Your very own personal banker and finance concierge.
The construction industry is dominated by the big banks which have been the target of what seems to be endless scrutiny from the royal commission. Merchant Channels is a commercial focused broker with the mission to disrupt the construction industry.
We understand the financial strain and artificial demand in housing puts pressure on developers to continually innovate and take bigger risks then before. This is why we wanted to innovate and change the experience that construction companies, builders and skilled tradesman have when they interface with the banks. We want to become the lifeblood of the construction industry and innovate ways to mitigate risks for investors by disrupting the way industry thinks about construction finance.
Find out how we are disrupting the finance industry and continually innovating.
Investment Banking
Key negotiation skills and partnerships enable us to guide your business deals into fruition. We make deals happen on schedule and are able to manage project finance from signature to occupational certificate. Read more about Investment Banking….
Construction Finance
If your proposed development has been rejected by the big banks, then we want to hear from you. We accept applications from all builders and developers provided they have development application approval. Read more about Construction Finance….
Commercial Loans
Business-like organizations can only grow without debt provided that the margin for diminishing returns allows it so. We want your business to grow. We have experienced business growth professionals and financiers that want to see your balance sheet sky-rocket. Read more about Commercial Loans….
Our Process
Whilst we are not the big banks, our rules and policies are governed by Know-Your-Client Principles. We strive to make our process efficient, transparent and fast.
Step One: Discovery
The first step is the first meeting, this is what I call “the discovery”. The first meeting is always free. The discovery is about coming to an understanding what we can do for you, why you want our help and for us to explore and find ways to assist you. This means we need to the full picture, including any plans, financials, bank statements and character references. The documents you present should allow us to be confident that what you are presenting is factual, allowing us to move on to the next stage.
Step Two: Research
If we agree to progress to the next stage, the research stage, there are fees involved. Think of this as a necessary expense as it will allow you to find clarity in your plans and explore legitimate funding options. Any fees will need to be paid before the commencement of the last stage which is our proposal to you.
Step three: Solutions and Problem Solving
Third and last. This is the solutions phase, were we present to you our refined plan and in some cases a partnership proposal that will provide us with the character and security of knowing that you are going to be mentored by experts and have the strongest possibility of securing the funding you desire. Your refined business plan will have a few common traits; re-birthing of your business financials; mentor ship, we hold your hand throughout the process; and We secure funding through traditional routes or Venture Partners. There is no size fits all process, there is no “cookie cutter” solution.
How we can help
Banks operate on an over simplified know your client (KYC) basis. Banks are known to take risks, but like any business they assess risk from an as is criteria meaning there is little room for entrepreneurship or start up funding. We facilitate alternate arrangements on the basis of trust and character. Whilst Capacity is a fundamental factor which can be the difference between an acceptance and a rejection. Having Merchant Channels consult other funding arrangements is more or less your best option.
