• BUSINESS FINANCE
• COMMERCIAL PROPERTY LOANS
• HOME & INVESTMENT LOANS
• CONSTRUCTION LOANS

BUSINESS FINANCE
Do you need funding that is secured against your business and not real estate? Do you have an established business and still have your home as security?
Business Finance needs are different for each client and after analysing your need and funding requirements, Harzed Finance will be able to go to work and negotiate for you a variety of product solutions that may include:
• Business Finance secured by your Business and not property
..(we find that many successful business operators still have their
..home as security even though the need is no longer there)
• Plant and equipment Finance
• Stock and Debtor Finance

COMMERCIAL PROPERTY LOANS
Most high net worth individuals believe that their current lender has offered to them the "best deal". In some cases, for special high net worth clients this is the case, however, for most clients we are able to either:
Lower Margins - this is an area of greatest conflict between you and your lender. Your lender wants the highest margin to boost its profitability, whereas you are seeking the lowest margin. Be assured that Harzed Finance is your lending partner that will negotiate hard to secure for you the lowest funding costs.
Reduce Property Security - In many cases, your lender has more security than is required to secure the loan. Harzed Finance will always seek to negotiate minimal security to any lender and allow you the peace of mind with excess title deeds in your hands.
Renegotiate Terms and Conditions - In addition to extracting from you the highest possible interest rate margin, your lender will usually also look to include in your loan approval, terms and conditions to ensure that it has lent its money to you at the lowest possible risk. Whilst we respect the lenders position here, Harzed Finance will negotiate to secure terms and conditions that will serve you well over the term of the loan that can sometimes be many years.

HOME & INVESTMENT LOANS
Business owners and high net worth property owners are usually very different to first home buyers. Harzed Finance can assist with both.
We will provide you with simple straight talk about the current market options. If your application is outside standard bank lending criteria, we can introduce you to lenders that offer greater flexibility to meet your needs

CONSTRUCTION LOANS
Whether you are a small developer developing a dual occupancy, or a multimillion dollar developer, Harzed Finance is very well placed to assist you.. We stay close with our clients from the start to end of your construction project and this provides great comfort to our lenders with whom we deal with on a daily basis over many years.
We will work with you to structure your funding proposal to  ensure that your application reflects the current market appetite and in this way we seek to avoid surprises and delays.