0427 548 871 michael@bcfin.com.au

Helping meet your identified and desired business goals with REAL finance solutions

Business lending is all about making your company stronger, accelerating growth and profit potential now and into the future.


This may be to:
• purchase YOUR own business premises
• own YOUR current business premises sooner
• expand YOUR business or acquire another
• purchase new machinery to increase business efficiencies
• improve or smooth out cash flow and working capital needs

Whether ready to act now or simply wanting to know what finance opportunities exist B & C Finance is ready to meet and talk with YOU today to offer guidance and support in your business finance journey. All at no cost to YOU, except a bit of YOUR time and at YOUR place of business.

We are confident it will be time well spent.

Click on the loan type that fits with how you want your business to grow for more details…

New property for your business

We can help whether this is YOUR first commercial property purchase or YOU are upgrading to accommodate growth to meet future business goals. We even work with Self Managed Super Fund (SMSF) structures.

With access to a wide range of commercial property lenders we can find the most appropriate loan to meet YOUR circumstances, including great interest rates, loan structures and conditions

Increase efficiency through a re-fit or extension

Not wanting to move to a new commercial property then a refit or expansion of YOUR existing property could be the answer.
To help in this case we firstly review YOUR current situation and then fully understanding YOUR future needs. All resulting in a total business lending solution to meet YOUR business goals.
This solution could be purely leveraged against YOUR commercial property or done in conjunction with separate Equipment Finance solutions to expand the possibilities

Having the right equipment to increase business efficiency and effectiveness

Having the right equipment for YOUR business is critical to optimise efficiency and effectiveness.
Modern day machinery can increase gross margins greatly that flows directly to YOUR bottom line performance.
B & C Finance has access to several forms of finance to assist with YOUR business equipment needs, including Chattel Mortgages, Leases and Import Finance (with FX solutions) if sourcing machinery from overseas.
All of these enable the purchase of a needed business asset today with loan repayments structured over the effective life of the equipment to preserve cash and other tangible assets in the business. It basically allows the equipment to pay for itself

Vehicle finance

transporting service company. commercial delivery vans in rowJust like having good quality equipment in YOUR business to improve efficiency and effectiveness having good quality business vehicles for management, sales staff and to deliver finished products is important.
Through use of finance solutions such as Chattel Mortgages and Leases we can help keep YOUR business efficient and looking fresh.
We can also provide YOUR staff with the tax effective option of novated leasing that sees them use pre-tax dollars to pay for their vehicle expenses and lower their tax expense in the process. Is a great staff retention tool in times where pay rises are difficult to find.

Other Business Cash Flow Solutions

Business strategy businessman planning and finding a solution thThere is an old saying in business that “Cash is King” so being able to improve YOUR cash flow and increase working capital through usage of finance makes sense.
This can be in the form of Cash Flow Finance (also called Debtor or Invoice Discounting Finance) that brings forward the cash cycle from people who owe you money (debtors).

This enables YOU to pay people YOU owe (creditors) on time to keep up strong relations and hopefully obtain a discount in doing so. Remembering most profit is generated in the buying not the selling.
If buying raw materials or goods for resale from overseas then Trade Finance could be the answer as this allows YOU to use the goods in transit as security for purchases made rather than using property or cash, thus expanding YOUR finance capability.
You can also add Foreign Exchange (FX) management to Trade Finance solutions to create certainty of cost when importing.
Cash Flow Finance and Trade Finance work very well in tandem to maximise cash flow effectiveness and to lessen the usage of other fixed asset in the business.

Connect with us to find out how to meet your business finance needs

Call us on the number below or click here to complete an inquiry form