Bridging Loans

Ok, so you’ve probably worked out that a bridging loan is not actually about pathways over water, but what is it and how can GovCorp Finance help you find the best one?

A bridging loan is a type of short-term loan designed to cover the purchase price of a second property and give you time to sell your existing property, even if you already have a mortgage. It essentially creates a financial pathway or “bridge”, between where the funds are required for a new loan and a settlement of another. Put simply, a bridging loan provides you with the funds you need to buy your new home before you’ve sold your current property – making it perfect if you’ve found your dream home … but haven’t quite sold the old one!

GovCorp Finance allows homeowners to traverse the gap between buying and selling seamlessly by guiding them through the eligibility and borrowing process of bridging loans. Our aim is to offer careful planning and consideration and provide the best possible interest rate and loan terms to ensure a smooth and simple outcome.

As with any financial decision, everyone’s position is different, so have a chat with one of our experts to see if bridging finance is right for you.

Business Capital

At GovCorp Finance we are the commanders-in-chief of capital – with a capital C!

Whether you’re an entrepreneur attempting to launch a fresh idea, or an established enterprise looking to expand into new areas, we understand that the success of your business depends on having easy access to funds to support these ventures. And that’s where we can help.

In contrast to traditional methods of borrowing, GovCorp Finance has a number of low-risk solutions that give you the capital you need so that you can focus on growing your business.

From labour and staff recruitment to building expansion and additional resources such as machinery, equipment, tools and software, we can provide you with the means to pay for personnel, goods and services and ongoing production. Ultimately, we want to ensure that your investment earns a higher return than the capital costs in order to generate profit.

With business models and expansion aims varying, personalised finance that’s right for your company’s growth is vital to allow you to take advantage of new opportunities and make your ambitions a reality. Here at GovCorp Finance we can review your needs and preferences to help you determine which is the best option for you and offer you a loan solution to suit these needs.

Caveat Loans

Caveat loans can be an excellent avenue way for getting funds when you need them fast. But what are they and how do they actually work? A caveat loan is a credit secured against the value of your property’s equity. The loan itself is the money you receive from the lender, and the caveat is what’s lodged on your home’s title of ownership. These loans are a popular option as they do not require credit checks or proof of income. Instead, the credit is secured against real estate or another asset, and the borrower repays it within a predetermined period – and that’s how to get a caveat loan on the property.

At GovCorp Finance we believe that using your property as security to gain finance is a great way of unlocking funds. That’s because the term for caveat loans is usually short (between six weeks to six months). And despite the fact that caveat loans generally have a higher interest rate because of the nature of the risk involved to lenders, GovCorp Finance is able to provide caveat loans at relatively low-interest rates – giving you an affordable solution.

If you need financing and you need it now, come to us to learn about the kinds of caveat loans we can find to help make loan situations simpler.

Development Finance

Big dreams require bigger avenues of financial support. So if you have lofty goals of pursuing large building projects and/or renovation works, but don’t quite have the monetary means to match, development finance can help.

At GovCorp Finance we know that property development can be rewarding … if you approach it with planning, patience and a strong strategy for development financing. So that’s exactly what we offer!

We understand that your needs as a developer are as unique as the properties you are hoping to build. And so, whether your vision is for a commercial, industrial or residential development, we are specialists at helping you secure development finance (i.e. borrowing money to actually fund development, not borrowing money to buy an investment property) tailored to your needs to bring these visions to life.

If you’re searching for avenues that open up the possibility of taking on larger schemes or encouraging regular cash flow, you’ll find them at GovCorp Finance.

Chat to a member of the team and you’ll quickly see just how good we are at offering exceptional standards in cost control, planning, scheduling and project safety – to provide you with rapid capital for your venture and ultimately generate bigger returns on investment.

Equity Stack

The complexity of a real estate project means that financing may be required to come from many different sources. Collectively, these sources are often referred to as the “capital stack” – with “stack” certainly an appropriate metaphor given that each source comes with its own collateral, return expectations and repayment priority.

Choosing the right capital stack for your business is a personal decision, and creating a bespoke stack can be influenced by a variety of factors. So, it’s important to work with financial experts who can help you formulate a plan that suits where your business currently is, and your goals and dreams for where you’d like it to go. Enter: the team at GovCorp Finance to educate and guide you through the process of determining exactly what that is and how to achieve it.

At GovCorp Finance we believe that equity financing is a major part of the capital stack. It works by allowing equity investors to put capital directly into deals and become part owners.

Looking for guidance on how to use equity stacks to raise capital? GovCorp Finance’s team of experts will help guide you through your options, prepare the right financial documents and take the headache out of financially preparing for funding.

Fast Short Term Loans

Looking for a short term loan that won’t actually sell you short? GovCorp Finance offers a number of quick, time-controlled loans that can help you fill financial gaps, instead of, or before, getting into a long-term option.

When it comes to property development, time is money. So whether you need fast cash flow for asset lending, renovating for the purpose of sale, or advance capital to complete a business purchase, we provide you with quick approvals, stress-free repayments and access to fast cash so you can access funds promptly and professionally.

Our application process is simple and we are committed to making the loan approval process as convenient as possible, with low-interest rates that allow you to focus on the principal amount rather than the interest owing! Having immediate access to the funds through our fast turnaround teams means that you don’t miss out on projects that are time-sensitive (our general waiting periods are much shorter than the usual 4-6 weeks of other lenders and without settlement periods delays).

We also offer the option for our customers to access their line of credit and redraw facility, making access to additional funding amazingly convenient. Finally, we are welcoming of businesses of all types – no matter the size, all businesses can obtain funding with us!

Mezzanine Finance

If the only type of mezzanine you’ve heard of refers to theatre tickets, allow GovCorp Finance to shine the spotlight on mezzanine financing. We are, after all, an industry leader in providing these kinds of loans.

Mezzanine financing describes a hybrid of debt and equity financing and is the term typically used for funding the gap between your primary or first mortgage and the total development costs of your project.

Although mezzanine financing was originally designed as a complementary source of funding for expansion activities, it has now become a vital financing tool for small and medium-sized enterprises.

Businesses that grow over time will invariably require additional capital to complete a project or to purchase and develop a property. However, if you can’t secure all the funding from traditional avenues, such as a bank, GovCorp Finance can bridge the gap by offering a number of flexible structured mezzanine finance options that provide your approved development with additional funding.

Chat to a member of the GovCorp Finance team today and find out how we can help guide you through the process of using mezzanine funding to create a cost-effective capital structure with maximum funding, maximum return on equity, and minimum cost of capital.

Business Leasing

Buying v Leasing: While there are certainly merits of using either option to acquire the goods required for your overall business success, at GovCorp Finance, we believe that there is a lot to love about leasing.

In fact, today, more than 80% of Fortune 500 companies choose to lease vehicles and equipment instead of traditional financing or purchases, so you’d be in good company if you considered it!

Purchasing business essentials is expensive, and it may be impossible for many small businesses to buy everything if you don’t have sufficient cash upfront. Business leasing is a way to spread out the costs over a set amount of time. Leasing means you borrow your goods under a contract. It requires less commitment than buying and makes upgrading easier when your lease finishes. And while you may not own your equipment when you lease, you also don’t have to worry about it becoming obsolete!

Whatever your industry, GovCorp Finance can simplify the business leasing procedure through an easy application process, fast approval, followed by ongoing help and support. And with a choice of end-of-term options, regular and reasonable monthly payments, and serious tax advantages for companies of every shape and size, it just makes sense.

Business Acquisition

Acquisition financing is the way in which a company funds a merger or acquisition. However, there is a myriad of ways to fund an acquisition – beyond simply tapping into existing company funds.

GovCorp Finance believes that the right business acquisition finance depends on your business, the business being acquired, and where both are in their cycle. Therefore they take these factors into consideration and can provide investors interested in an acquisition with a range of funding options and methods.

Our most common option is a business acquisition loan. As a private lender, we offer an enticing alternative to instances where traditional bank requirement loans are not met. In addition, while other lenders generally attach strict terms and conditions on time limits and eligibility, at GovCorp Finance our flexible approach is designed to minimise interest rates and fees, and make the financial element of the business acquisition process as simple as possible.

Capital Funding

Is your business looking to raise money to fund its operations? At GovCorp Finance, we can provide it.

Whatever your aim, we understand that capital funding plays a critical role in resource allocation and in promoting ongoing economic growth for your business. These include acquisitions, company expansion, repurposing stocks, investing in real estate and property development, purchasing equipment and fixed assets, making expenditures related to their projects or activities, investing resources in international markets and developing new products and services. Capital funding can also help to cater to unexpected expenses. For example, by providing convenient options during the often delayed insurance claims process.

It’s why we provide capital funding to a multitude of individuals, and organisations. Whether you are a  non-governmental organisation, corporation (such as a private company or start-up businesses), charitable foundation or sole trader, GovCorp Finance is committed to providing both short-term and long-term funding to help your businesses succeed.

Asset & Equipment Finance

At GovCorp Finance one of our most in-demand lending options is asset and equipment finance  – a type of lending that gives you access to business assets such as equipment, machinery and vehicles, or enables you to release cash from the value in assets you already own.

This is a particularly popular option among businesses, as it typically involves a regular payment for use of the asset over an agreed period of time, therefore avoiding the need to pay the full cost of the asset upfront.

From computers to cars, asset and equipment finance can be used to fund almost any asset – making it a great solution for businesses that need a piece of equipment but are not in a financial position that allows them to purchase it outright

GovCorp Finance offers both hire purchase lending (where we purchase assets on behalf of customers and allow the customer to purchase the asset for a nominal amount following the payment of final instalment) and leasing. With this latter option, customers are given access to new equipment by way of renting for a contract period and pay a rental for the use of the equipment over a predetermined period.

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