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Commercial loans

Are you tired of financing a lease for your business premises? Are you paying too much while you’re paying off someone else’s asset? You may be surprised to know that Quantum Financial Advisers have access to commercial loans of up to 80% of the purchase value for owner occupied properties.

Traditionally financial lending in New Zealand by the major lending institutions has been financed at a much lower loan to value ratio of around 60 %. Financing commercial property investment has been deemed a little risky in the past, which may be true if you are relying on the lease of a premises to service the commercial loan or the location is less desirable.

Unfortunately this historical commercial lending criteria, has made it difficult for the business owner to get into the market. The juggling act of having to manage cash flow is hard enough in the first few years of running your own business, let alone trying to find a 40% deposit for a financial purchase which in most cases can be a substantial amount of money.

Self-employed people tend to pour their profits back into their business to begin with and because they have not invested in purchasing any real tangible assets with their business profits, there are no assets or certainly not enough for commercial finance lenders to hold as financial security to raise the 40% deposit required to finance major purchases.

Common sense has prevailed!

  • Do you have a profitable business?
  • Do your business accounts clearly articulate your cash flow?
  • Do you have a sensible business plan?

If you have answered yes to the above questions, you may qualify for an 80% commercial finance loan!

We may be able to assist with Non-Conforming Commercial Loans as an alternative if you’re unable to answer yes to the above questions. Non-conforming commercial loans do not generally allow you to finance more than 65 % of the property’s value, but with some creative structuring we have still been able to achieve 100 percent for a number of our clients.

We are professional mortgage advisers and specialise in structured commercial financing. It is our job to understand the market and educate you on available options that best suit your requirements.

We may be able to assist with non-conforming commercial finance loans as an alternative if you’re unable to answer yes to the above questions. Non-conforming commercial loans do not generally allow you to access commercial loan finance more than 65% of the property’s value, but with some creative financial loan structuring we have still been able to achieve 100% for a number of our clients.

At Quantum Financial Advisers we are professional commercial mortgage advisers and we specialise in structured commercial financing, financial planning, mortgages and commercial loans. It is our job to understand the market and inform you about all available commercial loan options that best suit your requirements. Quantum Financial Advisers can provide for your commercial insurance requirements as well.

If you would like more information about:

  • Buying or refinancing a commercial premises for your business or as an investment property.
  • Commercial loan finance available for petrol stations, childcare centres, motels, hotels or any other specialised security.

Please complete the enquiry form and one of our specialist commercial loan financial advisers will contact you today!

Development Finance

Do you want to build your own home, but you are not too sure where to start? Or maybe you are a builder by trade, but you’re having difficulty with the major banks not providing you with sufficient development finances and the right development finance product to suit your requirements?

Quantum Financial Advisers specialise in structuring simple and complex finance solutions for residential and commercial property development finance.

We have a number of development finance lenders who are able to assist with development finance funding of up to 90% of the construction costs or more, providing you have the right security.

Quantum Financial Advisers are your professional development finance advisers and we are specialists in structured development financing. It is our job to understand the development finance planning market and inform you about the best development finance options to suit your financial requirements.

If you would like more information on:

  • Construction and development finance
  • Equity funding
  • Loan restructuring
  • Asset acquisition
  • Sub-divisions
  • Asset lends
  • Land banking
  • Mezzanine finance (2nd mortgages)
  • Bridging finance
  • Professional advice on project feasibility, project management, architectural construction, legal and realty processes

Please call Quantum Financial Advisers, or complete the enquiry form and one of our specialist development finance advisers will contact you today

Business Finance

Starting a new business nearly always requires business capital finance to purchase stock, equipment and to cover general working expenses. Sometimes the unforeseen happens and the financial reserves you had in place to see you through the first 6-12 months of business can disappear a lot quicker than you had anticipated.

You know that you have a great business but the bank doesn’t quite see it that way and won’t let you arrange an overdraft, extend your mortgage or give you a business finance extension to assist you any further.

Whether you’re new to business or a national company, we will work with you to create a business finance solution for just about any requirement.

Quantum Financial Advisers are professional business finance advisers specialising in structured business financing. It is our job to study the business finance market and stay up to date with business finance trends, so we can inform you about all the available options that we would recommend for your business finance requirements.

For more business finance advice and information on:

  • Equity funding
  • Purchasing a business
  • Loan restructuring
  • Asset acquisition
  • Working capital
  • Leasing and hire purchase
  • Equipment finance
  • Invoice discounting

Please call Quantum Financial Advisers, or complete the enquiry form and one of our specialist business finance advisers will contact you today.