The Commercial Finance division of MST Active is committed to providing professional and expert commercial and business finance solutions tailored to your needs. At MST Active, you can be safe and secure in the knowledge that all our commercial partners come from the largest and most qualified groups and regulatory bodies in Australia. We have chosen to partner with them for not only are they vastly adept at navigating turbulent times but they are also committed to treating you, and keeping you as a client for life!
Our Commercial Loan Product and Services Include:
• Commercial Property Finance (Retail, commercial or industrial).
• Property Development Finance.
• General Equipment Finance.
• Motor Vehicle Finance.
• Cashflow Finance.
• Mezzanine Funding.
• Boat Finance (business & personal use facilities available).
• Equipment Rental Insurance.
• Premium Finance (business facility).
• Debtor Finance / Factoring.
• Overdraft Facilities.
• Term Business Loans.
• Merchant Facilities.
• And many more…
We can help you structure and cater the right commercial facility for you as we have the expertise and ability to provide you with the best funding structure tailored to suit your needs with experienced staff in the area of commercial finance, ranging from commercial property investment funding through to development funding and even asset finance for vehicles and equipment.
At MST Active, your business is important to us, that is why we treat you as a ‘Client For Life’. To ensure that all your needs are being met, we will assign you a Personal Relationship Manager (PRM) who will take care of all your needs. Whether you need a Contractor, Solicitor, or get all your documents together, your PRM will ensure you have all the right things in place, to get the result you want when you want them. Your PRM will keep in regular contact with you to make sure you are happy with our services, and see if there are any other professional services that you may need help in.
The most appropriate commercial property finance loans will take into account your individual circumstances and factors including the nature of your business, any other debts outstanding to your business, the financial standing of your business, why you need to borrow the loan and the businesses ability to make timely repayments. We will discuss your needs with you, drawing out all necessary information, then present to you a range of financial solutions that meet your business needs, whether that is taking out a loan for a new commercial venture or to assist in expanding your business, to buy new property or premises, access the equity in your business to manage your debts and cash flow or any other of a range of business finance needs.
Some needs for a commercial mortgage can also be time sensitive, therefore we work with you efficiently to gain loan approval or feedback quickly and meet all achievable deadlines. We also work to source the most practical interest and capital repayments that work in with your financial situation. With access to hundreds of loans from leading bank and non bank lenders, we can assist you in finding the best finance solution for your business investment or commercial finance needs.
Commercial Property Funding
Whether your commercial property is owner occupied or investment we have the right commercial facility for you. Is security important to you? Is obtaining maximum leveraging against the property important to you? Or, is it the best rate possible? We can offer commercial property loans to meet all these requirements. This includes stand alone facilities with no cross collateralisation of securities and income, non-recourse facilities with no directors’ guarantees. High leveraging facilities at up to 85% of the value of the property and facilities with extremely competitive interest rates and fees.
Business Facilities
Business is no different to property, it requires the correct level of and right type of funding. MST Active can structure the right type of business funding for your business, with competitive security structures and pricing.
Development Funding
Property Development is a specialized field of commercial funding requiring an in depth knowledge of what level of debt is considered acceptable risk not only for the financier but also for the developer. We have a wealth of experience in this area of funding we can structure the right development funding package for your next project taking into consideration of such variables as end value of the project, pre-sales and soft costs.
We have the ability to structure facilities up to 90% of total development costs (hard and soft costs) and/or 80% of the developments gross realization value, all on competitive terms and pricing.
Our dedicated and experienced Asset Finance staff, can set up the right Asset Finance facility for you, whether it be Hire Purchase, Lease or Chattel Mortgage on competitive terms and pricing with residuals/balloons that will give you the flexibility to get on with business or enjoy that new purchase.
• Passenger cars
• Light commercial vehicles
• Farm machinery and equipment
• Manufacturing plant and equipment
• Medical and dental equipment
• Office and computer equipment
• Other income producing plant and equipment
• Trucks, trailers and special purpose vehicles
• Machinery, plant and equipment
• Earthmoving and road construction plant & equipment
• IT equipment, software and telecommunications
• Portable buildings
• Office furniture and fit-outs
Contact our Commercial Finance division at commercialfinance@rescom.com.au
Products Available for Leasing and Asset Finance
Chattel Mortgage
• Best suited to business clients on a CASH BASIS in order to claim full GST amount.
• Client owns the asset and Lender takes security over goods.
• GST inclusive amount is financed.
• Deposits or trade-in equity allowed.
• Interest and depreciation generally tax deductible.
• Balloon payments may be included in structure.
• Interest rate and payments are fixed for term of loan.
Commercial Hire Purchase
• For business clients on an ACCRUAL BASIS or not registered for GST,
but have “business use” of an asset.
• GST inclusive amount is financed.
• Deposits or trade-in equity allowed.
• Interest and depreciation generally tax deductible.
• Clients on accruals method claim FULL GST amount via BAS vs clients on cash
method who must claim GST on a prorate basis over term of contract.
• Balloon payments may be included in structure.
• Interest rate and payments are fixed for term of loan.
Finance Lease
• Lender (Lessor) owns the asset.
• Client (Lessee) rents the asset via a fixed payment.
• GST exclusive amount is financed.
• No deposits or trade-in equity allowed.
• Rentals are claimed by the client as a tax expense.
• GST is levied on rentals and claimed via BAS return.
• Residual values must meet ATO guidelines.
• Client indemnifies the lender for residual value.
• Rentals and interest rate are fixed for term of lease.
Novated Lease
• Used by PAYG applicants wishing to salary sacrifice.
the cost of owning and financing a car of their choice.
• Does NOT have to be used for business or work purposes.
• Lender enters into finance lease with the client (employee).
• Client then enters into a novation agreement with their employer.
• Employer makes the rental payments to the lender
via the client/employee’s pre-tax salary and claims the deduction.
• Credit decision is based on credit-worthiness of the client/employee.
• If client leaves the employer, responsibility for the
lease (including repayments) reverts to the client.
• Residual values set in accordance with ATO guidelines.
• Client indemnifies the lender for the residual value.
• Off balance sheet facility for employer.
Important Notes
If you have business clients with ongoing requirements to purchase vehicles and/or equipment you can arrange a Bulk Limit Facility or Line of Credit with most providers. This ensures an easy process each time a new asset is acquired.
Sale and lease/hire backs and private sales may be provided to good clients. Increased rates and fees are applicable and conditions may apply.
Recent studies show that 85% of Australians are
confused or confess to having ‘no idea’ about obtaining finance for
major purchases with 54.6% of these people finding their major purchases
even before seeking financial information. With so many options many
people just do not know where to start. At MST Active, you can be safe
and sure in the knowledge all Finance Professionals we recommend to you
without exception carry all relevant regulatory requirements and come
from the largest and most qualified lending associations, groups and
regulatory bodies in Australia. We have chosen to partner with them for
not only are they vastly adept at navigating turbulent times but they
are also committed to treating you, and keeping you as a “client for
life!” all eager to help you! At the very least we could introduce you
to these people and you can have a quick chat on the telephone in the
initial stages.
Since 2008, the Australian Commonwealth Government has decided to
regulate the credit code across the entire country, as there have been
varying degrees of regulation and licensing from State to State. This
means from 1 July 2010, all companies and individuals who deals with
credit and lending, will be required to hold a Credit License that is
recognise Australia wide. The license will be regulated by the
Australian Securities and Investment Commission, the highest level of
regulatory body in Australia. This means there is better protection and a
higher quality of professional service for you.
All MST Active Finance Professionals will have this license, and their
credit license number will be freely available for inspection on our
website. It is important that no matter which Finance Professional you
see, whether they are a Financial Planner or Mortgage Broker, when they
deal with credit then do ask them for a credit license number, and
verify that number on the ASIC website.
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You can find out more about other services we
provide, just follow the links below.
By choosing an MST Active Finance Professional you can be sure that they are Independent and only offer advice that has your best interest in mind.
• Did you know that 98% of all loans in Australia are now given to the major Banks?
At MST Active we are proudly independent. You can be safe in the knowledge that our Aggregation Model means that all Finance Professionals we recommend to you are not owned or dictated to by any banks. This means the advice they give to you is with your interest at heart, and we ensure that the loans we recommend to you are the best available.
• Did you know that 98% of all loans in Australia are now given to the major Banks?
At MST Active we understand that we will need to work with the banks, however we will NOT recommend their products unless it is the best value product for you, out in the market today.
• Did you know in six months since GFC, the banks had made an extra $100 billion, that is 5 times the amount in the Governments Futures Fund?
With many banking institutions, building societies and credit unions that offer fee free banking services, why pay for an account when you can have it for free? At MST Active, our Independent Financial Consultants have a range of products that you can choose from and tailor them to what you want, when you want it!
• The major banks made $22.6 billion last year in fees and commissions alone?
An MST Broker just doesn’t just give you an off the shelf loan package that everyone else gets! Every client we assist has an individual financial model designed specifically for them by our strictly independent finance professionals. We help you take charge and control of your financial situation by providing you with valuable expertise and knowledge as well giving you total access to the growing number of services available at MST Active that will assist both you and your family.
• Did you know if you request a loan discharge it may take over two weeks before the banks get back to you with just a “convince you to stay” call?
With many banking institutions, building societies and credit unions that offer fee free banking services, why pay for an account when you can have it for free? At MST Active, our Independent Financial Consultants have a range of products that you can choose from and tailor them to what you want, when you want it!
• Did you know if you make multiple enquiries at the banks and they each give you a pre-approval, it will affect your Credit Rating and might make it harder for you to get a unconditional approval?
MST Active’s mortgage brokers take great pleasure and satisfaction in saving you countless hours, pain, stress and money with the service they provide which they deliver to you with a level of unprecedented level of professional service. We help you take charge and control of your finances so that everyone of your hard earned dollar works for you, rather than you work for it and we can help you with improving your whole financial structure or in just one or two areas that may need an overdue update so that you get the results you what you want, when you want them!
• Did you know Canadian banks that source their funds from the same international market as our Australian banks only work on a 2% margin as opposed to our banks 2.8%?
In today’s market place, finding a quality home loan or refinancing product from a secure lender is crucial for your financial security and that is why we offer over 40 lending institutions all eager to help you and even if you already have the lender you wish to use and they are not on our panel, then that is not a problem either! MST Active provide a free no obligation appointment with the most qualified and independent of professionals that have the time and the support to get you the results you want, when you want them!
• Did you know Canadian banks that source their funds from the same international market as our Australian banks only work on a 2% margin as opposed to our banks 2.8%?
In today’s market place, finding a quality home loan or refinancing product from a secure lender is crucial for your financial security and that is why we offer over 40 lending institutions all eager to help you and even if you already have the lender you wish to use and they are not on our panel, then that is not a problem either! MST Active provide a free no obligation appointment with the most qualified and independent of professionals that have the time and the support to get you the results you want, when you want them!
• Did you know the profit margin over and above the banks costs of funds was 1.67% in 2008, and has now risen to 1.88%?
Is finding that perfect property a challenge? Finding that elusive home, investment or commercial property can be a real time-consuming challenge; MST Active’s buyers advocates provide a property buying advisory service to their clients, which enables these clients the ability to assess the real value and potential of property acquisitions which in general would not be available to them as laymen. MST Active take all the stress and anxiety out of the buying process leaving you completely hassle free with no stress to enjoy the results you want, when you want them!
• You could save up to $4300 a year, if you switched your loans from a bank to a cheaper lender?
At MST Active, you can be safe and sure in the knowledge all our Home Loan Professionals we recommend to you without exception carry all relevant regulatory requirements and come from the largest and most qualified lending associations, groups and regulatory bodies in Australia. We have chosen to partner with them for not only are they vastly adept at navigating turbulent times but they are also committed to treating you, and keeping you as a “client for life!” all eager to help you!
• The banks made a swift $17 million by passing on interest rate rises faster than they cut them?
At MST Active we understand that we will need to work with the banks, however we will NOT recommend their products unless it is the best value product for you, out in the market today.
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