- Part of the offer
- Security
- What to review
- Eligibility, valuation, existing claims and release conditions.
Business lending
Business lending backed by eligible assets.
Finanzer is developing business credit supported by eligible assets or contracted cash flows. The review considers what you need to fund, the security available and how you expect to repay.
Evidence
Review the business as well as the asset.
The proposed assessment brings together the use of funds, collateral, existing debts and expected cash flows. The asset supports the credit; the business still needs a credible way to repay.
Facility
Prepare, review, fund and service.
Keep the evidence and decision from each stage available to the people responsible for the loan.
Prepare
Structure business and asset evidence; identify missing information.
Assess
An authorised credit team reviews the proposal under the applicable policy.
Agree and fund
Confirm terms, eligible capital and settlement conditions.
Service
Monitor obligations, match payments and review changes in the asset position.
Capital
Funding and protection have different jobs.
Lender capital finances the facility. A separately agreed protection arrangement may absorb defined losses. The borrower remains responsible for repayment.
Understand funding and settlementObligations
Understand the obligation before borrowing.
The offer must make these matters clear.
| Part of the offer | What to review |
|---|---|
| Security | Eligibility, valuation, existing claims and release conditions. |
| Cost | Interest, arrangement, servicing and settlement charges that apply. |
| Repayment | The source, schedule, method and treatment of early or late payments. |
| Changing circumstances | What happens if cash flows weaken or collateral value falls. |
- Part of the offer
- Cost
- What to review
- Interest, arrangement, servicing and settlement charges that apply.
- Part of the offer
- Repayment
- What to review
- The source, schedule, method and treatment of early or late payments.
- Part of the offer
- Changing circumstances
- What to review
- What happens if cash flows weaken or collateral value falls.
The applicable agreement may allow enforcement or sale if its requirements are not met. The terms and legal rights must be reviewed before committing assets.
AI is intended to assist evidence and review preparation. Lending authority remains with the authorised credit decision-maker.
Discuss the assets behind your funding need.
Tell us what you want to finance, the assets or cash flows available to support it and the intended source of repayment.