PROFESSIONAL BUSINESS FINANCE SOLUTIONS ACROSS AUSTRALIA

Running a business in Australia can be challenging, especially when it comes to managing cash flow, acquiring assets, or funding growth. At SMA Financial Services, we provide tailored business finance solutions designed to help businesses thrive. From commercial property purchases to capital funding, trade finance, and debtor finance, we work closely with you to create a strategy that fits your unique needs.

Our extensive experience and relationships with Australia’s leading lenders mean we can secure the right finance, at the best possible rates, while ensuring your repayments are structured to suit your cash flow. Every business is different, so we focus on customised solutions that give you the competitive edge in an evolving marketplace.

Finance for the acquisition of commercial premises such as office buildings, warehouses, factories, hotels, motels, or residential investment property. This solution helps businesses secure income-producing real estate while managing cash flow effectively.

Key Features:

• Acquisition of freehold or leasehold properties
• Tailored repayment schedules
• Flexible funding amounts to suit investment goals
• Potential tax advantages for income-producing properties

Benefits:

• Secure strategic assets for business growth
• Preserve working capital
• Access competitive rates through SMA’s lender network

A fully drawn advance is a fixed-term loan to meet specific business cash requirements, such as stock purchases, office upgrades, or software acquisitions.

Key Features:

• Fixed-term loan with set repayments
• Flexible funding for a range of business needs
• Available for any worthwhile business investment

Benefits:

• Immediate access to funds
• Predictable repayment schedule
• Supports strategic business investments

BUSINESS ACQUISITIONS AND CAPITAL FUNDING

Whether you’re buying an existing business, merging, or expanding, SMA helps you structure finance for success. Our solutions include capital funding to support growth, manage cash shortfalls, or fund new opportunities.

Key Features:

• Funding for mergers and acquisitions
• Expansion capital for growth projects
• Flexible repayment terms

Benefits:

• Maintain cash flow while investing in growth
• Structured finance tailored to business cycles
• Expert guidance from experienced finance brokers

SMA provides international trade finance solutions, including letters of credit, overseas transfers, and import/export support. For businesses dealing in international markets, this ensures smooth, secure, and compliant transactions.

Key Features:

• Letters of credit for imports and exports
• Assistance with overseas payments and transfers
• Support for trade and debtor finance

Benefits:

• Enhance international business opportunities
• Maintain cash flow while waiting for client payments
• Reduce risk in cross-border transactions

We also assist with everyday business banking needs, including transactional accounts, business credit cards, deposits, and payroll management.

Key Features & Benefits:

• Streamlined banking tailored to business operations
• Efficient cash flow management
• Access to multiple lenders and competitive products

SMA combines local expertise with national reach to provide business finance solutions that work. Our advantages include:

• Customised solutions for every business
• Access to Australia’s top lenders at competitive rates
• Flexible repayment structures to match cash flow
• Guidance on complex business and trade finance solutions
• Decades of experience supporting Tasmanian industries, including mining, transport, agriculture, and retail

With SMA, your business gets more than finance—it gains a partner dedicated to helping you grow, invest, and succeed.