Having the right equipment can help your business in becoming more productive and profitable. So, if you want to drive your business forward and you do not have the available capital to invest in equipment, you can obtain equipment financing for it. Equipment finance is a common tool used by many companies to help improve…
Business Finance Loans by Intellichoice Learn about Specialist Business Finance, Equipment and Asset Finance by watching our video. What’s the critical information required when starting out in business? Financial commitment and structuring impact cash flow and tax-related matters and if set incorrectly at commencement, prove extremely difficult to amend. Talk to us first – we…
Understanding How Intellichoice Approaches Short Term Finance For Their Clients This video will provide insight into how Short-Term Finance is used when companies are looking to complete a transaction but a shortfall exists which hinders completion. Whether it’s Development Finance, Manufacturing Finance or Business Finance, Short Term Finance may provide a short term answer to…
Iѕ It Pоѕѕіblе To Get Car Lоаns With Bаd Credit? Car loans with bad credit are possible even if some may think that trуіng tо gеt a саr lоаn wіth bаd сrеdіt feels lіkе hаvіng a bаnаnа іn уоur tаіlріре. Whіlе thаt mау соnjurе uр a funnу іmаgе, іt іѕ nоt a lаughіng mаttеr whеn…
When you want to secure finance becoming an Owner Builder is the best choice. Owner Builder is a person who prefers to build their own home so that they will not have to work with a legal builder. It can help to save 20% of the cost of building a house that means a lot…
Why Trade Finance? an Empirical Business Solution Import/Export or ‘Trade Finance” finance in Australia has export to balance figure of $11,607 million as compared to export loan balance of $6,042, according to most recent banking market research by East & Partners. Australia is the 21st largest importer in the world, in 2016 $181B was imported in shape of…
Getting a Home Loan in Australia It’s not just fashion that comes back! There is a current Government Review into Bankers Lending Policies, making this six-year-old video extremely relevant. This video demonstrates how the world turns – we are back to where we were before banks started making credit easier to obtain! Video Transcript: How…
Owner Builder Loans: How it Works, Benefits, Things to Consider Owner builder loans are hard to get. This is because owner builders are generally thought of as high-risk borrowers by banks and loan companies. In any event, an owner builder loan can help you get much-needed funds for your project. Below are a few primers…
Reason Why You Should Get Life Insurance Life insurance is very vital for one’s life but unfortunately, only a few people are well aware of this. It is very easy to purchase a policy when you are young and relatively healthy than when you are old. The longer you wait, the greater are the chances…
Hоw tо Get an Mоrtgаgе Withоut Dосumеntеd Inсоmе Gеtting a hоmе mоrtgаgе gеnеrаllу invоlvеѕ thе аррliсаnt рutting together mоuntаinѕ оf documents аnd рlасеѕ undеr the microscope every single fасеt оf their finаnсiаl position. Aррliсаntѕ in ѕtеаdу еmрlоуmеnt usually fаrе bеѕt with traditional lеndеrѕ. Sеlf employed persons, people оn a реnѕiоn, рrоfеѕѕiоnаl invеѕtоrѕ and other people…
Best Inventory Loans for Your Business 2025 Are you a small business owner in need of financing? Are you fed up with stuck-up Australian banks that make you go through hoops to get it? Then it is time to go all in with Inventory Loans. Considering the small business division utilizes almost a large portion…
Intellichoice Provides Examples of the Most Commonly Asked Questions Regarding Funds from an Owner builder Loan This video will provide some of the most commonly asked questions that Owner Builders ask about how the funds from an Owner Builder loan are accessed (drawn) during their individually tailored building stages. Understanding the difference between Owner Builder…
Darin from Intellichoice talks of the process for Owner-Builder Loans-and why a specialist is needed This video will provide insight into why specialist knowledge is needed for setting up and using Owner-Builder Loans. When choosing people to help with these types of projects it is absolutely critical that the broker or lender has an in-depth…
Owner Builder Lending Easier with Intellichoice This video will provide insight into how to prepare for Owner Building with the aim of making the build and loan management process significantly easier. Knowing up-front what is required supports the project to be fluid and consistent through to completion. A common mistake made by Owner Builders is…
Understanding How Intellichoice Approaches Trade Finance for their Clients Watch this video to gain an understanding of how Trade Finance is used when companies are looking to import goods or finished products into Australia. Accessing Trade Finance can facilitate rapid growth because through Trade Finance, the company is not limited to the traditional “Bricks &…
Say what you like about Banks and Bank Managers, there is one simple and inescapable fact. They are in business to make money. As a result, they assess loans on the basis of profit and risk. Banks and other financial institutions have 50 years experience worth with Owner Builders and over that time they have discovered three…
What is the Situation with Owner Builders in Queensland? In all states and territories within Australia except Queensland, you can get “Builders Warranty Insurance”. This is insurance that “is acquired by the builder and issued to the homeowner to protect them against loss due to non-completion, defects and breach of statutory warranties by the builder….
Not everyone is as passionate about Owner Builder Loans as Jo King of Intellichoice Not everyone is as passionate about Owner Builder Loans as Joanne King of Intellichoice, a Brisbane based company that specializes in obtaining finance for Owner Builders. According to Jo, the client projects that give her the most satisfaction are the ones…
Why are the cost savings so significant when you Owner Build? In its simplest definition, an Owner Builder assumes responsibility for the construction or renovation of a home. “Not so hard,” I hear you say? In reality, what it means is that you are in charge of every single thing to do with that house….
Top Tips for Successfully Owner Building a Project At Intellichoice, we’ve been helping Owner Builders turn their dream houses into a reality for more than ten years. We’ve seen lots of people embark on the Owner Builder adventure and we’ve learned (sometimes the hard way) the most common mistakes that can trip people up and…
Why Should I Use Intellichoice? When you become an Owner Builder, you take on the responsibility of managing all the elements of your project. You are in charge of everything, from tradesmen to insurance to materials and everything in between. It also means you are in charge of the financial aspect of the project. Unless…
Why Do Banks Value Owner Builder Projects Differently? One of the key pieces of information Banks and Financial Institutions use to assess loans is the End Market Value which, as the name suggests is the value of the property once the renovation or build is completed. When valuing a standard construction home loan contract –…
How Does the Process Work at Intellichoice? We do things a little differently at Intellichoice and our system has helped many hundreds of Owner Builders successful finance their projects over the years. Step One Our first client contact usually is usually a phone call or an email. At that point, we get a little bit…
Can I Use My Normal Home Loan to Be an Owner Builder? There are many reasons why it pays to use a qualified and experienced broker to help you get an owner builder loan. We have many examples of stories where people have been terribly disappointed because they got a loan (or tried to) using…
What Do I Need to Know About Insurance for Owner Builders One of the most important things to consider about becoming an Owner Builder, even before you establish how and from who you are going to get Owner Builder finance, are the legal implications that come along with that decision. The legislation for owner builders…
Getting your first car, even your second is exciting. You can easily get a new car nowadays with a loan, especially with a good credit standing by your side. However, even with a steady income and stable personal finance, taking time to think before applying for a car loan is still essential. Finding the right…
Is it Hard to Get Finance as an Owner Builder? It can be challenging and frustrating but can being an owner builder can also be ultimately rewarding. One of the best tools you can arm yourself with before you start is information and knowledge. Before you decide to be an owner builder, you need to…
Save a Fortune and Build your Own Home as an Owner Builder The first step in obtaining an owner builder loan is sitting down and determining exactly what your individual circumstances are. What kind of house or renovation are you looking to do? What is your income? What are your assets? How much money do…
Building loans are different from normal home loans because they are usually used to finance a construction or building project of some sort. The lender usually values the project based on how much it will be worth once all construction is complete. There is a perceived added risk in the process of building loans as not all…
Don’t Become an Owner Builder Without the Right Finance Building your own home or renovation is potentially one of the biggest projects most people undertake and becoming an owner builder can be an even bigger challenge and the decision should not be taken lightly. One of the main reasons that people become owner builders is…
Why Your Project Needs to be Financed with a Construction Home Loan The great Australian dream of owning your own home is an extremely strong part of our culture. Many people plan and save for their homes for years only to find that they can’t find the house that is exactly what they are searching…
Are building loans the right choice for you? Although it isn’t the right choice for everyone, building a new home or renovating an existing home using a building loan can mean that you end up with exactly the home you want. No longer do you have to compromise and put up with the end results…
Why do you need to know about owner builder construction loans? For many people, particularly those that are new to the area of construction, owner builder construction loans can, at first glance at appearing daunting and a bit scary. Once you understand both the industry and process however, you can quickly understand that they are…
How Construction Home Loans Work The decision to build a new home using a construction home loan can be an extremely rewarding one. There are many reasons why people choose to build their own property. One of the most common is that by doing it this way, your home can be built exactly the way…
Building Construction Buildings Among the best ways to commit to a strategy would be to write it down and stay with it. As soon as you’ve decided you want to go down the proprietor path, you’ll want to have a handle on how you’re going to fund it. At this point, most folks begin to…
Equipment Financing Means Flexible Solutions for Unique Business Needs FINANCIAL CIRCUMSTANCES ARE CHALLENGING NUMEROUS BUSINESSES TODAY, AND THE CURRENT ECONOMIC ENVIRONMENT POSES EVEN GREATER DIFFICULTIES FOR ENTREPRENEURIAL STARTUPS AND SMALL BUSINESSES THAT ARE STRUGGLING TO GET ESTABLISHED, GROW OR JUST STAY IN BUSINESS. THE CHARACTERISTIC INNOVATION, AGILITY AND HARD WORK OF THESE BUSINESSES ARE PRECISELY WHAT THE AUSTRALIAN ECONOMY NEEDS TO GET MOVE ONCE MORE; HOWEVER, THEIR NATURE OF BEING NEWER, LESS CAPITALIZED OR LESS ESTABLISHED CREATES A CATCH-22 THAT IMPEDES THEIR ABILITY TO SECURE THE CREDIT THEY NEED. THAT’S WHY IT HAS NEVER BEEN MORE IMPORTANT FOR STARTUPS AND SMALL BUSINESSES TO UNDERSTAND THEIR ALTERNATIVES FOR FINANCING THE EQUIPMENT WORK AND DEVELOP THEIR BUSINESSES. Acquiring equipment through leasing and other financing techniques is more adaptable and adjustable to meet unique business needs than most funding alternatives. This makes equipment finance a perfect fit for startups and small businesses, both of which may experience difficulty getting traditional bank loans. With equipment finance, there’s no going through the same hoops as with commercial and industrial loans. For instance, normally most lenders want to see two years of financials, which startups, by definition, don’t have. Equipment finance is a $1 million industry in Australia, and it is anything but difficult to discover industry participants who customize their service offerings by end user industry, equipment type, ticket size or end-user business size. There are equipment finance companies that offer special programs for startups, and companies that specialize in services for small and mid-size companies The important thing to remember is that equipment finance companies offer flexible options that help equip a wide range of businesses for success. This is a particularly good time to finance equipment because there is such a great amount of liquidity in the marketplace. There are numerous funding sources—leasing companies and banks—that are looking to lend because they have the cash available to deploy. So, a highly competitive marketplace makes this a favorable time for end users to finance productive equipment.