It is odd that self employed people rarely negotiate with their bank.

Financial Institutions (not just banks) make very good profit margins on business lending products.

We call this the “Wedding Effect”.

Everything from flowers to photos become more expensive when a wedding is involved. Unfortunately the same thing occurs when the word “business” is mentioned in the banking world.

We can help you negotiate on a huge range of business banking products:

Motor vehicle finance
Merchant facilities
Overdrafts
Term loans
Commercial bills
Equipment finance
Bank Guarantees
Debtor/Invoice finance

And many, many more.

The GOOD NEWS is that the banks are now competing aggressively in the finance broker market.

Most of that competitive aggression has been focused on business debts that are secured by residential property, however, we have recently been able to negotiate terrific rates against commercial security as well.

Business Bankers do spend a lot more time assessing risk (as they should), so not every business loan can push for discounts but most self employed borrowers end up paying more than they should.

We have over 10 lenders to choose from in the Business Banking market. We will shop the right deal on the phone and then, if necessary, attend an appointment with you and the most competitive bank.

Our service is at no cost to you. The lenders pay us for finding them good clients.

Please call if you would like a quick finance medical on your business. We would be very surprised if there are not significant savings to be found.

Michael Daniels, B.Com
Smartline Personal Mortgage Advisers
State Manager NSW & ACT

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