Darkhorse Financial in Brighton, Victoria, Australia | Loan service

Darkhorse Financial

Locality: Brighton, Victoria, Australia

Phone: +61 439 062 771

Address: Martin Street 3185 Brighton, VIC, Australia

Website: http://darkhorsefinancial.com.au/

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• Business service
• Loan service
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22.01.2022 Podcast Episode 6 Ryan Jenkins CEO of Digital Eagles Marketing Agency joins Jeff Suter from Dark Horse Financial for a discussion about the changing business landscape and how that impacts marketing decisions for business owners. . . Ryan shares the values that he and his team are putting into practice and provides practical information to add value to your marketing toolbox. .... . https://lnkd.in/gsg227P #businesspodcasts #marketing #businesslending #leadershipmatters

18.01.2022 How to use finance to purchase overseas equipment and machinery? . . If you're a business owner looking to bring equipment and machinery from overseas, the difficulty you run into is a lender here will want to take security of the product - that can only happen once it arrives. So you've got the gap between paying your supplier overseas and getting the equipment and machinery here. .... . If you want to preserve your cash and use finance to make the purchase you can fund that gap in two ways. . . One is to use an unsecured business loan. . . Another way is to use a trade or an import line of credit. . . This line of credit can be used to pay for domestic or international material supplies, and included in that is equipment and machinery. . . The benefit of that is that the cost of the trade and import finance is about a third typically of what you might pay for an unsecured loan so it represents great savings to your business. . . Having this kind of facility makes the process easy and fast. And then once the equipment arrives you can replace the import finance with a three, four, or five year term. . . #businesslending #labourhire #wholesale #electrical #manufacturing #engineering #civil #earthmoving #excavation #transport #freight #logistics #supermarkets #foodandbeverage #tradefinance See more

18.01.2022 Podcast Episode 8 - When do borrowers need to obtain legal advice? . . In episode 8 Director and Partner Ron Cohen of Commercial and Property Law firm Tisher Liner FC Law joins me for the Dark Horse Financial podcast Adapting to Now. .... . Whether you're borrowing money for residential property, commercial lending or private lending there are circumstances that require borrowers to obtain legal advice before a loan can progress to settlement. Ron provides detailed information about these circumstances, the kind of advice that is given and why it's an important feature of the loan process. . . https://youtu.be/SUiSFe16SYA . . #businesspodcast #legalmatters #lending #leadershipmatters See more

17.01.2022 10 second Case study: Business finance for smaller business and franchises. . . The subject of our case study was introduced to us by another finance broker whose client had seen one of my posts. They were a franchisee of a well known group. To assist their cashflow while waiting for payment from their clients they had been given an invoice finance facility with a credit limit of $30,000. The interest rate was 0.86% PER WEEK - that's 44% pa. .... . It’s true that many lenders have a preferred type and size of business they like to work with but others are more flexible. Discussing the circumstances with one of our lenders they could see the value of being involved with the franchise group and was prepared to offer an interest rate that was less than a quarter of the client’s current rate. . . #businesslending #labourhire #wholesale #electriclal #manufacturing #engineering #civil #earthmoving #excavation #transport #freight #logistics #supermarkets #foodandbeverage #cashflow #leadershipmatters #debtorfinance #factoring See more

16.01.2022 Podcast Episode 9 - Non bank business lending . . In Episode 9 Business Development Manager Lee Davis at lender GetCapital joins me for the Dark Horse Financial podcast Adapting to Now. .... . The non bank business space is a lot more than unsecured loans. In this episode Lee and I cover lending under the SME scheme, unsecured overdrafts, finance for fit outs, equipment and term loans. Lee shares how a non bank lender makes sensible decisions that support business owners even when financials aren’t available and describes the different industry trends as Get Capital has observed them through their Small Business Index. . . https://lnkd.in/gMXgk4p . . #businesspodcast #businesslending #leadershipmatters See more

16.01.2022 When a working capital solution, such as invoice or debtor finance, starts it will generally have a minimum term, usually 12 months, sometimes 2 or 3 years. . . After that term is served, you'll find that some lenders will come back to you and look to sign you up for another minimum term without any material benefit. .... . Don’t agree to this kind of recontracting ‘offer’. . . If you have a lender that is seeking to lock you in with threats of price rises, rather than providing you and your business a benefit, see this as a red flag and do not agree to recontract. . . All relationships work best when there is a benefit to all parties - your lending relationship should be no different. . . If your lender is behaving in a manner that only progresses their interests it might be a sign that it’s time to look to a better solution in the market. . . #businesslending #labourhire #wholesale #manufacturing #engineering #civil #earthmoving #excavation #transport #freight #logistics #supermarkets #foodandbeverage #cashflow #leadershipmatters #debtorfinance #factoring See more

14.01.2022 Case Study: Restructuring working capital for longer terms and increased profitability . . Business owners who already have a facility like debtor finance typically will consider if their limit size is appropriate for their business over the next few years and the cheapest rates and fees they can. .... . You should be looking at these metrics and obtaining the best value for money but a consideration that’s often missed is a review of the finance structure. . . Our client came to us with a small trade finance limit of $500,000 with up to 90 day terms and a debtor finance limit of $2M at their existing lender. Looking at their product and cash flow cycle, we identified that $2M Trade finance facility with 180 day terms could be sufficient without the need for any debtor finance facility beyond the initial refinance. . . With no line or service fees and a low interest rate this dramatically reduced the cost of finance in the business and translated to a forecasted year on year savings of $95,000 pa. . . #businesslending #labourhire #wholesale #electriclal #manufacturing #engineering #civil #earthmoving #excavation #transport #freight #logistics #supermarkets #foodandbeverage #cashflow #leadershipmatters #debtorfinance #factoring #tradefinance See more

13.01.2022 There are a number of reasons why you might want to bring revenue recognition forward in your business. . . It might be that you're looking to grow and you're pitching for bigger work and you're worried about maintaining your cashflow as you pick up multiple jobs. It might be that you have a bit of a seasonal dip in cashflow, and bringing forward your revenue recognition helps ease those cashflow challenges. .... . A way that you can achieve this as with invoice finance. . . If you have supplied a product or a service to another business, the day that you write the invoice, you can claim up to 85% of that invoice value straight away. . . Then once your customer pays that invoice, that clears the amount that you've drawn and the balance gets sent through to you meaning you can recognise the revenue from your invoice up to 90 days earlier than you would without an invoice finance facility. . . #businesslending #labourhire #wholesale #electriclal #manufacturing #engineering #civil #earthmoving #excavation #transport #freight #logistics #supermarkets #foodandbeverage #cashflow #leadershipmatters #debtorfinance #factoring See more

13.01.2022 60 second case study: Credit limit increase for a wholesale business turning over $1.5M. . . After being knocked back on a limit increase from their current debtor finance provider, our customer approached us for assistance. .... . Having experienced a 20% increase in revenue under the current market conditions our client, a wholesaler supplying national retailers, was seeking a modest increase in their debtor finance limit to assist them through this growth period. . . Upon reviewing their business results and existing facility we found that in addition to being able to justify an increase a limit we were able to negotiate lower management fees and interest rate costs. In this way the business owner should recognise more profit on the bottom line in addition to having more cashflow support when needed. . . #businesslending #labourhire #wholesale #manufacturing #engineering #civil #earthmoving #excavation #transport #freight #logistics #supermarkets #foodandbeverage #cashflow #leadershipmatters #debtorfinance #factoring See more

11.01.2022 Podcast Episode 7 - What can business owner’s expect from the property market . . Property Consultant, Buyer's and Vendor's Advocate Sam Spernat from Rodney Samuels Consulting joins me for Episode 7 of the Darkhorse Financial podcast Adapting to Now. Sam sorts the media hysteria from the actual information to talk through his expectations of what’s happening in the property market and why which areas are at risk, what sort of property might drop 40% and which won’t. .... . https://youtu.be/dmwNVvqmbqU . . #businesspodcasts #property #realestate #leadershipmatters See more

10.01.2022 Case Study: Using equipment finance and invoice finance to purchase a business . . Our client came to us looking to purchase a transport business that was complimentary to their existing operation in a nearby area. .... . The business owner identified the business was undervalued due to current conditions and wanted to secure funding for the acquisition without changing their existing property finance. . . The client’s original business had an invoice finance facility - in the event of successful acquisition the facility would need a larger limit to take in the increased revenue after the acquisition is finalised. . . After completing valuations of the assets and equipment the value was under what was required. Taking the additional security of the accounts receivable ledger in the invoice finance facility, and a caveat over one of the director’s investment properties we were able to secure an offer well above the values ensuring the acquisition without using any cash reserves. . . #businesslending #labourhire #wholesale #manufacturing #engineering #civil #earthmoving #excavation #freight #logistics #supermarkets #foodandbeverage #ATOdebt #transport See more

10.01.2022 A lot of inquiry lately centres around the fact that a number of business owners are reaching out, needing working capital for a range ot reasons to see themselves through the next six to 12 months. . . A concern that people have when enquiring about business lending is revenue is down for a lot of them and their numbers might not look as robust as they are during normal times of trade. However, outside of the COVID environment, these current figures don't reflect their busi...ness - as normal trade has them performing strongly. . . If you’re in this situation as a business owner you've got property, one thing that you consider is that there are alternative options outside of the major banks and outside of the unsecured lenders. Some of these include loans that can come with up to 12 months of deferred interest payments available. . . The benefit of this kind of loan is that allows you time and supports your business through the next period and provides you with that working capital support you might need without being a drain on cashflow at the same time. . . #businesslending #labourhire #wholesale #manufacturing #engineering #civil #earthmoving #excavation #transport #freight #logistics #supermarkets #foodandbeverage #cashflow See more

07.01.2022 Podcast Episode 10 - Don’t Put The ATO Off . In Episode 10 Director Olga Koskie of Specialist Taxation Debt Advisory Tax Assure Pty Ltd joins me for the Dark Horse Financial podcast Adapting to Now. . This episode is a must listen for any business owner with an ATO debt or concerned about how to approach the ATO for the best outcome.... . Tax Assure Pty Ltd have an intimate relationship with the Australian Taxation Office and Olga shares her expertise on the ATO’s collections activities, how to communicate with the ATO to have penalties and interest removed and make sure your business has the best possible outcome by forecasting what's likely to happen in this space over the next 9 months. . https://lnkd.in/d8UmEMQ . #businesspodcast #ATO #ausbiz #leadershipmatters See more