Orbit Money

Providing financial strength where it’s needed

Lending that makes a difference

Different stages of life and business demand alternative approaches to lending. Whether you’re in business or employed, it can be a real challenge navigating through the market for highly competitive borrowings. Without experience and knowing what’s available, it’s very easy to follow the pathway to traditional bank lending.

Understanding that independence and transparency are key, we’ve established a network of commercial and personal lending sources with whom we have long standing professional relationships. Holding accreditations with over 30 lenders, we offer access to a balance of major and non-major lenders.

Commercial lending

With a desire to strengthen our business clients financially, Orbit Money provides a commercial mortgage broking service, opening up finance opportunities that makes a difference to business.

Here’s how we help our business clients with commercial lending.

Access vital and timely business finance to restructure debt or refinance your existing business loans for expansion. We’ll assist by understanding your goals and make recommendations to allow you to ease pressure and capitalise on opportunities.

Grow your portfolio and expand your experience through lending for small scale property developments. Whether you’re a first time developer, or an experienced hand, we’ll collaborate with you to access the ideal finance solution.

Realise the goals of your investment strategy by securing funding to acquire commercial property, or refinance investment in existing assets. The Orbit Money team will make recommendations based on your needs and assist with accessing funds through our lending network.

Without access to appropriate funding, business growth can stall and personal investment opportunities missed. In conjunction with the Orbit Money team, we take a cohesive approach to bank financing and balance sheet analysis that considers all issues.

Personal lending

Together with our financial planning team at Orbit Advice, our desire is to see you secure your personal and financial future. Here’s how we help our clients realise their potential.

Here’s how we help our business clients with commercial lending.

Helping first time investors to grow their investment portfolio and experience, we provide recommendations for funding – and help you secure it by accessing our network of 30 plus lending institutions.

Capitalise on market opportunities and expand your portfolio with structured finance that supports growth. Through our Property Portfolio Builder Plans we help you prepare for the expansion of your property portfolio projected over a 10 year cycle. Gaining insights through an expanded discovery process, we support you with the financial metrics needed to make critical sell or hold decisions. You’ll also understand the limits of your capacity to safely acquire additional properties. Whether your vision is a large or small portfolio, we’ll walk alongside you to achieve it.

Don’t allow your current debt structuring to diminish your vision. With the capacity to assist with residential or commercial mortgages, business loans, personal loans or credit cards, we systematically review, restructure and reorganise credit facilities to achieve maximum interest and tax savings.

Take control and capitalise on the benefits by borrowing in your SMSF. With multiple opportunities available to SMSF holders, we can advise you from every perspective, including lending capacity and the associated tax benefits.

We’ll help you understand the benefits and opportunities to be realised through borrowing in hybrid, discretionary and unit trusts. Rather than transacting this type of arrangement in isolation from other financial instruments you have in place, we’ll work closely with the Orbit Accounting and Orbit Advice team to ensure full alignment and ideal outcomes.

Many people aren’t aware that finance terms for vehicles can be opaque. Before agreeing to a salary sacrifice arrangement with your employer or finalising a dealership car purchase, we recommend exploring your options with the Orbit Money team. By providing our clients with a complimentary review of terms and comparison of options, they enjoy greater confidence in their decisions. We can model the impact of your decision, including on tax and future borrowing power, as well as seek better terms with dealerships. With access to our finance network, we can even arrange the finance directly.

Talk to one of our Brokers today!

Interested in discussing your commercial lending needs? Looking for personal finance solutions?