Finance & Loan Products

Making Your Money Work Smarter
Not Harder ... For the Future

 

Leasing

No Doc, Lo Doc Car & Equipment, up to $150,000
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Need Finance?

Are you behind with your mortgage? We can help
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finance loans

Products

Home Loans

One of the advantages of using the team at Ai Finance would be the time and effort we save you. We have access to over 20 lenders and 200 products including the major banks which gives you the best opportunity of finding the most suitable Home loan for your objectives.

Below is a list of some of the types of loans and features we provide:

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Choosing The Right Home Loan

You should consider the following questions so when a team member of Ai Finance comes to see you we can answer any questions or queries you may have:

If you would like to organise a time for a no obligation free quote with one of our friendly consultants please click here

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Car Leasing & Equipment

Leasing can allow you to free up your balance sheet and more effectively utilise your resources. We specialise in structuring leasing solutions based on your needs. The focus of our leasing products is on the professional and small business sectors. Motor cars, commercial vehicles, earthmoving equipment, plant and machinery, computers, office equipment and medical equipment are typical types of equipment Ai Finance can assist organisining finance for.

Some examples include:

For more information or if you would like a team member to contact you to discuss further please click here

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Boat Finance (Boat, Yacht, Jet Ski and Commercial Vessels)

boat finance

Finance solutions for Marine Craft

Ai Finance has years of experience organising loans and finance for boat, yachts, Jet Skis and commercial vessels. We have access to a range of boat and marine lenders, giving you a large range of options.

Use our experience

Our marine finance brokers are experienced professionals, and will help you find the best boat loan for your needs. Let us do the hard work for you, so you can enjoy your new boat sooner.

For more information or if you would like a team member to contact you to discuss further please click here

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Aircraft Finance

aircraft finance

We arrange finance for all types of new and used aircraft and helicopters. From a small single engine Cessna to a Jet Ranger or R44 helicopter.

Ai Finance can assist with the purchase and financing of a range aircraft, including:

A range of finance options are available, including Leasing and Hire Purchase.

For more information or if you would like a team member to contact you to discuss further please click here

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No Doc Leasing

We at Ai Finance have access to a very exciting product for businesses and individuals requiring motor vehicles or equipment up to $150,000 at competitive rates. Finance must be for business purposes only.

This product may be suitable if you have the following:

For more information or if you would like a team member to contact you to discuss further please click here

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Development and Construction

Ai Finance has access to various lenders and products for developers and investors alike ranging from your small development of duplexes to a multi level high density construction deal. Our team has many years experience in both the mainstream and private sector.

For more information or if you would like a team member to contact you to discuss further please click here

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Private Funding / Asset Lending

One of the unique advantages we at Ai finance have over our competitors is that we have strong relationships with private funders that can assist with those deals that just don’t fit in the realm of mainstream funding. Loans can start from $50,000 upwards and are normally assessed on an asset based lend. Some of the products and features include:

Some conditions do apply but if you would like to discuss your options further with one of our team please click here

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Personal Loans

A personal loan from one of our lenders is a quick and easy way to obtain finance. Whether you're in the market for a well-earned break, or you're just looking for a hand to help tie up those loose ends, Ai Finance would like to help.

Some of the purposes our lenders will loan money for include:

You will be asked to show that you have the capacity to repay the loan from your existing income:

Download our Personal Loan Application Form here.

For more information or if you would like a team member to contact you to discuss further please click here

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Same Day Cash Loans (Cash Doctors)

"These guys are right at the forefront of payday loans in Australia, providing faxless payday loans".

What does that mean?

If you need fast cash and want convenience and transparency, look no further than Cash Doctors... .even if you've had a minor bad credit mishap.

For more information or if you would like a team member to contact you to discuss further please click here

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Insurance

Below is a brief description of each form of insurance that can at Ai finance can assist with. Each type of insurance has certain limitations and benefits associated that are quite often particular to each individual and or family depending on their own needs. The definitions below are to be considered a brief summary only.

Life Cover - Provides a lumps sum benefit payable upon your death. The policies are generally renewable each year, meaning that the premium is calculated each year and will normally increase as you get older. This form of insurance is rather flexible in that the sum insured can be altered to suit your financial circumstances without incurring any financial loss. When the benefit becomes payable, it is normally paid to your dependents or your estate. This lump sum could be used to pay back debts and/or provide a lump sum that can be drawn upon to create income, and so help your family maintain their current lifestyle. In addition, it will help you keep your families plan on track and pass on an investment asset to your family.

Total and Permanent Disability (TPD) - This form of insurance is normally available as an optional benefit on a Term Life or Trauma policy. The benefit is a lump sum paid if you become totally and Permanent Disabled. You must be disabled to such an extent that you are unlikely to ever engage in:

OWN occupation- This definition is by far a more beneficial policy to be assessed under, however it is likely to be the most expensive.

ANY occupation- This definition is much more restrictive in that it includes"any occupation"to which you may have been suited by education, training and/or experience.

Many of the features of Term Life will apply equally to TPD. The sum insured is payable in the event of TPD and s generally restricted to being no more than the death benefit. The lump sum could be used to help pay for debt reduction/elimination, income generation and all other facets of permanent disablement.

Trauma - This form of insurance is available as an optional benefit on a Term Life insurance policy or as a stand alone policy. A trauma payment is likely to be paid should you suffer any of the covered conditions. This could include, but is not limited to: heart attack, stroke, cancer, paraplegia, multiple sclerosis, Parkinson's disease, chronic liver, lung and kidney disease and many more. The lump sum could be used to cover debt reduction/elimination and to cover costs related to making lifestyle adjustments, necessary home and/or car modifications, medical treatment costs, work alterations and peace of mind etc.

Income Protection - This form of insurance is available from a wide range of Life offices, normally as a"stand alone"policy. It provides you with a monthly income should you become totally Disabled, however, the disablement need not be of a permanent nature. Each company defines Total Disablement, but generally speaking, the benefit is paid if you are not working and are unable to earn your normal income due to illness or injury. The benefit paid could be used for living expenses, regular investment and other costs, thus keeping yours and your family’s lifestyle and plan on track.

Business Expenses Insurance - Is available to certain self-employed persons who wish to cover their business expenses should they be unable to work because of illness or injury. Payments are generally made on a monthly basis and can reimburse up to 100% of approved business expenses. The payments are generally limited to 12 months.

For more information or if you would like a team member to contact you to discuss further please click here

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Financial Planning

Ai Finance has a great relationship with a qualified financial planner who can come see you at your home. This will normally only take an hour of your time where he will conduct a financial analysis of your current situation and work out a plan for any short, medium and long terms goals you have. The first consultation is free.

The Financial Planning Process

Financial planning is the process of establishing personal and financial goals and creating a way to reach them.

The plan must be monitored and reviewed periodically so that adjustments can be made, if necessary, to assure that it continues to move you toward your financial goals.

Understanding your Situation and Needs

How can a Financial Planner assist you?

A Financial Planner can assist you in the following areas:

For more information or if you would like a team member to contact you to discuss further please click here

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Debtor Finance

Debtor Finance is recognised as an important and useful tool for funding businesses working capital needs, particularly for small to medium sized businesses to facilitate growth or change. Debtor finance can be utilised to assist in many situations.

How to maintain a healthy cash flow by using the clients who owe you money? Also known as Factoring or Cash Flow Finance, Debtor Finance is a highly flexible and increasingly popular way to control the amount of money you have available to pay your various business expenses.

All too often, SME experience significant cash-flow shortages as they grow. It's like, we have some good news and we have some bad news. While your sales are increasing, your costs are generally climbing right along with them. Although your outstanding debtors may have increased significantly, it is not yet money in the bank. As a general rule, you have to wait between 60 to 90 days before you receive payment. Meanwhile you have wages and bills to pay.

By using Debtor Finance, we can show you how to be paid 80% of your invoice value within 48 hours. And while there's a fee involved, it's usually far less costly than offering your client a discount for paying their invoice early. Besides, now that you have the cash, you have an easy way to make up the difference: Just obtain discounts from your suppliers for prompt payment. All this comes without the need for Bricks & Mortar Security

For more information or if you would like a team member to contact you to discuss further please click here

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We provide two ways for you to organise Debtor Finance:

Invoice Discounting

This is a Confidential arrangement where you obtain 70% of your invoice from a financier. You continue to collect your debtors, and, once payment is received, the cheque is banked into a specific debtor discounting bank account, made out in your name. Then the financier pays you the balance of the invoice (30%) less their fee. Your clients are not aware of this arrangement simply because nobody tells them.

Now, because some suppliers pay straight away whilst others wait until the last minute, you're given a choice of either discounting all or just some of your debtors. This allows you to maintain your usual relationship with the prompt payers (thereby attracting no fees), and discount the slow payers.

Factoring

This alternative works much the same as Invoice Discounting. Here, your clients will be aware that the invoices are being financed. Additionally, factoring allows us to finance 80% of the Invoice Value.

For more information or if you would like a team member to contact you to discuss further please click here

DISCLAIMER
This above is for informational purposes only and is not intended to provide commercial, financial, investment, accounting, tax or legal advice. It is provided to you for your own personal use. It is not for purposes of resale, distribution or public display or any other uses by you in any form or manner whatsoever. The information provided is of a general nature only and has not taken into account your specific objectives, needs and financial situation. The information may not be appropriate to your individual needs and you should seek advice from your financial adviser before making any financial decisions.

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