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What sets CapLend (well) apart from their competition is:
* The quality of service provided;
* Their knowledge, expertise and wisdom;
* The depth of information he requires to provide himself with the best research into a client’s needs;
* Their availability both in and out of hours, coupled with endless patience and good humour; and
* A unique ability to see the bigger picture, solve problems and provide real world solutions.
Peter’s mantra is “There must be a way…” and he invariably finds it.
We are delighted — truly delighted — with the results.
Ross. Enquire Now
We have found CapLend to be very professional and effective at delivering the results we need in debt management, understanding budgeting and restructuring our finances.
Peter from CapLend is not only very knowledgeable and systematically detailed in addressing our situation, but has an extensive network of contacts with whom he constantly worked to get our results.
Their clarity of fees and charges is a welcome relief compared to other professions that charge large monthly bills. We have found that CapLend gave us a very cost effective service with excellent results.
Geoff D Enquire Now
You are amazing!! Thank you.
You have brought our creditors under control and we are now able to focus on building our business because of you.
John R. Enquire Now
We were recently approached by an artist couple to raise funds for them to attend an international exhibition where they had strong verbal indications that their art would sell.
They had difficulty demonstrating any degree of serviceability and their trading figures were almost non-existent due to the long time it took to create the art so it was not possible to use traditional lenders for them. CapLend was able to secure the funding for them to travel abroad and show their art.
Sharon. Enquire Now
Land Development Cost finance provides funds for property developers to undertake the acquisition and construction of the development project, and typically also includes soft costs such as architecture, engineering and interest costs.
This is the most common form of development finance and is generally limited to a maximum of between 60%-65% of the overall Land Development Costs of the development project. You may be required to achieve a per-determined level of pre-sales before finance approval will be granted.
Gross Realisable Value finance provides funds based on the projected end value (excluding GST) of the property development. Under this finance method, you may be able to borrow to a maximum of between 45%-65% of the expected end value of the final development, potentially enabling you to fully cover both hard and soft costs without incurring any out-of-pocket expenses. Pre-sales are often not required when using GRV finance, but it is generally used for smaller developments only (under $5.0 million).
Mezzanine finance is usually only available to experienced property developers. It involves money lent to the project by core lenders topped up with loans or equity positions from private investors and other specialist lenders. The interest rate on a mezzanine finance facility is normally substantially higher than other property development finance but it typically comprises a smaller portion of the total borrowing for a project, so that the overall averaged cost of funds is kept within workable limits for the project.
Individual lenders will consider a varying number of factors to determine if your project fits their lending model, including ...
Experience can play an important role in securing finance, but if you are new to property development that doesn’t mean you won’t be able to secure funding. However, new developers may have to provide additional capital, and may not be able to borrow as much money. Depending on the lender, new developers may also need to appoint an approved and experienced project manager in order to secure suitable finance.
Interest only loans are the most popular for investors because your borrowing costs are often completely tax deductible. There are many other options however so talk to us about your requirements and we will make some recommendations.
The more equity (deposit or your own capital) you can provide from the start of a development project, the more favourably a lender is likely to view your application for development finance. A greater equity stake will reduce the risk of financing the project for the lender, as well as your overall development costs.
Most lenders need to assured that your project is profitable and will be capable of repaying the borrowed monies together with the interest on the loan. Typically, lenders will appoint a valuer to assess the project. They will also require you to provide a financial plan as to how and when the borrowed monies will be repaid.
Lenders always want to know the purpose of the development, as this forms part of their risk assessment of the project. Specific purpose development usually attract more conditions and sometimes higher rates than more general developments.
Depending on the scope of your project, the costs of property development and construction may include:
Unsecured business loans are used for business with strong cash flow and balance sheets but do not have real-estate security to offer the lender. It may involve personal uarantees, charges over the business or assets of the business. These loans are more expensive than secured loans because the risk is generally assessed as being higher than secured loans. They are a very effective way of raising short term cash for an established business, buy back your business from Receivers or bankruptcy, raise short term farm loans for cropping providing that the necessary insurances are in place.
These are business loans secured with real-estate assets. These loans generally have longer repayment periods and lower costs than unsecured loans and are suitable for businesses needing to set up core debt or long term working overdraft fcilities. Low doc loans work well for business to provide core debt, cash flow financing, emergency funds, paying off tax debt or business growth when some security is available.
All types of wheeled or tracked vehicles for industry, including prime movers, trailers, earthmoving and construction equipment, forklifts and other warehousing vehicles, busses, passenger cars and ute's, agricultural equipment, delivery vans, motor cycles and almost any other type of vehicle.
Purchasing major items of plant & equipment can be both expensive and place a substantial drain your business's cash resources. CapLend can provide fast (typically 2-3 days) flexible funding at low interest rates even if your credit less than perfect. Leasing can be a very effective way of maximising your tax deductions - call to discuss. Here are some industries who typically have a need for substantial itmes of equipment that may better be financed rather than purchased outright.
The need for additional can arise at any time during the life of a business for a variety needs, usually unplanned or unexpected events or situations that arise abd that must be addressed. Some of the more common needs for additional capital may include
