Commercial Finance – Independant Financial Group

Empowering your business with tailored Commercial Finance solutions

Every business is different and at IFG, we celebrate that. We work with you to compare and create the best commercial finance solutions to match your specific needs. Whether you are looking to expand, need a short term business loan, or free up working capital.

Trust and Transparency:

IFGroup clients are confident as we offer clear communication, transparent fee structures, and ethical practices.

Expertise and Industry Knowledge

We understand your industry and business needs. This expertise allows for tailored solutions and informed guidance.

Customised Solutions and Flexibility:

Every business is unique, and our clients expect financing options that are tailored to their specific circumstances.

Reliable Customer Service

Prompt, responsive, and personalised customer service is crucial. Our clients know they can reach IFGroup when they have questions or concerns.

WHAT WE CAN DO FOR YOU

We can look after:

Business Loans

Businesses today need flexibility to start, grow, or even survive in a competitive world. Change is inevitable. You need to be confident that you can meet challenges and seize opportunities, as they arise.

Equipment Finance

Equipment finance is becoming an increasingly essential tool for businesses looking to make the best of their available resources while minimising risk and the impact on business cash flow.

Business and Fit-Out Loans

Covering initial expenses such as purchasing equipment, securing premises, or buying inventory. We can help you finance your new interior design, furnishings, fixtures, and equipment needed to create a functional and appealing space.

Novated Lease

Novated Lease Under a novated lease, a vehicle is included in an employee’s salary package as a reduction in gross salary – “salary sacrifice”. The employee is the primary lessee, which is ‘novated’ to the current employer who makes the monthly lease payments – which can include allowances for permitted running costs and Fringe Benefits Tax. Private use is permitted. If the employee leaves the business, the novation can be transferred to a new employer or, the employee will be responsible for making monthly payments.

Chattel Mortgage

A flexible finance option where the title of an asset (often a vehicle) purchased passes to the buyer and IFG registers a mortgage as security over the loan. An initial deposit or trade-in may be included to reduce payments. At the end of the contract term, the mortgage is removed, giving clear title.

Operating Lease

Under an Operating lease the lessor retains ownership and residual risk of an asset. The lesee, has the use of the asset during the lease term and the lease may also include fees, charges and other costs associated with use of the item. Payments within this structure are treated as an “off balance sheet” operating expense.

Debtor Finance

Debtor Finance Also know as Factoring, or Cash-flow finance. With IFG Debtor Finance, we take the time pressures off accounts receivables by offering up to 85% of your unpaid invoices. You can improve cash flow fast, with an efficient and cost effective accounts receivable service. No real estate security required so you don’t need to risk personal property. Funding limits grow in line with your sales, so you have cash when you need it to take advantage of opportunities. 24/7 access to your accounts via our secure online client portal. Talk to us about protecting your business from the risk of bad debt with ‘Bad Debt Protection’.