Grow your business with Macquarie
Business loans and asset finance solutions
Our business loans and asset finance solutions can be tailor-made for your business. Talk to a relationship manager and find out how to build, grow and do business better.
Explore our latest solutions
We have the tools, expertise and experience to help you. Our relationship managers provide smart solutions for complex business needs.
Working capital loan
We know that in business, success comes from being able to manage your circumstances. Which is why it’s important to take control of your business cash flow.
Whether that’s through a business-specific loan, overdraft or flexible cash flow lending, a Macquarie relationship manager can tailor the right solution for you and your business.
Business growth loan
Growing your business requires planning and smart financial thinking. We have a proven track record in providing specialist solutions for merger and acquisition finance, business growth, succession planning, refinancing and personal wealth creation.
No matter what stage of the business lifecycle you’re at growing, buying or selling, we can provide tailored solutions and support for your business.
We offer a range of residential and commercial property solutions. From commercial property finance to business loans secured by property and industry-specific products like strata-improvement loans for owners corporations and bodies corporate.
A relationship manager knows that personal and business goals are interconnected, which is why we give you a solution for your complete portfolio.
Technology, vehicle and equipment finance
For all your asset finance needs, we offer a comprehensive range of technology, vehicle and equipment loan, leasing and rental solutions.
From a single vehicle or piece of equipment, to financing a fleet of cars or even a complete technology overhaul, we’ve got the expertise and experience to help grow your business.
The client was successful in setting up his medical practice and was able to provide for his family.
Macquarie was contacted by a newly registered plastic surgeon who needed financing to help start his medical practice. He also needed a flexible approach to funding so he could support his family.
The Macquarie difference
Macquarie took a number of steps to assess the client’s earnings capacity, including talking to financial planners with medical professional clients. Macquarie also carefully examined the client’s potential future income. With the industry knowledge of the medical profession and the research into the client’s circumstances, Macquarie understood the value of his skills. A funding plan was developed based on his projected cash flows.
The main challenge was to identify the client’s capacity to repay the loans. The client already had a medical professional loan from another bank that he took out while completing his training. Because this training had reduced his earnings, his income was substantially lower than he estimated it would be in about three or four months’ time when his medical practice was established. He needed to fund the business start-up costs and provide for family expenses until his medical practice was generating income.
Macquarie developed a financial package for the client that included:
- refinancing the medical loan into a home loan
- securing borrowings against the home
- short-term funding to cover his mortgage interest
- access to a small overdraft facility
- funding business start-up costs
- a merchant terminal for processing patient’s payments
- an office cheque account
- consolidating various accounts into one bank.
The client also benefited from Macquarie’s relationship manager working closely with the client’s financial adviser to ensure his insurance policies were up-to-date. The client was successful in setting up his medical practice and was able to provide for his family. He is paying down his debts and building equity in his home.