Do you need to upgrade your motor vehicle fleet?
Do you need to purchase new plant and equipment?
Are you purchasing new IT equipment or new software?

When considering buying plant and equipment, motor vehicles or any other business asset the main issue is finding the best financing solution to match your business needs. In doing so businesses should consider and weigh the effects between funding the purchase from valuable working capital, or through commercial leasing the asset with careful consideration to not increase the overhead or fixed cost structure beyond which the turnover and margin can support. Accordingly, the right financing solution is the key to the successful operation of any small to medium size business.

DFS can help you by giving you access to many specialist lenders and products to suit all borrowers, whether it be for vehicles, equipment, software, machinery, and much more.

Whether you are looking to purchase a new business or building, expand your current business or refinance your current loan facilities, DFS can assist you to achieve these commercial goals. Finance can be sourced for principal and interest or interest only, can be tailored to business owners or investors, and is sourced from a range of lenders.

Planning for your business’s future is not just about creating wealth, but having a plan in place to protect it. Australia is suffering from law suit madness, in fact NSW is the third most litigated state in the world behind California and Texas? Asset protection starts with adequate insurance cover and this is where we can help, whether by internally securing assets where possible and/or underpinning agreements by appropriate insurance.

Cash Flow and sufficient levels of Working Capital are the lifeblood of any business. Establishing the right finance facilities and structures will enable your business to run smoothly and efficiently. Start planning for greater growth and flexibility, to expand your business, without the reliance on equity in property or restrictive traditional finance facilities.

One common advantage is Debtor Funding which can accelerates cash flow. Normally the money it costs to produce a good/service is tied up in debtors and is not available for the business to use until payment has been received. Debtor Funding means cash becomes available well before the debtor actually pays. There are two main variants on this type of finance: "factoring" and "invoice discounting"

Additionally Stock Funding provides businesses with the ability to purchase stock. This enables the businesses to hold more stock without straining cash flow and generate more sales. Accessing higher levels of stock, means additional sales and growth opportunities can be achieved. Stock Funding does not require “bricks and mortar” security.

Sometimes Debt Restructure is required. Many businesses are not achieving the right outcomes from the levels of funding they currently have in place. By simply restructuring existing finance arrangements working capital can be uncovered within the business itself.

At DFS we recognise that each one of our clients needs for commercial property finance is different. Our aim is simple, to provide you with the most effective financial solution for your commercial property requirement. This means obtaining the best price on the best terms whilst allowing you to concentrate on something just as important, your own business.

We can offer a host of superannuation options, including different products and investment strategies. We can assist you in selecting a superannuation strategy for you and your employees that is flexible, efficient and cost-effective. Corporate Super is specifically designed to meet the core employer super needs of most businesses and can offer everything you need to effectively and efficiently manage your employer super obligations, in a convenient and cost effective offering.

We recognise that you may want more or less involvement in the investment process. That's why you decide the level of involvement you want to take, and we deliver our advice to suit your needs. Whether you choose the implemented consulting model (where we take ownership over many decisions), ask us to provide the appropriate level of support to your fund's decision makers, or something in-between - we'll help you at every stage of your decision-making process.

To make life easy for employers and satisfy the needs of employees, DFS can provide a complete workplace super solution that is easy to use, fully featured and expertly managed.

The unexpected can happen - sometimes good, sometimes bad. It's the difficult times that we want to help you plan for. A balanced group life insurance program coupled with well-structured superannuation can give you peace of mind knowing you, your family and your organisation's employees are financially secure no matter what happens. DFS will show you how to achieve it.

Structuring a personal insurance program can be hard enough without professional help. But when you have the responsibility for the future financial security of your family and your organisation's employees, you can trust DFS to give you the best advice.

People who work in gainful employment will us the income they generate for two purposes:

• Spending on things that enable them to establish a certain lifestyle
• Saving to establish a certain future lifestyle

The suffering of a sickness or injury that prevents someone from working will jeopardise both of these. The aim of disability insurance is to replace the earnings of the life insured so the impact of the sickness or injury is minimised.

It is usually only possible to insure up to 75% of earnings, so there remains as incentive to return to work. The premiums are usually tax deductible to the taxpayer.

Keyman insurance protects businesses from the loss of individuals whose knowledge and experience are integral to the company by paying out a lump sum benefit. This ensures that in the event of sickness or accident, a business owner will not potentially lose their business. It helps to cover many financial risks should the key personnel of your business suffer from Sickness, death, trauma, accidents, etc. All of these potential risks have the ability to destroy your business financial plans.

That is why it is absolutely essential to incorporate risk management principles into your financial strategy for the business. To ensure that your risk management needs are handled in the most appropriate manner, we seek the very best assistance from providers of Keyman/Partnership risk insurance.

DFS will help you design your Keyman Insurance Portfolio and determine the most appropriate strategy to achieve your goals.

A buy-out sell agreement is, essentially, a will for your business and it eliminates a lot of difficulties and heartaches when a key person dies. A plan needs to be in place and a method of funding that plan must also be available. A Buy-Sell Agreement is a contract that binds the surviving owners to purchase the business interest of a deceased owner at a pre-arranged price. The Buy-Sell Agreement also obligates the estate of the deceased owner to sell its interest to surviving owners.

The agreement is often linked to an insurance policy on each partner's life whereby the policy provides the surviving partners with the money to be able to buy out the deceased/ disabled/ departing partner's interest. Generally the agreement is structured in such a way that it does not matter what business structure has been used to own the business i.e. family trust, company, partnership.

DFS’s Salary Packaging allows your employees to structure their remuneration to receive a combination of cash and pre-tax benefits for things like motor vehicles, laptop computers, superannuation, and otherwise deductibles. This means your employees can reduce their taxable income, leaving them with more cash in your hand.