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OUR SERVICES

What We Provide

We help Australian businesses thrive by simplifying the finance process. Based in Adelaide, we work with business owners nationwide to secure tailored loans for recovery, growth, and expansion.

Our experienced team collaborates with a wide network of lenders, ensuring no-fuss, low-doc solutions that fit your needs. We’re here to cut through the complexity, offering practical, client-first service that puts your business goals front and center.

With Specter Financial, navigating finance is easy, so you can focus on what matters most—growing your business.

Business Loans

If you’re a driven business owner facing unexpected expenses, large projects, or ambitious growth targets, our tailored Business Loan solutions are designed to provide the capital you need to thrive

Invoice & Cash Flow Finance

Managing cash flow can be challenging, especially when awaiting payments from customers. With our Invoice & Cash Flow Finance, you can unlock the funds tied up in unpaid invoices, ensuring you have the cash you need to keep operations running smoothly.

Lines of Credit

Access financial flexibility with a Line of Credit tailored to your business. Perfect for bridging cash flow gaps, covering unexpected expenses, or supporting day-to-day operations, our lines of credit provide quick, reliable funding.

Tax Debt Loans

Tax obligations can often create stress and financial strain for businesses. Our Tax Debt Loans provide the relief you need to manage GST, superannuation, PAYG, and other tax liabilities. Let us simplify the process, handle the paperwork, and deliver breathing room so you can focus on your business operations

Commercial Property Loans

Has your business outgrown its current premises? Our Commercial Property Loans offer hassle-free financing to help you secure, expand, or upgrade your commercial property. Whether you’re purchasing a new space, renovating an existing one, or investing in long-term real estate growth, our solutions are designed to meet your needs.

Asset & Equipment Loans

Staying competitive often requires the latest technology, equipment, and vehicles. With our Asset & Equipment Loans, you can finance the tools and resources you need without disrupting cash flow.

FAQ

Frequently Asked Questions

How do l apply for a business loan?

The first step is to speak to a Commercial Broker at Specter Financial over the phone. We’ll discuss your business and your goals, and
gather some key details about your operations and financial history. Then leave it to us – we’ll negotiate with our extensive lender panel and
respond with commercial finance solutions tailored to your unique situation. Speaking to us is completely free and you’re under no
obligation to go ahead

To be eligible for financing or loans via Specter Financial you will need to meet one of two of the following criteria.

  • If you have been running your business for a period greater than 3 months, you qualify for financing.

  • If you own/are currently paying off property, you are also eligible, regardless of current circumstances relating to your business.

If you do not fall into either of these categories, get in contact with a friendly member of our team and we can discuss possible tactics moving forward.

This will be determined on a case-by-case basis. Our team will provide you with loan limits depending on your business’s current turnover
and profitability, or the equity stake you have in your properties listed.

At Specter Financial, our customer-centric philosophy means that we will always strive towards terms that enable the highest chance of
success for you. Once we have established your current situation and future ambitions, we can work with you to arrive at terms that
are customised to your needs and mutually beneficial for both parties.

This will depend on the complexity of your financing requirements. Typically, Specter Financial offers same day approval and funding for
straight-forward non secured loans. You can expect to receive secured loan approval and funding within a 24-48 hour time frame. Keep in
mind each loan is different, so these guidelines are subject to change.

Commercial loans are not governed by the National Consumer Credit Protection Act 2001 (NCCP Act), meaning negotiations with lenders can be more flexible and fruitful for you, the consumer.

That is why it is vital to have an experienced broker in your corner during these negotiations. Having worked in many sides of the financial system, the experts at Specter Financial are aware of what banks and lenders want to see in an application. Without this experience, the
banks often capitalise on loanees lack of knowledge-overcharging and locking you into loans that are not weighed in your favour.

For commercial loans, it’s best to have a team like Specter Financial on your side. We’ll always make sure you’re aware of the best deals.

As your commercial brokers, we first get to know you as an individual, making sure we have fully understood the goals and ambitions of
your business. Once we are on the same page, our team will record what type of property you are looking to get a loan for, whether that be
a warehouse, office space, retail shop front or factory.

Next, your Specter Financial representative will collect information on your business.
-Are you a PAYG?

If so, you will need to provide us with your most recent payslip and group certificate.
-Are you self-employed?

If you answered yes, our team will need to see your BAS statements for the past 2-3 years and any supporting documents depicting your
business and personal financials within that time. This can include tax returns. If you are unable to provide 2-3 years worth of income
evidence, we do offer low doc solutions with a variety of specialist lenders we’re associated with.

Once we have collected these details, we will be armed with all we need to find you a loan that is just right for you. Our experience in the
industry combined with our ability to negotiate, often results in competitive loan terms and interest rates for the clients we collaborate with.
After we have located the loan that suits your needs best, we will provide you with an Indicative Funding Proposal (IFP). This highlights the
likely terms of your loan—once you give us the green light, we will send this off to be finalised by the lender. In the meantime, we handle
all paperwork and communications with your solicitors, accountants and/or buying agents to ensure the process is as streamlined as
possible.

First and foremost, we’re on your side. Here at Specter Financial, our only allegiance is to you. Our credit experience and knowledge of
available rates and terms mean that we can approach the right lender for your situation. Some commercial brokers actually work for the
banks, meaning that their motivations aren’t strictly aligned with your needs. This is where we differ.

We understand your goals and our success is often defined by your’s, meaning when we work on financing solutions for your business, we
are in it for the long-haul.

Our time in the industry has also meant that we’re aware of things that the general public typically aren’t.
Did you know that some types of commercial loans can be offered at residential rates? Or that your Loan to Value (LTV) ratio isn’t set in
stone?

Having access to this kind of knowledge enables us to secure better deals for our clients when they enlist in our commercial brokerage
services.

At Specter Financial, you will always be made aware of fees and costs before being subject to them. It is completely free to talk to one of
our dedicated brokers and you are under no obligation to proceed with any plans put forward.

Brokerage fees may be issued to cover man-hour costs needed relating to solving complex or unusual situations. This is usually due to the
time needed to identify suitable lenders and deals for your business. However, as previously mentioned, you will always be notified of
possible fees before moving forward.

Currently, financial planning and wealth management is not offered as a direct service at Specter Financial. We will refer you to one of our
trusted partners who’s most suited to catering to your needs. The partners we refer you to can help you with insurance, accounting,
residential lending or superannuation advice and guidance.

When you’re looking to secure a loan through Specter Financial, you can expect to show the following documents:

  • Employment and salary history
  • Current capital-this is your cash deposit that’s available to pay upfront
  • Supporting evidence depicting the value of the property/asset being financed against
  • Financial history (e.g. credit rating, expenses and debts)

If you are unable to provide these documents for unforeseen circumstances or have a poor credit rating, don’t worry! Get in touch with our
friendly team and we can work towards tailored solutions for you.

Typically, lenders will look at 5 key factors when deciding to approve a loan. Character
This is a look into your past financial behaviour. Have you paid back previous debts? If not, was it due to things outside of your control?
Were you still making an effort despite financial troubles? More accurately, it is a look into your inclination and likelihood to take the right
steps and act responsibly if your loan was to be approved. Those who haven’t earned much in the past will still be looked upon favourably if
they are hardworking and reliable. Documents and supporting evidence that may be required at this stage are:

– Tax returns
– Personal and/or business credit history (late payments, delinquent accounts etc.)
– Prior business ventures (did you pay off loans? Outstanding payments etc.)
– Job stability and previous employment history Capacity

Your capacity to pay back a secured loan will be determined on past profit and loss statements for established businesses and projected
revenue statements backed by data for new or planned businesses. Lenders will also look into any outstanding debts, as well as your
circumstances—do you have dependants or current personal loans that could affect your ability to pay off this one? Collateral
Collateral is offered as an assurance to the lender in the case that a loan is unable to be repaid. For unsecured loans, collateral is often
unnecessary, however, it can improve the odds of being granted said loan. The lender will assess the collaterals future and present value to
determine if it is suitable to cover your proposed loan. Interest rates on the loan could be influenced by the quality of your collateral. Speak
to a broker at Specter Financial for more information on what classifies as collateral. Capital
These are any assets that are currently storing your wealth and could be used to pay back the lender should you not be able to meet your
loan repayments. Capital could include cash reserves, property, or items such as machinery, vehicles, and other inventory held by
your business. Similarly to your collateral, lenders will assess the current and future values of these assets, to gauge the quality of your
capital, as well as the likelihood and ability of these assets to be liquidated in the event of you being unable to repay your loan.

Conditions
– Interest rates & fees
– Loan amount
– Repayment schedule

The exact conditions of your proposed loan will be unique to your requirements. However, there are some things to consider:
To strengthen the likelihood of securing funding and having your loan approved, there is one thing we expect from our clients.
Honesty. When it comes to arriving at the right financial solution—it takes two to tango. At Specter Financial, we are more than willing to lead
the dance and do all of the heavy lifting, but to ensure the best result we still need you to help us, help you.

What we mean by that is, we require you to be honest about your financial situation and goals at all times. If we keep our relationship as
transparent as possible, we can quickly identify the best path for us to take towards your business or personal goals. Remember, we are on
your team! Get in touch with one of our experienced brokers today!

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