Your independent finance partner

We take a strategic approach to lending, so you

can be assured that you have the most suitable

commercial lending solution to meet your business

needs now and into the future. We then leverage

our independence, extensive business banking

experience, and solid relationships to negotiate the

most competitive and flexible deal available on the

open market.

Our aim is to get you the best funding solution for

your needs, with minimal disruption to you and

your business. You will have a dedicated finance

specialist who will collaborate with all parties to

manage the lending process from beginning to

end. We are genuinely passionate about helping

our clients grow their businesses and many of our

clients see us as an integral part of their business

advisory team.

Our services include:

• Commercial term debt facilities

• Asset/equipment finance

• Overdraft/working capital finance

• Business cashflow finance

• Invoice discounting

• Refinancing

• SMSF loans

• Residential loans

Orium Finance 21 Orium Finance

Your independent finance partnerAt Orium Finance we’re more than your typical commercial broker. We’re your independent finance partner with years of business banking, finance and business advisory experience on our side.

Orium was able to facilitate the refinancing of the Group’s businesses for an extended period of time and at a much reduced rate of interest to what we were paying. I cannot speak too highly of the Orium team’s integrity and professionalism.

Frank, Sydney ”“

Orium Finance 43 Orium Finance

Why choose us?

Strategic lending partners

High level of technical expertise

Extensive commercial funding experience

Collaborative approach with your key advisors

Periodic reviews of your business funding

requirements

Business funding advice post settlement

Residential lending specialists in-house

Long-standing relationships with key lenders

Independent of financial institutions

Personalised service tailored to your business

Solid understanding of lender credit policies

Streamlined application processes

Skilled at negotiating preferential lending terms

End to end management of funding requirements

Orium Finance 65 Orium Finance

Independent and strategic expertiseAt Orium Finance we’re your independent finance partner. We take a strategic approach to lending, ensuring that we thoroughly understand your business so that we can craft the most suitable commercial lending solution for your needs. We then leverage our extensive business banking experience to negotiate the most competitive and flexible deal available.

Our years of business banking experience has

given us inside knowledge of lenders’ credit

policies and procedures. This enables us to

position your business so that you can achieve the

most flexible and competitive deal on the open

market. It also ensures a fast and efficient service.

Our finance consultants have the expertise to assist you with the full breadth of lending solutions including:

• Commercial term loans

• Business overdrafts

• Asset equipment finance

• Debtor finance

• Personal and residential lending

Orium’s independence ensures we’re not aligned

with any financial institutions. This means we have

access to the whole market of lenders, including

all of the major banks. As a result, we’re in an

advantageous position where we can negotiate the

best deal and terms for your business.

We’re passionate about business and have a

solid understanding of how businesses operate,

including financial statements, company

structures, asset protection and growth strategies.

Our strategic approach to lending means we

take the time with you, your employees and your

advisors to understand your business’s direction

and funding objectives. That way, we can craft

the most suitable lending solution for your

business’s needs.

Orium Finance 87 Orium Finance

Unprecedented service and collaborationThe team at Orium Finance work for your business, not the lender. Our aim is to get you the best funding solution for your needs, with minimal disruption to you and your business. You will have a dedicated finance specialist who will manage your business’s funding requirements from beginning to end. That way, you can focus on what you do best.

Our team has a business banking and advisory

background and is passionate about business.

Our strategic and highly collaborative approach

to lending starts with understanding your key

personal and business objectives, the business’s

funding needs and financial position. We’ll then

guide you and your advisors through the various

lending options, so you’re confident that you’re

making an informed business decision.

Your dedicated finance specialist will do all of

the liaising with the lenders and other parties

involved in the transaction, including your

accountants, solicitors, business advisors and

internal stakeholders. We aim to make the process

as streamlined as possible, so there is minimal

disruption to your core business.

Orium’s service doesn’t end once the funding is

established. We pride ourselves on developing

long-term relationships with our business clients,

by conducting periodic reviews of your existing

funding requirements and offering business

finance advice post settlement. We are genuinely

passionate about helping our clients grow their

businesses, and many of our clients see us as an

integral part of their advisory team.

Orium’s expertise, service and attention to detail with managing our business’s financial affairs could not be faulted and they quickly earned our trust and respect. We highly recommend Orium to anyone with business lending requirements and look forward to continuing to work with them in the future.

Greg and Donna, Sydney”“

Understand your strategy

Strategy meeting with

you and your advisors to

understand your business

objectives, funding needs

and financial position

Analyse financials

Analyse your business’s

financial situation to assess

lending capacity

Develop solutions

Develop lending solutions

tailored to your business

strategy

Position to lenders

Engage both bank and

non-bank lenders to obtain

the most competitive and

flexible funding packages

Present funding options

Present the most suitable

lending solutions, ensuring

you understand the impact of

each option on your business

Manage application process

Manage the application

process to minimise

disruption to your business

Implement facilities

Collaborate with the

selected lender and your

key advisors to facilitate a

fast implementation of your

funding facilities

On-going support

On-going reviews of

your existing funding

requirements and ensuring

your future funding needs

are met

Orium Finance 109 Orium Finance

How we collaborate with you

1 2 3 4

5 6 7 8

Orium delivered on all levels and the transaction went ahead incredibly smoothly. The team were always contactable, and when not, returned phone calls promptly. I will certainly involve them in any future projects and would highly recommend them to any person or company seeking finance at any level.

Peter, Queensland ”“

Situation

Roger had been running a successful hotel

business for 20 years. He was approaching his

retirement and was looking to obtain interest

only terms on his business loan facility so that he

had sufficient time to position the business for

sale. Although Roger had been with his existing

lender, a major bank, for over 10 years, the interest

only period that he sought was unavailable due to

changes in the bank’s credit policy. Understanding

the value of an independent commercial broker,

Roger’s CFO introduced him to Orium Finance.

How we helped

After an initial strategy meeting with Roger, his

CFO and his company’s account, Orium was able

to analyse the business’s financial situation and

confidentially position it to several lenders. Two

lenders were able to offer the interest only terms

that Roger sought and Orium used the competitive

situation to negotiate the best package.

Outcome

Orium was able to achieve the interest only

period Roger desired, as well as a significantly

better interest rate. Due to Roger’s long-standing

relationship with his bank, he was initially unsure

of the value that an independent commercial

broker could bring to his business. However

after working with Orium and seeing firsthand

the difference that an independent broker can

make, Roger now views Orium as his external

finance partner and continues to work with

Orium to manage his business’s ongoing funding

requirements.

Success story 1: Roger, hotel business

Process

Client introduced to Orium via his company’s CFO

Orium held a strategy meeting with the client and their advisors to understand the business’s objectives

Orium developed lending solutions tailored to the client’s business strategy and positioned the client to multiple lenders

Orium negotiated the most competitive and flexible package for the client

Orium managed the refinance of the facility, collaborating with the client’s new lender, incumbent bank and advisors

Orium continues to be a trusted finance advisor, ensuring the client’s on-going funding requirements are met

1 2

Orium analysed the client’s financial situation to assess lending capacity

3 4

Orium presented the suitable funding options to the client

5 6 7 8

Orium Finance 1211 Orium Finance

Situation

David and Michael’s motor mechanic business

had grown significantly over the last three years

and their financial advisor had suggested that

they put structures in place to grow and protect

their personal wealth. David and Michael had

ongoing concerns that their current lender lacked

the technical expertise and support to fulfill their

requirements, so their financial planner introduced

them to Orium Finance.

How we helped

An initial strategy meeting was held with David

and Michael, their financial planner and their

accountant. It was revealed that while obtaining

a good interest rate was important, David and

Michael’s primary objective was to source a

lender with a strong understanding of SMSF

legislation to help them achieve their long-term

wealth creation objectives. Orium conducted a

review of the commercial lending environment to

determine which lenders had a strong technical

understanding of SMSF legislation, and positioned

the client to several of the major banks and non-

bank lenders. Orium successfully obtained multiple

funding offers to shortlist for David and Michael’s

consideration.

Outcome

Orium was able to negotiate the most competitive

package with a major bank, whose credit team

were comfortable with the technical nature of the

SMSF transaction and willing to provide the most

flexible terms. Fast forward to now, Orium not

only provides guidance on the existing funding

structure, but also assists with the business’s

long-term growth plans and the directors’ personal

funding requirements.

Success story 2: David and Michael, motor mechanic business

Process

Client introduced to Orium by their financial planner

Orium held a strategy meeting with the client and their advisors to understand the business’s objectives, funding needs and financial position

Orium positioned the client to lenders with a strong technical understanding of SMSF legislation

Orium shortlisted and presented the most suitable funding options to the client

Orium negotiated the most competitive and flexible package for the client

Orium managed the application and settlement process, working with the client’s lenders and advisors

Orium is now a key part of the client’s advisory team, in addition to providing personal funding advice to the directors

Orium analysed the client’s financial situation to assess lending capacity

1 2 3 4 5 6 7 8

Orium Finance 1413 Orium Finance

15 Orium Finance

Orium Finance, ABN 39 164 212 855 Credit Representative, Finsure Finance and Insurance Pty Ltd, ABN 068 153 926, ACL 384704

orium.com.au

+61 2 8238 0800

info@orium.com.au

Level 2, 62 Pitt Street, Sydney NSW 2000 Australia

If you’re after an independent finance partner with years of business banking, finance and business advisory expertise on your side, contact us today.