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FINANCIAL SERVICES

Lending & Finance

Loans and structured lending solutions for property, business and personal financing needs.

  • Whether purchasing, refinancing or investing, we structure home lending around your broader financial position. We consider income complexity, long-term plans and lending flexibility, not just interest rates.

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    Best for: Home buyers, refinancers and property investors.

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    What we consider:

        •    Income structure and serviceability
        •    Product features and future flexibility
        •    Risk, buffers and long-term objectives

  • Structured funding for business acquisition, expansion or commercial property investment. We assess cash flow, entity structure and risk exposure to ensure finance supports sustainable growth.

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    Best for: Business owners, investors and operators funding growth.


    What we consider:
        •    Trading performance and cash flow capacity
        •    Security, entities and guarantees
        •    Facility structure, covenants and risk exposure

  • Debt  recycling is a structured strategy used to progressively convert non-deductible debt into tax-effective investment debt. We help ensure the setup is disciplined, documented and aligned to your broader plan.

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    Best for: Homeowners with surplus cash flow and a long-term investment horizon.

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    What we consider:


    • Cash flow capacity and buffers

    • Investment approach and risk tolerance

    • Structure, sequencing and tax considerations

  • For eligible homeowners, a reverse mortgage can unlock property equity without selling the home. We help assess suitability carefully, including long-term impact and alternatives.


    Best for: Retirees seeking flexibility or later-life cash flow support.


    What we consider:
        •    Long-term costs and compounding effects
        •    Future living needs and time horizon
        •    Alternatives and family considerations

  • SMSF borrowing requires careful structuring and strict compliance. We support trustees to understand lending pathways and coordinate alongside accountants and advisers to keep the strategy sound.


    Best for: SMSFs considering property acquisition within super.
     

    What we consider:
        •    SMSF compliance and documentation pathway
        •    Deposit, liquidity and holding costs
        •    Structure suitability and long-term strategy

  • Asset finance enables vehicles, equipment and machinery purchases while preserving working capital. We structure facilities that support operations and maintain financial flexibility.
    Best for: Businesses funding operational assets or fleets.
    What we consider:
        •    Cash flow impact and term alignment
        •    Ownership, tax treatment and residual values
        •    Asset type, usage and risk management

  • Personal lending can support major expenses or consolidate existing debts when structured responsibly. We focus on repayment sustainability and the broader financial picture.

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    Best for: Individuals consolidating debt or funding planned costs.

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    What we consider:

    • Repayment capacity and time horizon

    • Total cost and suitability of structure

    • Interaction with other debts and goals

INSURANCE & RISK

Insurance & risk protection

Insurance solutions designed to protect property, businesses and personal assets against financial risk.

  • Insurance for residential and investment properties designed to protect against damage, loss and unforeseen events. We help ensure cover reflects the property’s value, structure and ownership arrangements.

     

    Best for: Property owners seeking protection for residential or investment buildings.

     

    What we consider:

    • Property type and replacement value

    • Ownership structure and occupancy

    • Exposure to environmental and liability risks

  • Landlord insurance provides protection for rental properties against tenant damage, loss of rent and liability exposures associated with leasing property.

     

    Best for: Property investors renting residential or commercial property.

     

    What we consider:

    • Tenant risk and occupancy type

    • Rental income protection

    • Building, contents and liability exposure

  • Businesses face operational risks that can affect assets, income and liability. Appropriate insurance helps ensure the business can continue operating when unexpected events occur.

     

    Best for: Small to medium businesses seeking protection against operational risk.

     

    What we consider:

    • Business activities and operational exposure

    • Asset protection and liability risks

    • Revenue interruption and continuity risks

  • Cyber incidents can expose businesses to financial loss, regulatory issues and operational disruption. Cyber insurance helps mitigate risks associated with data breaches and system compromise.

     

    Best for: Businesses storing customer data or operating online systems.

     

    What we consider:

    • Data sensitivity and cyber exposure

    • Operational reliance on technology

    • Incident response and financial impact

  • Strata insurance protects buildings and common property owned collectively within an owners corporation or strata scheme.

     

    Best for: Owners corporations and strata schemes requiring building and liability cover.

     

    What we consider:

    • Building replacement value

    • Shared asset exposure

    • Regulatory insurance requirements for strata scheme

  • Professional indemnity insurance protects professionals and service providers from claims arising from errors, omissions or professional negligence.

     

    Best for: Businesses and professionals providing specialised services or expertise.

     

    What we consider:

    • Industry risk exposure

    • Contractual obligations

    • Potential financial impact of claims

  • Fleet insurance consolidates cover for multiple business vehicles under a single policy, simplifying administration while ensuring consistent protection.

     

    Best for: Businesses operating multiple vehicles.

     

    What we consider:

    • Vehicle usage and driver profiles

    • Fleet size and operational risk

    • Coverage for damage, liability and downtime

  • High-value homes, vehicles and personal assets often require specialised policies beyond standard insurance coverage.

     

    Best for: Owners of prestige homes, luxury vehicles and high-value assets.

     

    What we consider:

    • Asset valuation and replacement cost

    • Usage patterns and storage conditions

    • Specialist insurers and policy structures

Finance structured around real financial decisions

DESIGNED FOR YOUR OBJECTIVES

Access lending and risk solutions designed around your financial position and long-term objectives.

 

Fync assists individuals, investors and businesses in structuring finance across residential property, commercial lending and asset finance.

 

Whether purchasing property, expanding a business or restructuring existing debt, the way finance is structured can significantly influence long-term financial outcomes.

If you're unsure where to start

Finance decisions often involve multiple considerations including lending structure, risk exposure and long-term affordability.

 

Our team can help you determine the most appropriate pathway based on your current circumstances and objectives.

Fync provides a range of financial services including home lending, commercial finance, SMSF borrowing, asset finance and insurance solutions for individuals, investors and businesses.

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