About
Finance Experience With a Broader Perspective
Pinnacle Finance Hub was established to provide individuals and businesses with a more considered approach to residential and commercial finance.
Good lending starts with understanding what the client is trying to achieve and the financial position behind the application.
This is particularly important for self-employed borrowers and business owners, where personal and business finances can be closely connected and may require more explanation than a standard lending application.
Pinnacle Finance Hub brings together residential lending, commercial finance and practical banking experience to help clients understand their options and make informed finance decisions.
About Pinnacle Finance Hub
Finance decisions do not always happen in isolation.
For a business owner, buying or refinancing a home may depend on how business income is assessed.
Purchasing commercial premises may affect the amount of working capital available in the business.
Funding new equipment may need to be balanced against other borrowing or cash requirements.
Pinnacle Finance Hub works across both residential and commercial lending, allowing these different requirements to be considered within a broader financial picture.
The aim is straightforward: understand the requirement first, then investigate appropriate lending options.
Banking and Commercial Lending Experience
Pinnacle Finance Hub was founded by David Brown, whose background includes banking, commercial lending and relationship management.
Working with businesses and lending from within the banking environment provided first-hand experience of how lenders assess finance applications, the financial information they consider and the importance of presenting a clear lending proposal.
That experience now forms part of Pinnacle Finance Hub’s approach across both residential and commercial finance.
It is particularly relevant when working with business owners and self-employed borrowers, where understanding financial statements and business structures can be as important as understanding the loan itself.
Finance for Business Owners and Self-Employed Borrowers
Business owners can face lending challenges that do not apply to borrowers earning a straightforward salary.
Income can involve:
- \Companies
- \Trusts
- \Partnerships
- \Retained profits
- \Business liabilities
- \Multiple income sources
- \Changes in financial performance
- \Personal and commercial borrowing
Understanding the business behind those figures can be important when considering residential as well as commercial finance.
Pinnacle Finance Hub is comfortable working with that additional complexity and helping clients understand how lenders may view their position.
The Pinnacle Finance Hub Approach
Understand the Objective
The first step is understanding what you are trying to achieve and why the finance is required.
Consider Suitable Options
Available lending options are considered against the requirements of the client and the lender’s criteria.
Support the Process
Once a lending option is selected, the application is prepared and managed through the lender assessment process.
Understand the Financial Position
Relevant personal, property and business information is reviewed to develop a clearer picture of the circumstances.
Explain the Options Clearly
Finance can become complicated quickly. Pinnacle Finance Hub aims to explain the important differences and considerations in straightforward language.
Residential Lending
Pinnacle Finance Hub helps home buyers, investors and homeowners with self-employed home loans, first home buyer finance, next home purchases, investment property finance and home loan refinancing.
The ability to understand business income makes this particularly relevant for company directors, sole traders and other self-employed borrowers.
Commercial Finance
Commercial finance support includes commercial property, business premises, working capital, business loans, equipment and asset finance, vehicle finance and commercial refinancing.
The focus is on understanding the business requirement and finding a finance structure suited to its purpose.
Finance Support Across Sydney and the Illawarra
Pinnacle Finance Hub works with residential and commercial clients across Sydney, including the Sutherland Shire, and throughout the Illawarra.
Appointments can be conducted by phone or video, with face-to-face meetings available by arrangement.