When it is straightforward
The requirement is clear, the accounts are in order and you already bank with the institution.
Loan broker or bank
Loan broker or bank: which route fits your business?
A bank offers its own products on its own terms. A broker is not the lender. We help you understand your financing situation before you decide where and how to approach banks, financiers or capital providers.
THE BROKERAGE ADVISORYSituation
first.
first.
Business financing · Trade · Property · Project · Construction & Engineering
Choosing a route
Go to the bank directly, or use a broker?
Neither route suits every business. The right one depends on how clear the requirement is and what is already in place.
When it is not
The situation is complex, existing facilities limit the options, or a bank has already declined.
Prepare the same things
Your requirement and its timing, existing facilities and obligations, and the supporting documents.
In plain English
What does a loan broker do?
A loan broker helps a business work out its financing situation and approach banks or financiers. The broker does not lend and does not decide approval. The bank or financier does.
Understand the situation→Decide where and how to approach→The bank or financier decides
The situation means the purpose, the timing, existing facilities and the documents behind the requirement.
Limits
What a broker cannot do.
Knowing the limits helps you judge any broker, including us.
- 01
Lend
The Brokerage Advisory is not a bank or licensed moneylender.
- 02
Promise approval
Approval, limits and terms depend on the financier's assessment and the facts of the case.
- 03
Publish rates
We publish no rates, loan-to-value figures or approval promises, because they depend on the case.
Questions
Loan broker questions, answered.
A loan broker helps a business work out its financing situation and approach banks or financiers. The broker is not the lender and does not decide approval.
No. A bank or licensed moneylender lends its own money and makes the credit decision. The Brokerage Advisory is an independent financing advisory, not a bank or licensed moneylender.
When the requirement is clear, the accounts are in order and you already bank with the institution.
When the situation is complex, existing facilities limit the options, or a bank has already declined.
No. Approval, limits and terms depend on the financier's assessment and the facts of the case.
Fees are set case by case. Tell us the situation and we can discuss next steps.
Start with the situation
Not sure which route fits?
Tell us the requirement, the timing and what is already in place. We can then discuss possible next steps.