercial Asset And Vehicle Loans
Whether you’re looking to purchase new equipment, technology or vehicles, commercial finance provides a key way to keep your business at the cutting edge.
A strategic and well structured asset loan can:
- Improve cash flow: By financing assets, you can maintain liquidity, enabling you to invest in other areas of your business.
- Provide tax advantages: Depending on the structure of your finance, there may be tax benefits available, such as deductions on interest payments or depreciation.
KnowHow supports its clients with:
- Diverse financing options: Solutions include hire purchase, leasing, and chattel mortgages, offering flexibility depending on your cash flow and tax requirements.
Bear in mind that this type of finance does not cover trade and operating expenses or property.
Do you qualify for commercial and business finance?
- Generally you must operate through an Australian SME, sole trader, trust, company or partnership
- You must be an Australian citizen or Permanent Resident and over 18 years old
- You must have a business bank account that matches ABN/ACN (3-6 Months).
- You must be operating your business for a minimum of 1 Full Financial year (2 years is generally the preference by most banks)
- For a new business purchase you need a good business plan, which helps to demonstrate you have researched and understand the business you are purchasing
We’ll walk you through the process and handle any questions you may have.
Book a free call with our expert team.
Loan and Finance Strategy
With KnowHow, it’s not just a loan. It’s finance to facilitate your desired lifestyle and business plans, to help you achieve your goals, sustainably and affordably.
Our savvy clients work with us to develop a complete finance strategy, factoring in their home loan, car loan, investment loans, business loans and any other finance, to optimise their structures, ensure they’re getting the possible deals, consolidate debt and maximise savings and borrowing capacity.
Without a strategy for your finance, you run the risk of missing out on cost saving opportunities, making mistakes and falling into debt that you can’t manage.
Don’t limit yourself to your bank
If you’re going straight to your bank for a loan, you’re unlikely to be getting the best possible deals and missing out on the opportunity to explore the market.
You’re also unlikely to be getting the strategy to ensure that your finance lines up with your vision and is structured the best possible way.
And remember, being ‘loyal’ to your bank actually costs you money!
Meet KnowHow’s Tim Newman
With experience across a wide range of commercial finance needs including handling complex financial structures, Tim Newman provides wide-ranging, strategic solutions that meet the unique needs of your business.
Whether you’re a business leader, entrepreneur or part of a group of investors, Tim can help you achieve your business and investment goals.
Get in touch with your KnowHow commercial finance team
KnowHow has dedicated Commercial Finance specialists ready to talk about your strategy and needs.
Set up a free call with our expert team.
