Finance advice

Bridging finance: an asset-based solution

By Steven Beinart

Steven Beinart 70x60A time-sensitive property opportunity shouldn't be closed off because interim financing is not available. With the market this hot, no investor wants to lose out.

Blogger: Steven Beinart, Assetline

We all know the days of easy bank finance are over, with the post-GFC cash crunch never fully lifting. This often means that deals which stack up on paper don’t get over the line because the banks don’t grant approval.

Thankfully, innovation in the finance sector means banks are no longer the only option. Technology is making it easier for nimble, innovative companies to challenge the current status quo.

Unlock your own value
One new service is personal asset lending. This allows investors to instantly unlock the value of unconventional assets that banks don’t recognise, such as art and collectibles, or prestige boats and vehicles.

Many property investors are high net worth individuals, asset-rich but cash poor. For investment or personal reasons, they may wish to hang onto their assets. Now they can get the best of both worlds by raising finance in the short term, but retaining their assets in the long term.

For those that do want to sell, but don’t want to wait several months for the auction process to go through, personal asset lending can also play a role. Used as a cash advance, it allows investors to access up to 70% of the estimated sale price immediately. This also allows more time to sell an asset, to secure the highest sale price.

Accessible, Flexible, Fast
Asset-based loans have three clear advantages over conventional forms of finance.

1. Accessible: The beauty of an asset-based loan is that there’s no purer form of credit than something you already own. This means no credit checks or income checks are needed, or any additional documentation such as tax returns of financial statements.  A borrower won’t be ruled out simply because of an impaired credit history.

2. Flexible:  Traditional bridging products often force you to borrow a minimum amount of money for a fixed period. In contrast, Assetline’s personal asset loans can be repaid early, without incurring additional fees or charges, from any source.  There’s also a very broad range of acceptable collateral, from gold and silver, jewellery, diamonds and luxury watches to fine art and antiques, prestige cars and boats and fine wine collections.

3. Fast: Funding that would take a bank weeks to approve can be wired within 24 hours. Assetline’s loans can be settled quickly, generally within 24 hours of receiving the asset and a complete application.

Topping up existing funds
Bridging finance can be used as either a full bridging component or as a "top-up" to a traditional arrangement.

When a property is being bought for investment purposes, buyers often wish to borrow as much as possible if the loan is tax deductible. In this situation the lower maximum loan limits from banks may not appeal. Personal asset lending can fill the gap.

Given its benefits, it’s no wonder that personal asset lending is booming into a multibillion dollar worldwide. It’s something that the Australian market has needed for a long time, and we predict it will fuel growth and investment in the property sector.


About Steven Beinart
Steven Beinart 340x408

Steven Beinart is the co-founder of personal asset lending specialist Assetline. He has over twenty years of international senior management and board experience in the facility services, healthcare and personal care industries.

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

3 big property investment myths busted open
5 steps to take on low-risk property developments
Securing finance after life-changing events: ‘Cash flow is key’

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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Caifu Property\u2019s Automatic Equity program is designed to add a minimum of double the value of your salary to your portfolio every 12-18 months.\u00a0The program deals with five to six figures of instant equity, helps time poor investors generate equity in the shortest time possible without compromising your lifestyle or demanding your time.\u00a0<\/p>\r\n

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

    In this episode, hear from\u00a0Michael\u00a0about:<\/p>\r\n

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

How technology is changing the lending environment
Lessons from a falling market
APRA investor measures have ‘run beyond their usefulness’: industry body

 

AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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Getting finance approved in this tightening lending environment

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