Lending and Finance Services Taking the time and stress out of negotiating your loan The finance industry is more complex than ever before, with frequent changes to interest rates and banks being cautious and selective about lending. In this environment, where a wrong decision could cost you thousands of dollars, it’s vital to work with a trusted lending team that can help you find the right deal, for you. Negotiating a competitive loan on your behalf – that is tailored just for you ■■ Vehicle finance If you’re looking to borrow for a business, farm, motor vehicle, equipment or personal needs our lending team can obtain finance on your behalf. We can negotiate directly with 30 banks and financial institutions with over 2000 products to arrange a competitive loan, saving you time and money. ■■ Business loans and leases We work with lenders for financing and purchase requests, security structures, refinancing and debt consolidation or facilities subject to a review. If you need help analysing offers received from other lenders for your project, we can do that too. You can take the stress and hassle out of the process as we can negotiate a suitable outcome to meet your objectives. ■■ Lending reviews and debt restructures Covering your financing needs As your finance brokers, we can help you make decisions and arrange loans for: ■■ Buying property (home and investment loans) ■■ Property developments Financial Advice ■■ Plant and equipment finance ■■ Commercial and industrial loans ■■ Expanding your business ■■ Rural loans ■■ Completing complex commercial projects Do you understand the true cost of finance? Finance companies impose many costs, fees and conditions that are difficult to identify. By working with banks and finance companies for many years, we’re familiar with their specific loan requirements to assist you in achieving a better deal. With strong negotiation skills, our team provides an excellent, efficient service and follow up to make sure you’re satisfied. Talk to one of our advisors Please contact your local Crowe Horwath advisor to find out how we can assist you. Connect with us: @CroweHorwath_AU Crowe Horwath Australia Helping you structure your lending effectively Beyond lending and finance Making sure your lending arrangements are effectively structured is an important first step. Unfortunately, getting out of the wrong finance arrangement can be an expensive exercise. Quality and inclusive advice up front can save you a lot of money and time in the future. With access to lending institutions right around Australia, we’ll ensure you obtain the right loan package to suit your needs. Our comprehensive approach means we don’t just provide lending and finance solutions. We go further. Our accounting, business, audit and assurance, tax and financial advisory teams are a one-stop shop for companies and individuals wanting to maximise their growth potential and achieve financial goals. Our practical advice covers all your business and personal financial affairs. Working for you – not the bank Call us about your loan Providing you with answers and offering ongoing feedback of the progress of your loan is key to ensuring you have peace of mind. Getting you the right finance for your needs, by considering all the options – not just what one institution offers, is very important. You don’t need to worry about the maze of paperwork and applications to obtain a loan as we’ll take all the paperwork and deal with the lenders on your behalf. If you’d like to speak to our lending team, please call or email a lender at your nearest office. Alternatively visit our website at www.crowehorwath.com.au About Crowe Horwath Crowe Horwath Australasia is the largest provider of practical accounting, audit, tax, business and financial advice to individuals and businesses from a comprehensive network of over 100 offices. Crowe Horwath is part of a global accounting network that delivers high quality audit, tax and advisory services in over 100 countries. We are the relationship that you can count on - large enough to offer a range of expertise and skills and small enough to provide the personal touch. Tel 1300 856 065 www.crowehorwath.com.au The relationship you can count on This fact sheet provides general information only, current at the time of production. Any advice in it has been prepared without taking into account your personal circumstances. You should seek professional advice before acting on any material. Liability limited by a scheme approved under Professional Standards Legislation (other than for the acts or omissions of financial services licensees) in each State or Territory other than Tasmania. Crowe Horwath (Aust) Pty Ltd is a member of Crowe Horwath International, a Swiss verein. Each member firm of Crowe Horwath is a separate and independent legal entity. Crowe Horwath (Aust) Pty Ltd and its affiliates are not responsible or liable for any acts or omissions of Crowe Horwath or any other member of Crowe Horwath and specifically disclaim any and all responsibility or liability for acts or omissions of Crowe Horwath or any other Crowe Horwath member. Crowe Horwath (Aust) Pty Ltd ABN 84 006 466 351 is the holder of Australian Credit Licence 389054 Date: March 2015