Debt and lending
The loan is a transaction. The structure is the strategy.
The interest rate matters. So do ownership, cash flow, tax treatment, risk, flexibility and what the debt is intended to achieve. We look at borrowing in the context of the whole plan.
What FinForce considers
Strategy before the facility.
Whether borrowing is appropriate for the objective; which person or entity should carry the debt; how gearing changes risk and cash flow; how debt interacts with super, investments and business structures; and what needs to be true for the strategy to remain sustainable.
FinForce provides strategic financial advice concerning debt where it forms part of the advice scope. FinForce itself doesn’t provide credit assistance. Home, investment and commercial lending is arranged through Financial Relationship Management Pty Ltd (ABN 44 672 025 384). Financial Relationship Management Pty Ltd is a Credit Representative (No. 554980) of Money Quest Australia Pty Ltd ACN 121 542 765, Australian Credit Licence 487823.
Lending implementation
Home loans through Money Quest.
FinForce itself doesn’t provide credit assistance. Home, investment and commercial lending is arranged through Financial Relationship Management Pty Ltd (ABN 44 672 025 384). Financial Relationship Management Pty Ltd is a Credit Representative (No. 554980) of Money Quest Australia Pty Ltd ACN 121 542 765, Australian Credit Licence 487823.
The advice and credit roles remain clear. Where a lending application proceeds next door, it can be informed by the strategy instead of being treated as an isolated transaction.
Related-party and SMSF lending
More than repayment calculations.
Loans involving family members, companies, trusts or SMSFs need more than repayment calculations. Commercial terms, documentation, cash flow, super rules, tax consequences and legal obligations may all be relevant. We coordinate with the appropriate accountant, lawyer and credit specialist so each part is addressed by the right professional.
Clear separation
Strategy here. Conventional loans next door.
Related-party and gearing strategy sit inside the FinForce advice engagement under AFSL 238337. FinForce itself doesn’t provide credit assistance. Home, investment and commercial lending is arranged through Financial Relationship Management Pty Ltd (ABN 44 672 025 384). Financial Relationship Management Pty Ltd is a Credit Representative (No. 554980) of Money Quest Australia Pty Ltd ACN 121 542 765, Australian Credit Licence 487823. Separate licence.
- AdviceDebt strategy under the FinForce advice scope.
- CreditArranged through Financial Relationship Management Pty Ltd, Credit Rep 554980 of Money Quest Australia Pty Ltd (ACL 487823). FinForce itself doesn’t provide credit assistance.
- Related-partyCoordinated with accountant, lawyer and credit specialist.
- OfficeLevel 7, 190 Edward Street, same building.
Before you apply