Value Add Financing Solutions


Finance goes hand in hand with growth. You may be taking your business to the next level and require funding for plant and equipment or commercial premises. You could be ready to move into your first home or upgrade your existing home, and require a mortgage to suit your growing family’s needs.

It could be a refinance that is required to access established equity and balance your tax position. Or your investment portfolio could benefit from additional finance, with the added bonus of a tax break to regulate taxable income. Perhaps the self managed super fund that needs a top up to enhance the investment performance of your retirement asset.

We are advocates of debt funding towards appreciating assets. These assets include your home, your business premises and your personal investments. In some instances, finance may also be suitable to acquiring depreciating assets such as plant and equipment and motor vehicles required to operate your business at maximum performance.

Our financing solutions consider your overall wealth position, and aim to achieve the best possible scenario for your circumstances.

With your desired end result in mind, we encourage lending for value add at all times, or not at all.


Consider your “big picture” when financing growth …

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Free Consultation

CALL 0499 111 840

Minnik Integrated Financial Solutions - Chartered Accountants of Australia & New Zealand
Minnik Integrated Financial Solutions - Associates - PFS Financial Services
Finance Services

Home Loans

Purchasing a home or an investment property is not something we do every day so when the time comes around it can be a daunting process. Even more so if you have never been through it before.

There are many factors to consider such as affordability, extent of borrowing capacity, impact on your family budget, the level of deposit required, and how to structure your loan in the best way to protect your cash flow and achieve maximum benefit from your gearing strategies.

We operate independently which means we have access to a broad range of lenders which enables us to arrive at a customised solution to suit your particular needs.

The home loan process becomes a breeze, we free up your time to deal with purchase negotiations, and you will have the peace of mind that your lending arrangement is best suited to your circumstances right from the start.

Investment Loans

You are ready to embark on your investment portfolio and you need to structure it to ensure you are accessing the right funding to achieve your wealth goals.

Whether you are investing in property, or shares, or a business venture, we understand that your entire financial affairs need to be considered in order to choose the right funding for you.

Investments carry benefits but also risk, some higher risk than others. There are many options you can take, so we make sure that you are fully informed before you make any decisions. Whichever way you decide to go, we ensure your assets remain protected.

You may require a refinance, or need to access equity in your current assets which might even involve your family home. In which case there is much more to consider than simply funding your portfolio.

As for gearing strategies, we are chartered accountants and tax agents, we structure your portfolio for maximum benefit to you.

Commercial Finance

Commercial finance is all about funding for business ventures and commercial investments.

This may involve leasing of plant and equipment or motor vehicles for your business, or commercial lending by your self managed super fund to purchase a factory from which your business will operate.

You may be expanding your current business and wish to acquire another. Commercial finance assists in these circumstances.

Part of your personal investment property may include commercial assets and commercial finance applies in this instance too.

Whatever the situation, we have commercial finance solutions designed to suit you.

Property Development Finance

When it comes to larger property investment projects, we assist in obtaining development finance.

The types of projects we refer to include residential developments, commercial and industrial warehouses, or special-purpose commercial sites.

We have an exceptional working relationship with our commercial funding panel, ensuring the best product for your development needs.

Receivables Finance

Your business has compounding supplier bills to pay including the ATO and your debtors are behind despite all the chasing. Its no wonder you feel pressure on your cash flow.

As your business grows costs increase but revenue versus actual debtor collection presents a timing problem. If your debtors paid on time, things would certainly be easier, but this ideal situation is rare in reality.

In extreme circumstances we may need to turn to receivables finance to unlock the value of outstanding invoices.

This process involves turning accounts receivable into cash by accessing the majority of the value of eligible invoices.

Get paid today if you can’t wait any longer for those tiresome debtors.

Asset Finance

Leasing, Hire Purchase, Chattel Mortgages

Asset finance is very popular and very common both professionally and personally. We recognise that this market is extremely competitive and that dealing directly with financiers can be very stressful. At the end of the day, how will you know that you are getting the best deal.

Asset finance covers operating leases, hire purchase, chattel mortgages, novated leases and consumer loans. These finance methods apply to motor vehicles, plant and equipment office equipment, and furniture and fittings.

Out of all of these choices it is important to learn which one is best for you, and your financial position. We discuss the pros and cons of each, and the impact they will have on your cash flow and wealth strategy.

Mistakes in this area are expensive in the long term as you can find yourself locked into a fixed term with no way out but to either upgrade or take a tremendous hit to you back pocket.

Talk to us about asset finance and get it right the first time.