Branching Out - Resimac

Q A
&
Suresh Pillai, Liberty FinanciaL
Why Would a client approach a broker rather than
a lender to access dF?
Large lenders are picky about what small businesses they lend to
so a broker is a great starting point. Small businesses need capital
to grow, so accessing DF through a broker allows them to get the
capital they need to run their business at sustainable levels. Cash flow
mismanagement is a huge reason why small businesses go to a wall
Why is the dF market ripe For brokers?
There are around 2.7 million small businesses in Australia but only
4,647 clients are using DF
What are the big dF opportunities?
DF offers a significant opportunity for a broker to provide advice
outside the traditional consumer sphere. Brokers are able to offer a
client a different perspective when it comes to financing their business
do i need to be a dF expert to diversiFy into this space?
Brokers by no means need to be experts or specialists in this area; they
just need to have an awareness that they can offer this additional tool
If you answered ‘Yes’ to either of these questions, then
you have clients who want your help to meet the financial
needs of their business. We can partner with you to do just
that, while helping to give your own business a boost.
We offer a wide range of commercial products,
including commercial property loans, motor finance
and debtor finance – suited to the needs of small- to
medium-sized businesses and the self-employed – with
competitive rates.
We support our products with a customised approach.
So, unlike other lenders, we consider businesses with
unpaid ATO liabilities and those who require cash-out
to consolidate debts. We know it’s hard for small
businesses to manage the paperwork; that’s why we
offer borrowers several income verification options.
Want more revenue?
of the risk in DF lending sits with
the lenders.
Mr Pillai sees DF as a chance to
diversify and double opportunities
for income flow. “To engage with a
client about business needs and not
just home loans opens up further
opportunities for other forms of
finance,” he says.
The future of DF lending looks
bright. Mr Van Hensbroek is
optimistic and sees DF becoming a
more common and more acceptable
form of finance. In the past,
brokers have concentrated on the
more traditional ways to raise funds
for their clients, but as the industry
seeks to educate and inform
brokers, accountants and advisers
that this product does exist, DF
lending is likely to soar.
liberty financial / profile
Do you have clients who are self-employed?
Do you have clients who run their own businesses?
Some of Liberty’s more popular commercial property
loans include:
LeaseStream: a straightforward loan, allowing
borrowers to use lease income from a commercial
property to satisfy servicing on a ‘stand alone’ basis.
SuperCredit: a product for SMSFs investing in
commercial or residential properties. SuperCredit
offers a streamlined approach, with LVRs of up to 80%
for residential and 70% for commercial properties.
Plus, you’ll get a lucrative remuneration structure,
simple approval process and our on-the-ground support.
Choose freedom, choose Liberty today.
Call our Introducer Hotline on 13 23 88 for
more information.
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