Australia

Many individuals benefit from the financial advice and guidance expert lender services provide.

Business owners can leverage professional insights to secure suitable funding options that align with their strategic goals, while corporate clients benefit from customised advice on company structuring and recommendations for financing their growth and stability. Commercial property investors can optimise their investment portfolios with specialised lending solutions, and residential mortgage seekers can access competitive home loan products with the assistance of a lending professional.

Additionally, recommendations are given to those searching for personal loans or clients looking to manage their working capital requirements.

  • The highly qualified and experienced team at William Buck can provide assistance with a range of lender services, including:
  • Pre-lending reviews
  • Investigative Accountant’s reviews
  • Preparation of a solvency review
  • Assessment of security held over a distressed company
  • Advice on managing a company in financial distress

What is a lending review?

A lending review is a comprehensive assessment to evaluate a borrower’s financial health and stability before granting a loan.

This process involves examining past and current financial information, such as financial statements, cash flow forecasts, and the borrower’s loan repayment ability. The review also considers the value and sufficiency of any collateral provided and evaluates the overall risk associated with the loan. Lenders can make informed decisions by conducting a lending review. This ensures that the loan terms are appropriate for the borrower’s financial situation.

Best lending options for your business

Selecting your ideal lending option should be carefully conducted to ensure your business’s financial health and growth. Several types of businesses require differing approaches based on their size and equity:

  • Start-ups: Securing working capital through asset finance or personal loans can provide the liquidity to establish operations initially.
  • Small-to-medium enterprises (SMEs): These companies often seek tailored commercial property lending or acquisition funding to expand their market presence.
  • Large corporations: Requiring more complex financial structures, large corporations may utilise development funding or cash-flow lending to support large-scale projects.

We have significant experience acting for all major lenders, non bank lenders, borrowers, and investors. Our highly experienced team of registered liquidators can bring their expertise and experience to assist in times of financial distress and achieve the best outcome for all stakeholders. Where appropriate, we will access resources across William Buck and the Praxity Alliance to enhance outcomes for all stakeholders.

By adopting a commercial approach tailored to each specific situation, our team will achieve the optimal outcome for every client.

FAQs

What is a mortgage lender?

Financial institutions or individuals offer lender mortgage services that provide loans to purchase real estate—usually a home or investment property. These lenders offer various residential mortgages and home loans, with terms and interest rates based on the borrower’s creditworthiness and financial stability.

Who is a lender in accounting?

A lender is any individual professional, bank, or financial institution that provides funds to a borrower under the agreement of repayment with interest. Loans and terms must be accurately documented and disclosed within a company’s financial reporting and statements, making lenders a key component of accounting and compliance.

What are the three types of lenders?

The three main types of lenders are:

  • Commercial banks: These are traditional banks that offer a wide range of financial services, including personal loans, business loans, and mortgages.
  • Credit unions: Member-owned financial cooperatives that provide similar services to banks but often with more favourable terms for their members.
  • Alternative lenders: These include private lenders, peer-to-peer lending platforms, and online lenders that offer more flexible loan options, often for borrowers who may not qualify for traditional bank loans.

Each of these lender types has advantages and disadvantages, depending on the type of loan you are looking for. Contact your local William Buck advisor today for more detailed information and guidance.

What makes William Buck different from other financial advisory services?

Our team comprises highly qualified professionals and financial advisors with extensive industry experience and we use a holistic and personalised approach to financial advisory services. At William Buck, we prioritise understanding each client’s unique needs and requirements and seek to provide tailored solutions that encompass each aspect of the challenges you or your company face.

From risk management and corporate governance to asset finance and insolvency advice, our advisors will seek to collaborate with you and search for the best solutions. Our membership in the Praxity Alliance further enhances our abilities to deliver comprehensive strategies and guidance alongside invaluable global insights.

How do you ensure the best outcome for all stakeholders in a distressed situation?

We employ a strategic and collaborative approach to ensure the best outcome for each client and stakeholder in distressed situations. Our process begins with thoroughly examining the company’s financial position and involves clear communication with directors, shareholders, and creditors.

By leveraging our extensive network and expertise, we can help efficiently manage company affairs and preserve value while maximising returns. Likewise, we maintain compliance with legal and regulatory standards to ensure transparency and trust.

Lender services Specialists

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