How we can help.
Connecting you to a supportive relationship banking team can make a big difference to your business.
The broad networks and depth of relationships our team of experienced ex-bankers have developed over many years in the business finance industry set Laedan apart from other advisers.
Our team of experienced business loan advisers can provide financial advice & support in the following areas:
BUSINESS PURCHASE LOANS
Buying a business? Our team are experienced in structuring business finance in a way that leverages business assets & cashflows to enable greater levels of funding, and improve returns to you the owner.
INVOICE FINANCE
Also known as debtor factoring, Invoice Finance is a flexible and effective way to fund increasing sales, a large one off order and/or a growing debtor book. Invoice finance can be used as a stand-alone facility with an existing or new/additional funder and allows you to maximise cashflow from a growing debtor book.
CASHFLOW LENDING
Funding used for both growth and acquisition utilising the strength of your businesses balance sheet and cashflow; not the value of your home. Laeden work with a number of cash flow lending banks to secure the best option for your business.
ASSET FINANCE
Standalone finance facilities for machinery, equipment, and other business assets. Funding is aligned tothe individual asset and repaid over the assets life.
WORKING CAPITAL FINANCE
Having the right level of business overdraft facility to fund your working capital needs is a key - too much or too little or funding the assets the wrong way can create headaches and cost you money.
TRADE FINANCE
International funding lines for import & export finance. Funds specific trade transactions and can help manage trade and foreign exchange risk and improve your cashflow via delaying payments to suppliers and in some instances being able to match these payments with timing of receipts from your customers.
COMMERCIAL PROPERTY LOANS
Term funding against commercial property assets. Whether you are looking to purchase a premise for your business or build personal wealth through commercial property investment Laedan is well placed to help.
MANAGEMENT BUYOUT FUNDING
Utilising the strength of a business’ balance sheet and cashflow to assist a capable management team to purchase the business they work in from incumbent shareholders. This can be funded via a stepped approach or outright purchase depending on specific circumstances.
Our process
INTRO AND DISCOVERY
ASSESSMENT
OPTIONS
RECOMMENDATION
IMPLEMENTATION
REVIEW
Intro and discovery
spend time with you to understand your business and situation
Improving your
position with the banks
FAMILY HOME AT RISK?
Using the family home to secure business funding is how most businesses in New Zealand get started. Have you reviewed whether this is still necessary?
If your business has achieved scale, is highly profitable and generates strong and consistent cashflow we might be able to negotiate removal of the family home from the banks grasp without seeing any material change to a business’ cost of funding.
BUSINESS LOANS, WITHOUT THE PERSONAL GUARANTEE
In New Zealand it is incredibly common for directors and/or shareholder’s to provide their personal guarantees in order to secure business funding. When a business gains scale and has consistent and predictable profits this might no longer be required.
Our Team
The Business Loan Experts
Not all advisers are created equal. Our team has more than 25 years of combined experience in the banking sector. They have strong relationships at all levels with the major banks and other funders and have an in-depth lending and product knowledge. Dealing with professionals will certainly reap rewards for you and your business.
Bianca Van Graan
Senior Adviser
William Cheong
Director & Senior Adviser
James MacMillian
Director & Senior Adviser
Thomas Greenwood
Operations Manager
Our Promise
At Laedan, we promise to be responsive, approachable and transparent. We will provide a
service that will save you time and deliver a market leading solution.
We strive to be ahead of the market in terms of know-how, allowing you to take advantage of products and services that are best suited to your current situation and where possible exceed your expectations with what we deliver.