Business Loan

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Why choose Us?

Working capital is needed.To keep cash flow active

Typically, suppliers need to be paid before customers settle their debts and this puts continual pressure on cash flow. Keeping this cycle moving, and to avoid running out of money, demands that a certain amount of money is available to the business at all times — working capital.

Over time, the business can finance working capital out of profits, but this only comes after a period of successful trading. If the business is growing quite fast, the capital required could always be ahead of the surplus generated from trade, meaning continual borrowing is needed.

Why choose Us?

Use the investment.Make more than it costs to borrow

This is one reason why many firms of all sizes continue to use credit, even when they’ve been trading for years. Using the funds to generate enough profits can more than cover the cost of borrowing!

Taking out credit, whether it’s a business loan, invoice finance or an overdraft, allows investment in more sales, creating more profit. Successful businesses spot opportunities in the market and borrow the funds they need to seize the moment.

Asking how much it costs to borrow money is often the wrong question. Ask instead: “What’s the difference between how much you can make and how much it costs to borrow?”

Why choose Us?

Borrowing money reduces personal risk.It will ease your liability.

It may seem odd for your business to borrow money when you’ve already got personal savings that you could use. But clearly you saved that money for a reason — perhaps to fund children through education or provide for your retirement.

Whatever the reason is, if you tie up that cash in your business, it won’t be available for the original purpose, or for any personal emergencies that crop up.

Taking out credit for your business offers a number of benefits and can really improve your chances of commercial success.

Why Linear Advisory?

We help any business (small or big) get the funds they need to grow. Our rates will beat any of our competitors and our terms are flexible to suit your business. No matter what you need the funds for or what industry you operate in we have a funding solution for you.

Flexible repayment options

It will suit your business

· Principal and Interest or Interest-only repayment options (up to a maximum of 5 years)

· Choose weekly, fortnightly or monthly repayments whatever is convenient for you.

Redraw Facility

Make it easy to repay

Redraw funds paid in addition to the minimum loan repayments (available on variable interest rate Business Term Loans only). Redraw allows you to withdraw money you've contributed towards your home loan over and above your minimum required repayment.

Interest Rate Options

Choose according to your plan

Choose from a variable or fixed interest rate loan and flexible repayment options depending on your business needs. Whether you are looking to buy a new business, grow your business or to expand your operations, our Business Loan can help with your business financing needs.

Why choose Us?

What are the topics you need to address?

When you need a business loan, you may want answers fast, and you want a solution that suits your individual business needs.
  •  Understand your finances
  •  Prepare your business plan
  •  Know your financial limits
  •  Choose a loan type for your business
  •  Get your paperwork ready
  •  Check who you’re dealing with
  •  Get expert advice
  •  Apply for a business loan

Factors that keep you from getting a business loan

Business loans are not easy to secure. Below are some factors those may be preventing you from getting the funding you need.
  • Poor credit history - Credit reports are one of the tools lenders use to determine a borrower's credibility. If your credit report shows a lack of past diligence in paying back debts, you might be rejected for a loan.
  • Limited cash flow - Cash flow, a measure of how much cash you have on hand to pay back a loan – is usually the first thing lenders look at when gauging the health of your business. Insufficient cash flow is a flaw that most lenders can't afford to overlook.
  • Lack of a solid business plan - Having a plan and sticking to it is much more attractive than spontaneity in the finance world. It also gives you a better chance of getting a business loan.
  • Too many loan applications - Some business owners assume they can cover all their bases by applying for multiple loans at one time. This way, they can pick and choose from a range of potential offers. However, opening too many loan applications at once can be a red flag for credit bureaus.
  • Disorganization - Before approaching potential lenders, business owners should have their act together. That means having all the paperwork necessary for your loan application on hand.
  • Failure to seek expert advice - When you apply for a business loan, lenders want to see that you've sought guidance from knowledgeable advisors.
Why choose Us?