We Are Like an ATM for Your Business - Funds When You Need It, in an Instant!
The festive season is well and truly upon us, and sometimes what should be a happy time of year can soon become a nightmare for small businesses with cash flow issues.
We at HomeSec Business Finance are here to tell you that you don’t need to lose sleep at night, because there are solutions, and HomeSec might just be the perfect solution for your business.
We are the only short-term business lender who can get you access to funds in just 24 hours. So whether you need a cash injection to meet Christmas wages, to purchase new stock at a discounted rate, to start a new project or simply to stay on top of cash flow, we can help.
In fact we like to think of ourselves as an automated teller machine for businesses.
All our loans are secured by real estate, meaning you will need to have equity in your home or commercial premises, and our application process is about as straight forward and simple as you can get.
Plus best of all....
So, don’t spend the Christmas period stressing. Phone HomeSec today on 1300 93 83 87 and speak to one of our friendly staff about a short-term business loan, or Apply Online in just 60 Seconds.
It's Revolutionary and New, and It's here For YOU!
Today the HomeSec Business Finance team are excited to welcome you to our brand new, revolutionary rewards program.
We are opening the door to something, fresh and exciting, and REWARDING!
From 11/12/17, our Broker Partners will receive Reward Points on every loan we fund which was introduced by them. This is IN ADDITION to the most generous brokerage paid in the industry.
Here are 3 of the rewards below, and they could be yours in no time!
Our rewards program is revolutionary because it truly rewards our partners for their hard work, smart thinking, and their loyalty to one of Australia's fastest and most respected short term business lenders.
We don't offer cheap and tacky rewards, in an effort to trying to disguise poor service or deceptively cheap interest rates. We simply provide the fastest service, honesty, and transparency, and AMAZING REWARDS, which are over an above the most generous brokerage fee's paid in the industry.
So open the door to something fresh and revolutionary. Check the full details at http://www.homesecbrokersupport.com.au/frequent-funder-program
Let us do the hard work for you this Christmas
We think it’s safe to say that in the weeks leading up to Christmas, you will have at least one life-long client who urgently needs money before the Christmas break. Whether it be to cover holiday pay or simply to keep cash flow in check, the Christmas/New Year period can put a lot of strain on businesses.
Fortunately HomeSec Business Finance has the resources to ensure your client’s short term business loan is settled the following business day, so that they don’t spend what should be a happy and relaxing time, worrying about business.
The best bit is, we’ll do all the hard work for you! So if you happen to find yourself out at a Christmas party, and you receive a call from a client, all you need to do is send us a text message with their name, number and how much you want to charge for your brokerage fee, and we’ll take it from there – Merry Christmas!!
We’d also like to take this opportunity to remind any brokers who are new to the HomeSec community and haven’t yet used our unique product (short term business loans), that we are always available to answer any questions, and there’s no such thing as a silly question.
At HomeSec Business Finance, we aim to make our service as seamless as possible for our brokers, which is why we have such a loyal band of broker partners who continually send their short term business loans to us.
When it comes to service, speed, integrity and respect, there's only one lender you need to remember and that's HomeSec Business Finance.
Being in the game of short-term business lending is NOT about being a poker player!
At HomeSec Business Finance, one of our core values is transparency, and unlike other lenders in our industry, we do not seek to pull the wool over your eyes by hiding our cards with tactics such as the following…
Poker Lender: Hey Bob, we can help your client. Rates are from 2%.
Broker: What exactly does “from” mean, and are there any other costs or exit fees?
Poker Lender: Gee Bob whatever do you mean? So anyway, what are you up to this weekend?
The Messages Here Are Simple!
1. Are you happy to been tricked into what you think is a cheap rate, only to be left looking like a mug in front of your client when they discover all of the hidden fee's and charges?
2. Are you ok with the backlash and the damage to your brand when your client later discovers that the short term business loan that you have put them into has NO FLEXIBILITY at all, and that all the lender is interested in is themselves & their own bottom line, and they are not the slightest bit interested in a good outcome for your client?
Thankfully, many finance brokers are starting to see what we mean here. Unfortunately many brokers have learnt the hard way, but sometimes that can be the best way to know for sure.
Put simply, a cheap interest rate is only a small part of the overall picture. A responsible broker also needs to look at other important factors such as....
When it comes to service, speed, integrity AND RESPECT, there's only one lender you need to remember and that's HomeSec Business Finance. Get the full story on our short term business loans at www.HomeSecBrokerSupport.com.au
At the HomeSec Business Finance HQ, sometimes we joke around the water coolers about how we should really send a couple of competitors a thank you basket and card for sending us so much business due to their lack of service and underhanded tactics.
The reality is, brokers have had enough of dishonest tactics by lenders and they are taking a stand against it, and are coming to us in droves!
They realise that with many short term business lenders, the interest rate they advertise is not what it seems once you add in all hidden fees, and excessive upfront fees, and deceptive back end fee's that crop up when the poor client goes to repay the loan.
Not to mention the lack of flexibility with their loans, and the time wasted with endless and unnecessary paperwork.... and that’s just if the weather is nice that day and they decide to accept your loan.
Just last week we had a client, who we paid out their second mortgage with another lender, and they had a $15k exit fee!
Now we’re not ones to brag about our exceptional speed, but to give you an idea of what’s possible, this morning we settled a short term business loan in just 3 hours! The finance broker was very organised, and we have the technology to do it. To say the finance broker and client were happy is an understatement.
Also, a reminder that we are always available for you to run a loan scenario past us, and we will flat out give you a yay or nay on the spot, as to whether we can help you, to ensure we don’t waste a minute of your valuable time.
When it comes to service, speed, integrity AND RESPECT, there’s only one lender you need to remember and that’s HomeSec Business Finance.
Don’t make these 3 fatal business finance mistakes
When you’re running a start-up or SME, you’ve got your hands full. Every day there’s a thousand things that demand your attention as you strive to build your brand and bring your vision to life. It can be hard to find time to focus on finance, especially if it’s not your area of expertise.
But the fact is that cash in your bank – or lack of it – is what will make or break your business. So if you want to achieve lasting success, it’s crucial that you don’t make these 3 fatal business finance mistakes.
Assuming your bank will give you a loan
Business finance can be surprisingly tricky to secure. Even if you have an established long-term relationship with your bank, the moment you give up your day job to set up on your own, everything changes.
Most banks won’t lend to a small business unless you have a well-established (i.e. two years) trading record, regular profits and convincing financial projections – not to mention assets to secure the loan. Even getting a personal loan or a mortgage to use as seed capital can be tricky if you no longer have regular employment income.
There’s always the fintech market, of course, but even the most risk-tolerant of alternative lenders will expect to see evidence of income before lending to a new business. Shaun McGowan from Australia's #1 business loans site Lend.com.au says “Most fintech lenders want you to have been in business for at least 12 months and have $20,000 a month in revenue.
If your plans for establishing and expanding your business involve external funding, you’ll need to have a solid financial strategy from the outset. You may need to consider approaching an angel investor, or pursuing alternatives such as crowd-sourcing or peer-to-peer lending in order to get the funds you need to get your business off the ground.
Most loan products take a fair amount of time to organise, so be sure to allow for that in your business plans.
The Banks So No
If the funds are needed fast and the bank has let the client down, that’s where HomeSec comes in. HomeSec business finance advance the funds, and by the next day the refinance process begins. So HomeSec are like Bridging Finance for Business.
The short term business loan product offer by HomeSec can genuinely have the loan settled within 24 hours. Whilst it’s a short term loan (a short term fix if you like), it doesn’t require financials, or trading history, and bad credit history and arrears are ok. The only requirements are real estate security to secure the loan, a genuine business purpose on which the funds will be used for, and an anticipated Exit Strategy. This is often refinance of the security property.
Taking your eye off your finances
No news is good news, right? Unfortunately, when it comes to business finance, that’s absolutely not the case. Unless you pay close attention to your financial performance and regularly analyse every part of your business, you could be heading headlong towards disaster.
Without accurate, detailed information about what’s happening in your business, how can you make informed decisions about where to keep to spending your money? You could be investing in stock that’s simply sitting on the shelves, or pouring cash into marketing campaigns that are merely driving up your customer acquisition costs.
Meanwhile, even if the numbers on your P&L look healthy, your cash flow could be suffering if your income is seasonal or your customers aren’t paying on time.
You (or your financial advisors) should be conducting a thorough financial review every month, and running a rolling cash flow projection so that you can spot potential issues and take action in time.
Focusing on turnover instead of profit
Just because you’re bringing in cash, it doesn’t mean you’re making money – especially if your business is growing fast. Increased turnover LOOKS like great news, but far too many businesses go spectacularly bust on the back of rapid sales growth.
If you have to invest in extra staff, materials or equipment in order to service extra customers, the additional expenses can far exceed your earnings. And even profitable growth can wipe out your working capital and leave you in crisis if you have to wait too long to reap the financial rewards.
Instead of monitoring your turnover, focus on your bottom line profits – and even more importantly, your cash flow. After all, it’s only cold hard cash that will keep your business afloat.
We'll clean up the mess
It’s safe to say that many of our brokers, accountants, and insolvency agents come across business clients that have five or six creditors on their books that they need to clean up before they can refinance or even move forward. Being a business owner in this position can feel like an absolute nightmare, and the frustrating thing is that many of them are unaware that there are in fact solutions.
If a business has creditors, wages or business tax debts to pay, as examples, we can consolidate them into one loan, and give your client some breathing space while they refinance into an affordable mortgage loan. Plus, we will take all the stress out of your life by contacting the creditors, so that we can organise a solution to pay them out.
On the other hand if you approach one of the banks with one of these scenarios, most of them will toss the deal aside and put it in the too hard basket, especially when it comes to business tax debts!
At HomeSec Business Finance, we are here to help save businesses with our short term business loans, as well as help them move forward.
The Welcome Mat is always out for YOU!
We would just like to take this opportunity to make sure that you know that the Welcome Mat is always out for past applicants and clients should they need additional funds, or a fresh short term business loan.
Much to our surprise, some clients (and some brokers) feel that it's not a great look if they come back to a lender for additional funds, or for another loan.
However at HomeSec Business Finance, YOU ARE ALWAYS WELCOME.
We are all about fast funding solutions for small business clients, so if the need for short term funding arises either now or sometime in the future, simply give us a call or apply online .
It's that easy!*
Plus you know how fast we work, and you know we don't engage in unsavory practices or take massive upfront fee's like some private lenders out there.like to do.
So give us a call at anytime, or APPLY ONLINE right now. We'd love to hear from you. 1300 93 83 87 or www.homesec.com.au
A Broker is Only as Good as Their Lender
There is a saying in the finance world that a broker is only as good as their lender. The best broker in the game can let their client down, not because they are incompetent, but rather because their lender is.
At HomeSec Business Finance we have a growing community of brokers, who are loyal, because they know they can count on us, and we know this because of the feedback we get each week, but mostly what it comes down to is this…
And, we'd like to give you two short scenarios to help you get a feel for why we get so much repeat business...
Example 1: Henry phones HomeSec, because his client needs $250k by the following business day to commence works on a building project. HomeSec is satisfied the figures stack up and can settle the short term business loan by the following business day, provided we receive the relevant information from the client.
Example 2: Wally phones HomeSec with a client, who also requires $250k to commence works on a new building project. HomeSec comes to the conclusion the figures don’t quite stack up and so immediately declines the short term business loan, saving his client a lot of time and money and the broker his reputation. Wally and HomeSec Business Finance remain on solid terms because at the end of the day, all any of us want is a straight-up honest answer.
Who says we can’t settle a loan in 24 hours?
At Homesec Business Finance our motto is “Business Loans funded in just 24 hours!” We have lost count of the number of times we have heard the words “impossible”. Well we are here to tell you that it is not impossible nor is it out of the ordinary for us.
The processes we have in place for funding our Short term business loans are slick to say the least, but we are not giving away any trade secrets today however a recent settlement saw us pull out all stops to make sure that we did fund in 24 hours.
Clients and brokers come to us because of our speed. We don't always appear on face value to be the cheapest (a fact we do not hide) but we are the quickest.
Just last week we had a client who needed funds the Monday before our Cup Day holiday. The client applied on Friday and our letter of offer was issued within 2 business hours, everything was on track and going smoothly until their solicitor delayed the signing of the documents until late morning Monday. Not to be deterred we still had plenty of time to arrange settlement of the loan. However there seemed to be forces working against us, firstly the delay in the signing of the documents, then their solicitor missed a crucial ID requirement which meant the client’s had to re-attend his office at 4pm. This left us no time to arrange a courier to collect the documents and arrange lodgement of our security, most funders would have called it a day, not us however we found a solution - the client became the courier and returned documents to our office. The fun was not over yet, a last minute change to the client’s disbursement meant that they needed to re-execute another settlement authority, it was now 5.30pm the day before a public holiday, again most lenders would have given up, but we persevered, the amended authority was returned to us via email at 5.57pm 3 minutes before our banks cut off to process the funds.
Transfer completed and happy clients. Homesec prides itself on finding solutions to assist clients with their short term funding needs. Business loans funded in 24 hours? Yes we can!