By choosing Hardie Finance Group as your finance partner, you are choosing a professional service to complement your business. Just like having a good Accountant, Solicitor and Insurance Broker, a Finance Broker is also an integral part of your business structure.
A FREE initial on-site (farm/business/home) meeting is required to both introduce the services and understand your needs. This will be used to gather some basic initial information about your requirements and recommend next step. This initial meeting will further outline any commitment or mandate fees if you choose to engage our services.
From here a agreed actions take place to gather additional information in order to find the best solution for your situation. This would generally include gaining offers from a range of interested lenders and moving the offers throguh to formal approvals and arrangeing documents and settlement.
Once you are onboarded with Hardie Finance Group we then also have ongoing quarterly check-ins to see how things are going and assist with any insights or information in the market. This can be more or less frequent as desired. For Agribusiness, Business and Commercial finance, we also assist with the annual review requirements for the lender and continue to monitor the deals to ensure they remain competitive.
Loyalty to a bank often comes with a “Loyalty Tax.” As bank appetites change, your once-great deal might now be uncompetitive.
Audit: We review your existing debt, including overdrafts, short-term, and long-term debt.
Market Scan: We identify which banks currently have the highest “appetite” and best rates for your specific scenario.
Negotiation: We do the legwork to get the best possible offers for your business.
Selection: You choose the best package; we handle the paperwork.
The longer you wait, the more you pay in unnecessary interest. Banks change their “appetite” for different industries (like Agribusiness or Commercial) constantly. If your financials have improved, you are likely eligible for a better tier of pricing.
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