Helping Everyday Australians
Achieve Financial Comfort
ABOUT US
Empowering the
future of finance
We are a consulting company specialising in Debt Reduction and Business Funding.
Renowned for immeasurable prowess in the financial industries we partner closely with customers to solve problems and help you with a bespoke solution.
Our people are innovators, who challenge traditional approaches and define new ways of thinking.
OUR MISSION
Finding smart solutions to big
problems, together
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OUR PROMISE
The Debt Structures Difference
We honour the commitments we make to our clients. You are our best references. This sees us integrate with you and align with your values. We listen carefully to your needs and with a tried and tested approach, delivering tailored solutions designed to help you realize your goal.
We understand the difficulties and the stress, and we have your best interests at heart and understand that you need a partner that you can trust. Our team is made up of talented individuals, whose proven expertise is recognised by industry peers and clients.
Debt Reduction
How We Help Reduce Your Debt
If you've got bad debt that you need to clear, there is a solution. Unfortunately, many people suffer in silence with long-term debt - never seeking help or advice.
At Debt Structures, our goal is to help you remove your existing debt, and give you the strategy and education to stay debt-free in the future.
Advantages Of Paying Off Your Debt
Due to the aggressive interest on personal, car and credit card loans - paying off debt, as a rule of thumb, should be the primary personal finance goal for most Australians'. With your debt paid off, you'll have:
- Freedom from month-on-month, high interest repayment
- More money each week to save, invest or spend
- Reduced financial stress/pressure
- Increased financial security
- A better credit score
- Ownership of your assets
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Debt Reduction
Good vs Bad Debt
There is a big difference between good and bad debt. Generally debt is considered good if the loan has the potential to increase your net worth (eg through an appreciating asset). Bad debt refers to debt for investments or purchases that will depreciate in value. So how do you deal with bad debt?
If you're looking to get out of debt, the first step is assessing the type of debt you have and working out a strategy to resolve this. Without the correct strategy in place, it can be easy to fall into a 'bad debt' cycle.
The 3 Forms Of 'Bad Debt’
Bad debt refers to purchasing items or assets that will depreciate in value. On top of this depreciation, you'll likely also be paying additional interest - often this is where people get into trouble.
When it comes to bad debt, there are 3 main offenders:
Vehicle / Car Loans
Credit Cards
Personal Loans
Business Funding
Acquisition Loans &
New Business Loans
Securing funding for a new business can be a lengthy and frustrating process. While highly sought-after ventures may get financed within a matter of months, the average Australian business can wait up to a year and half before reaching and receiving their funding goals. To shorten wait time and high interest rates, entrepreneurs often first turn to savings, friends and family for funding, but since those sources are usually scarce, entrepreneurs must eventually look to outside help.
Unfortunately, the federal, state and territory governments in Australia don't offer grants to start a business, only to expand, develop and export. New businesses are then forced to turn to financial institutions or outside investors. However, much like the media has widely reported, funds for start-up and growing businesses are dwindling due to the tight conditions of credit markets in the country. Lenders aren't as quick to hand out loans and will ask for cash flow guarantees and collateral, stipulations that are hard for start-up companies to pull together and ensure.
That is why many new Start Up Businesses turn to Debt Structures. A unique funding platform within the Sterling Investment Trust for initial funding. This fund is made up of private investors that are willing to take risks on budding entrepreneurs.
The term of the loans very from 5 year to 10 year with an Interest only or P&I options available, the loan can be tailored to suit individual circumstances
Debt Structures understands it’s very difficult for Australians to obtain start up funding from banks without Bricks and Mortar, we at Debt Structures focus on offering Start Up Finance to Australians with both good and bad credit history, with or without track records
Our Product is unique and loans can be approved within 24 hours of applying and no property is needed for security.
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Business Working Capital
Accessing Finance: The Struggle is Real
Working capital is defined as the capital of a business which is used to fund its day-to-day operational activities. Therefore, sufficient level of working capital is crucial for businesses. A working capital loan from Debt Structures is tailored finance product to assist small businesses to cover your day-to-day operational costs like account payable, labour cost and marketing fees.
“Small and medium businesses are under increasing pressure”
Debt Structures found that in any given month, about half of Australian small businesses are cash flow negative, with more money exiting the business than entering.
Cash flow is particularly tight in January, as businesses replenish their inventory. Many businesses, big and small, halt trading during January, meaning that outstanding invoices can sit unpaid until February or March, further straining cash flow.
According to Digital Finance Analytics’ 2017 SME Survey, the average debtor period for small and medium businesses is now more than 50 days, a number which has been rising each year.
The survey also found that 57% of SMEs seeking funding are looking to borrow for working capital support. These figures show that Australian small businesses are in need of working capital more than ever before.
The same survey shows that banks and traditional lenders are making it more difficult for SMEs to access finance. Sixty-six per cent of SME owners don’t own a property, meaning they can only apply for unsecured finance.
However, unsecured business loan applicants now face a 74% rejection rate, up from last year, where businesses had a 67% likelihood of being rejected by traditional lenders.
“You’re being restricted because of the way that banks view small business,”
How to access working capital with no paperwork and no hassle
If your business needs more working capital to get through the next few months, an unsecured business loan can give you that support. But waiting six to eight weeks for the bank to process your application isn’t your only option.
Debt Structures understands the cycles and can provide funding to small business without using your family Home through its unique funding platform called the Sterling Investment Trust.
Contact Us
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