For most people, planning a secure financial
future is not easy. You are faced with a complex range of investment
choices and have many factors to consider. It is often difficult
to decide which investment option is best suited to your individual
needs. To solve the investment puzzle and achieve your financial
and lifestyle goals, you need to start by making your savings work
smarter.
ASC can help you clarify your financial goals and design a strategy
to achieve those goals, taking into account your investment options
and factors such as taxation and inflation.
 |
 |
|
| Financial Planning | Commercial Loans | Margin Lending | Business Leasing | ||
 |
||
|
At no charge, Croesus refers all enquiries of a financial nature to its business associate, Australian Securities Company Pty Ltd (ASC). ASC is licensed under Australian Financial Services legislation to provide the following services: Financial Planning Commercial Loans
ASC arranges loans for commercial enterprises.
Loans must be for commercial or investment purposes, however, acceptable
securities include commercial, industrial, retail and residential
properties. The business provides a flexible range of products tailored
to the specific needs of our clients. Examples include:
• Refinancing
• Takeout facilities • Debt reconstruction • Bridging Finance • Working capital • Asset backed lending Security is by way of first mortgage only,
with a maximum loan to valuation ratio of up to 70%.
Business Leasing
It is important that a business retains
working capital and unused lines of credit for investments or other
business opportunities. Although financing represents another type
of financial commitment, in most cases additional security is not
required.
The benefits of financing assets include: • Cash
flow benefits - Equipment that may not reach its full earning
potential in the early years or generates income on a seasonal or irregular basis can be accommodated with a suitable repayment structure. • Known & fixed costs - Lease, asset purchase and chattel mortgage transactions are written on a fixed rate and fixed term basis, thus ensuring that the future borrowing costs will be known in advance. This permits more accurate profit planning and cash flow forecasting. • Avoid inflation and currency risks - Fixed repayments/rentals provide a hedge against inflation and unfavourable exchange rate movements, allowing the purchase of equipment at today's prices. • Convenience - Most financiers have standardised documentation and a quick approval / documentation process to allow funds to be raised in a matter of days. • Partnerships/joint ventures - Leasing, in particular, is a convenient way to share costs of equipment acquisition in a partnership or joint venture, thereby minimising the capital contributions of the partners. It can also simplify the accounting and taxation aspects of a partnership/joint venture. Margin Lending
ASC arranges funding for investment. Margin
lending allows you to borrow against your share and managed funds
investments to increase the overall value of your portfolio, thereby
gearing your investment.
Depending on your individual financial position, there may be taxation benefits available if you take out a margin loan. If the interest expense on your Croesus Financial lending facility is greater than the income it is used to produce, the difference may be offset against tax paid on other income sources, such as salary. At the same time, the (unrealised) value of your shares and managed funds can grow without increasing your tax liability. You need to obtain independent taxation advice to find out the precise effect on your individual position. |
||
