your independent finance partner -...
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Your independent finance partner
We take a strategic approach to lending, so you
can be assured that you have the most suitable
commercial lending solution to meet your business
needs now and into the future. We then leverage
our independence, extensive business banking
experience, and solid relationships to negotiate the
most competitive and flexible deal available on the
open market.
Our aim is to get you the best funding solution for
your needs, with minimal disruption to you and
your business. You will have a dedicated finance
specialist who will collaborate with all parties to
manage the lending process from beginning to
end. We are genuinely passionate about helping
our clients grow their businesses and many of our
clients see us as an integral part of their business
advisory team.
Our services include:
• Commercial term debt facilities
• Asset/equipment finance
• Overdraft/working capital finance
• Business cashflow finance
• Invoice discounting
• Refinancing
• SMSF loans
• Residential loans
Orium Finance 21 Orium Finance
Your independent finance partnerAt Orium Finance we’re more than your typical commercial broker. We’re your independent finance partner with years of business banking, finance and business advisory experience on our side.
Orium was able to facilitate the refinancing of the Group’s businesses for an extended period of time and at a much reduced rate of interest to what we were paying. I cannot speak too highly of the Orium team’s integrity and professionalism.
Frank, Sydney ”“
Orium Finance 43 Orium Finance
Why choose us?
Strategic lending partners
High level of technical expertise
Extensive commercial funding experience
Collaborative approach with your key advisors
Periodic reviews of your business funding
requirements
Business funding advice post settlement
Residential lending specialists in-house
Long-standing relationships with key lenders
Independent of financial institutions
Personalised service tailored to your business
Solid understanding of lender credit policies
Streamlined application processes
Skilled at negotiating preferential lending terms
End to end management of funding requirements
Orium Finance 65 Orium Finance
Independent and strategic expertiseAt Orium Finance we’re your independent finance partner. We take a strategic approach to lending, ensuring that we thoroughly understand your business so that we can craft the most suitable commercial lending solution for your needs. We then leverage our extensive business banking experience to negotiate the most competitive and flexible deal available.
Our years of business banking experience has
given us inside knowledge of lenders’ credit
policies and procedures. This enables us to
position your business so that you can achieve the
most flexible and competitive deal on the open
market. It also ensures a fast and efficient service.
Our finance consultants have the expertise to assist you with the full breadth of lending solutions including:
• Commercial term loans
• Business overdrafts
• Asset equipment finance
• Debtor finance
• Personal and residential lending
Orium’s independence ensures we’re not aligned
with any financial institutions. This means we have
access to the whole market of lenders, including
all of the major banks. As a result, we’re in an
advantageous position where we can negotiate the
best deal and terms for your business.
We’re passionate about business and have a
solid understanding of how businesses operate,
including financial statements, company
structures, asset protection and growth strategies.
Our strategic approach to lending means we
take the time with you, your employees and your
advisors to understand your business’s direction
and funding objectives. That way, we can craft
the most suitable lending solution for your
business’s needs.
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Unprecedented service and collaborationThe team at Orium Finance work for your business, not the lender. Our aim is to get you the best funding solution for your needs, with minimal disruption to you and your business. You will have a dedicated finance specialist who will manage your business’s funding requirements from beginning to end. That way, you can focus on what you do best.
Our team has a business banking and advisory
background and is passionate about business.
Our strategic and highly collaborative approach
to lending starts with understanding your key
personal and business objectives, the business’s
funding needs and financial position. We’ll then
guide you and your advisors through the various
lending options, so you’re confident that you’re
making an informed business decision.
Your dedicated finance specialist will do all of
the liaising with the lenders and other parties
involved in the transaction, including your
accountants, solicitors, business advisors and
internal stakeholders. We aim to make the process
as streamlined as possible, so there is minimal
disruption to your core business.
Orium’s service doesn’t end once the funding is
established. We pride ourselves on developing
long-term relationships with our business clients,
by conducting periodic reviews of your existing
funding requirements and offering business
finance advice post settlement. We are genuinely
passionate about helping our clients grow their
businesses, and many of our clients see us as an
integral part of their advisory team.
Orium’s expertise, service and attention to detail with managing our business’s financial affairs could not be faulted and they quickly earned our trust and respect. We highly recommend Orium to anyone with business lending requirements and look forward to continuing to work with them in the future.
Greg and Donna, Sydney”“
Understand your strategy
Strategy meeting with
you and your advisors to
understand your business
objectives, funding needs
and financial position
Analyse financials
Analyse your business’s
financial situation to assess
lending capacity
Develop solutions
Develop lending solutions
tailored to your business
strategy
Position to lenders
Engage both bank and
non-bank lenders to obtain
the most competitive and
flexible funding packages
Present funding options
Present the most suitable
lending solutions, ensuring
you understand the impact of
each option on your business
Manage application process
Manage the application
process to minimise
disruption to your business
Implement facilities
Collaborate with the
selected lender and your
key advisors to facilitate a
fast implementation of your
funding facilities
On-going support
On-going reviews of
your existing funding
requirements and ensuring
your future funding needs
are met
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How we collaborate with you
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Orium delivered on all levels and the transaction went ahead incredibly smoothly. The team were always contactable, and when not, returned phone calls promptly. I will certainly involve them in any future projects and would highly recommend them to any person or company seeking finance at any level.
Peter, Queensland ”“
Situation
Roger had been running a successful hotel
business for 20 years. He was approaching his
retirement and was looking to obtain interest
only terms on his business loan facility so that he
had sufficient time to position the business for
sale. Although Roger had been with his existing
lender, a major bank, for over 10 years, the interest
only period that he sought was unavailable due to
changes in the bank’s credit policy. Understanding
the value of an independent commercial broker,
Roger’s CFO introduced him to Orium Finance.
How we helped
After an initial strategy meeting with Roger, his
CFO and his company’s account, Orium was able
to analyse the business’s financial situation and
confidentially position it to several lenders. Two
lenders were able to offer the interest only terms
that Roger sought and Orium used the competitive
situation to negotiate the best package.
Outcome
Orium was able to achieve the interest only
period Roger desired, as well as a significantly
better interest rate. Due to Roger’s long-standing
relationship with his bank, he was initially unsure
of the value that an independent commercial
broker could bring to his business. However
after working with Orium and seeing firsthand
the difference that an independent broker can
make, Roger now views Orium as his external
finance partner and continues to work with
Orium to manage his business’s ongoing funding
requirements.
Success story 1: Roger, hotel business
Process
Client introduced to Orium via his company’s CFO
Orium held a strategy meeting with the client and their advisors to understand the business’s objectives
Orium developed lending solutions tailored to the client’s business strategy and positioned the client to multiple lenders
Orium negotiated the most competitive and flexible package for the client
Orium managed the refinance of the facility, collaborating with the client’s new lender, incumbent bank and advisors
Orium continues to be a trusted finance advisor, ensuring the client’s on-going funding requirements are met
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Orium analysed the client’s financial situation to assess lending capacity
3 4
Orium presented the suitable funding options to the client
5 6 7 8
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Situation
David and Michael’s motor mechanic business
had grown significantly over the last three years
and their financial advisor had suggested that
they put structures in place to grow and protect
their personal wealth. David and Michael had
ongoing concerns that their current lender lacked
the technical expertise and support to fulfill their
requirements, so their financial planner introduced
them to Orium Finance.
How we helped
An initial strategy meeting was held with David
and Michael, their financial planner and their
accountant. It was revealed that while obtaining
a good interest rate was important, David and
Michael’s primary objective was to source a
lender with a strong understanding of SMSF
legislation to help them achieve their long-term
wealth creation objectives. Orium conducted a
review of the commercial lending environment to
determine which lenders had a strong technical
understanding of SMSF legislation, and positioned
the client to several of the major banks and non-
bank lenders. Orium successfully obtained multiple
funding offers to shortlist for David and Michael’s
consideration.
Outcome
Orium was able to negotiate the most competitive
package with a major bank, whose credit team
were comfortable with the technical nature of the
SMSF transaction and willing to provide the most
flexible terms. Fast forward to now, Orium not
only provides guidance on the existing funding
structure, but also assists with the business’s
long-term growth plans and the directors’ personal
funding requirements.
Success story 2: David and Michael, motor mechanic business
Process
Client introduced to Orium by their financial planner
Orium held a strategy meeting with the client and their advisors to understand the business’s objectives, funding needs and financial position
Orium positioned the client to lenders with a strong technical understanding of SMSF legislation
Orium shortlisted and presented the most suitable funding options to the client
Orium negotiated the most competitive and flexible package for the client
Orium managed the application and settlement process, working with the client’s lenders and advisors
Orium is now a key part of the client’s advisory team, in addition to providing personal funding advice to the directors
Orium analysed the client’s financial situation to assess lending capacity
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Orium Finance 1413 Orium Finance
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Orium Finance, ABN 39 164 212 855 Credit Representative, Finsure Finance and Insurance Pty Ltd, ABN 068 153 926, ACL 384704
orium.com.au
+61 2 8238 0800
Level 2, 62 Pitt Street, Sydney NSW 2000 Australia
If you’re after an independent finance partner with years of business banking, finance and business advisory expertise on your side, contact us today.