"SBR Finance"

Our Commitment to Specialist Sectors in SBR Financing

‍At SBR Financial, we have been committed to supporting consumers in the specialist non-conforming and self-employed sectors since our establishment in 2006-2007. Recognising the need for assistance in these areas, we have focused on providing value to our clients through our experienced team and efficient processes. Our efforts ensure the smooth management of specialised loan applications.

‍Embracing Growth Opportunities in SBR Financing

‍Recently, we have identified the growth opportunities within Small Business Restructuring (SBR) as a second chance for businesses to thrive post-pandemic. We diligently assess available credit options for directors undergoing the SBR process, from pre-assessment to plan implementation and beyond.

‍Addressing Financing Challenges in SBR Financing

‍One of the significant challenges faced in SBR financing is inadequate cash reserves to cover engagement fees and director liabilities during the pre-assessment stage. Directors often worry about the impact of restructuring on their future creditworthiness, adding to their stress. Additionally, SBR practitioners face increased workloads to qualify clients and manage payment plans, raising the risk of default.

‍Qualified Advice and Solutions in SBR Financing

‍To address these challenges, we provide qualified advice through consultations with specialist ACL practitioners. This helps directors receive accurate answers to their credit qualification questions, enabling them to make informed decisions. Our pre-assessment solutions involve utilizing balance sheet assets or real estate to resolve initial issues, offering cost-effective financing rates at 7.59%

‍Mortgage Refinancing for Stability in SBR Financing

‍We facilitate mortgage refinancing of real estate assets to ensure full payment of plans at inception, reducing client default risk and beginning the credit healing process. This approach not only provides financial relief but also reduces the administrative burden on SBR practitioners, allowing them to focus on client success.

‍Access to Specialist Lenders for SBR Financing

‍Access to second-tier lenders who are ready to deploy mortgage refinancing for SBRs is one of the key benefits of our solutions. This ensures long-term funding at reasonable rates, easing cash flow strain during the recovery phase. Streamlined administration through refinancing current plans allows practitioners to concentrate on delivering exceptional results for their clients.

‍Significant Stress Relief Through SBR Financing

‍By resolving ATO and creditor issues swiftly, we provide significant stress relief to clients, enabling them to focus on recovery and growth. Understanding both commercial and consumer credit impact is crucial during the restructuring process. The process reflects on a company's credit file, and managing this effectively is key to improving credit options post-plan acceptance.

‍Expediting the Credit Healing Process in SBR Financing

‍Our solutions expedite the payout of plans, starting the credit healing process as soon as possible. This helps in managing the misconception that a clear consumer credit file alone will provide access to a wide range of lending solutions, emphasizing the importance of addressing the restructuring impact on directors.

‍Success Stories in SBR Financing

‍Our success stories include several case studies that demonstrate the effectiveness of our approach. In one instance, a client with a $950k ATO default successfully restructured their debt, reducing monthly repayments significantly and improving cash flow. Another case involved comprehensive pre-assessment and mortgage application processes that saved a client's house and business post-partnership separation. Refinancing provided additional capital for growth opportunities, achieving better terms than previous mortgages in yet another example.

‍Our Goals and Objectives in SBR Financing

‍Our goals and objectives focus on assisting clients and SBR practitioners in qualifying and resolving creditor plans quickly and cost-effectively. We provide ongoing credit advice and support post-restructure to ensure clients access financing solutions when needed during their growth phase. Reintegration into mainstream traditional funding solutions as clients recover is our ultimate aim, helping them return to a strong financial position swiftly using tailored finance strategies.

‍Partnering for Success in SBR Financing

‍Partnering with us creates significant benefits for clients. Together, we provide holistic solutions that address immediate needs and long-term financial goals, ensuring minimal impact on cash flow and reduced administrative burdens. Our focus is on delivering the best possible outcomes, enabling clients to return to a strong financial position swiftly using tailored finance strategies.