Welcome to hatch

Business finance experts

We source, arrange and negotiate the best possible funding, security and pricing structures for your business – at no cost to you

about us

The team at hatch are highly experienced bankers with a difference.

We work for you to negotiate and access the best possible funding, security and pricing structures for your business. We have access to preferential banking arrangements from all of New Zealand’s leading banks and specialty lenders. We can take the stress and management out of arranging finance for your business, all at no cost to you. Think of us as your financial advocates not on the payroll.

what we do

Hatch has access to a wide range of products and lenders to suit all business funding requirements.

Our team are experts at determining your funding needs and presenting your transaction to lenders to secure the best possible rates and structures. Whether you have a great relationship with your bank or not, here’s how we can help you and your business.

Business funding
DE-RISKING
PRICING & SECURITY REVIEWS
MORTGAGES

Getting the right funding for your needs

PURCHASING A BUSINESS

Funding is a key consideration when buying a business. Leveraging the business assets and cashflows can enable greater levels of funding and when structured correctly improve the return to the owner.
WORKING CAPITAL

Having the right level of overdraft facility to fund your working capital needs is a key business requirement. Too much or too little, or funding the wrong assets can cost you money.
STOCK & DEBTOR FINANCE

A flexible way to fund increasing sales and a growing debtor book. Can be used as a stand-alone facility to maximise the value in your receivables.
TRADE FINANCE

International funding line for importers and exporters. Funds specific trade transactions and can help manage trade and foreign exchange risk.
CASHFLOW LENDING

Funding used for both growth and acquisition against the strength of your balance sheet and cashflow; not the value of your home.
TERM LENDING

Lending to fund the long term assets of your business. Typically amortising and attracting a better interest rate to save your business money over time.
COMMERCIAL PROPERTY LOANS

Term funding against commercial property assets. Suits more sophisticated property investors and business owners looking to secure premises for their business.
ASSET FINANCE

Stand alone facility for plant, equipment and vehicles. Funding is aligned to the individual asset and amortised over the assets life.
leveraged transactions

Funding used for the acquisition of business and strategic growth. These transactions need to be aligned to the right business, industry and people but can allow access to a greater level of funding.
PRIVATE INVESTOR

An alternate option to access equity to fund the growth of your business or release some equity. It can help strengthen up your balance sheet which could enable you to take your business to the next tier.
BUY-IN-MANAGEMENT-BUY-OUTS

Stand alone facility for plant, equipment and vehicles. Funding is aligned to the individual asset and amortised over the assets life.
franchise

A great option using proven sales and operational platforms to establish business. Preferential franchise banking packages can often be sourced.

Looking out for your risk, not the banks

REMOVING THE HOUSE

Using the house to secure business funding is how many businesses get started. But is it appropriate now given the track record and financial strength of your business today? Would you sleep easier knowing your family home isnâ€™t securing the business?
COVENANTS

Reporting and financial ratios used to create running and communication lines between you and the bank. These can provide the bank with additional comfort but often over time they are no longer practical and/or can be onerous to running the business. Should be reviewed every year.
PERSONAL GUARANTEES

Is your business in a financial position to stand on its own? Removing personal guarantees is the last step in separating your personal assets from the business, which can add both value and comfort; particularly in a multi-ownership situation.

Does your interest cost reflect your risk profile?

PRICING

Reviewing suppliers regularly has become best practice in business. Your bank is also a supplier and their pricing should be reviewed regularly to ensure your business is getting the best rate to match its risk profile. We understand how banks assess risk profiles and can use this, together with our market knowledge on pricing, to get you the best rates and save your business money.
RELATIONSHIP

Unfortunately it has now become the industry norm to have bank managers change regularly. Do you know the name of your bank manager? What have they done for you in the last 6 months? Perhaps you have a good relationship with your manager but this makes it difficult to negotiate and have those difficult conversions about rates and security? Either way we can help by providing the relationship point or negotiating on your behalf.
PRODUCTS

Having the right banking products for your business can save you both money and time. There are always new products coming to market which may benefit or suit your needs better. We are at the forefront of what new products are coming to market and from which provider to give you all the options.
PLANNING

Creating a funding plan to align with your business plan can ensure funding is available when you need it and ensure you meet your business objectives. It also reflects well in the eyes of lenders by demonstrating the capability of business management in addition to allowing time to get things approved.

Business owners are also homeowners

OWNER-OCCUPIED

We know business owners are also homeowners. We also know that many businesses use the equity in their homes to help fund their business. In addition to sourcing business finance, hatch is also able to assist in arranging market-leading mortgage finance for owner-occupied and residential investment properties.
INVESTORS

Deciding on the right investment strategy for you plays a big part on the properties you invest in. LVR restrictions, Bright Line tests, security ring-fencing and tax structures are also considerations that need to align to your investment strategy. Even with RBNZ restrictions there are still plenty of options to get the funding to suit your investment profile; which can include 80% funding on residential lending. The right mix and formulating the right investment strategy will help achieve a good outcome.
COMMERCIAL PROPERTY

Commercial property investing can offer excellent returns to savvy investors. Lower deposits, higher yields, no-to-low operating expenses and longer leases are just some of the reasons why so many investors are choosing to diversify their portfolios with commercial property. Gaining a deep understanding of both the tenants and the property is critical to ensure the investment meets your risk profile and obtaining suitable funding.

Business funding

Getting the right funding for your needs

PURCHASING A BUSINESS

Funding is a key consideration when buying a business. Leveraging the business assets and cashflows can enable greater levels of funding and when structured correctly improve the return to the owner.

WORKING CAPITAL

Having the right level of overdraft facility to fund your working capital needs is a key business requirement. Too much or too little, or funding the wrong assets can cost you money.

STOCK & DEBTOR FINANCE

A flexible way to fund increasing sales and a growing debtor book. Can be used as a stand-alone facility to maximise the value in your receivables.

TRADE FINANCE

International funding line for importers and exporters. Funds specific trade transactions and can help manage trade and foreign exchange risk.

CASHFLOW LENDING

Funding used for both growth and acquisition against the strength of your balance sheet and cashflow; not the value of your home.

TERM LENDING

Lending to fund the long term assets of your business. Typically amortising and attracting a better interest rate to save your business money over time.

COMMERCIAL PROPERTY LOANS

Term funding against commercial property assets. Suits more sophisticated property investors and business owners looking to secure premises for their business.

ASSET FINANCE

Stand alone facility for plant, equipment and vehicles. Funding is aligned to the individual asset and amortised over the assets life.

leveraged transactions

Funding used for the acquisition of business and strategic growth. These transactions need to be aligned to the right business, industry and people but can allow access to a greater level of funding.

PRIVATE INVESTOR

An alternate option to access equity to fund the growth of your business or release some equity. It can help strengthen up your balance sheet which could enable you to take your business to the next tier.

BUY-IN-MANAGEMENT-BUY-OUTS

Stand alone facility for plant, equipment and vehicles. Funding is aligned to the individual asset and amortised over the assets life.

franchise

A great option using proven sales and operational platforms to establish business. Preferential franchise banking packages can often be sourced.
DE-RISKING

Looking out for your risk, not the banks

REMOVING THE HOUSE

Using the house to secure business funding is how many businesses get started. But is it appropriate now given the track record and financial strength of your business today? Would you sleep easier knowing your family home isnâ€™t securing the business?

COVENANTS

Reporting and financial ratios used to create running and communication lines between you and the bank. These can provide the bank with additional comfort but often over time they are no longer practical and/or can be onerous to running the business. Should be reviewed every year.

PERSONAL GUARANTEES

Is your business in a financial position to stand on its own? Removing personal guarantees is the last step in separating your personal assets from the business, which can add both value and comfort; particularly in a multi-ownership situation.
PRICING & SECURITY REVIEWS

Does your interest cost reflect your risk profile?

PRICING

Reviewing suppliers regularly has become best practice in business. Your bank is also a supplier and their pricing should be reviewed regularly to ensure your business is getting the best rate to match its risk profile. We understand how banks assess risk profiles and can use this, together with our market knowledge on pricing, to get you the best rates and save your business money.

RELATIONSHIP

Unfortunately it has now become the industry norm to have bank managers change regularly. Do you know the name of your bank manager? What have they done for you in the last 6 months? Perhaps you have a good relationship with your manager but this makes it difficult to negotiate and have those difficult conversions about rates and security? Either way we can help by providing the relationship point or negotiating on your behalf.

PRODUCTS

Having the right banking products for your business can save you both money and time. There are always new products coming to market which may benefit or suit your needs better. We are at the forefront of what new products are coming to market and from which provider to give you all the options.

PLANNING

Creating a funding plan to align with your business plan can ensure funding is available when you need it and ensure you meet your business objectives. It also reflects well in the eyes of lenders by demonstrating the capability of business management in addition to allowing time to get things approved.
MORTGAGES

Business owners are also homeowners

OWNER-OCCUPIED

We know business owners are also homeowners. We also know that many businesses use the equity in their homes to help fund their business. In addition to sourcing business finance, hatch is also able to assist in arranging market-leading mortgage finance for owner-occupied and residential investment properties.

INVESTORS

Deciding on the right investment strategy for you plays a big part on the properties you invest in. LVR restrictions, Bright Line tests, security ring-fencing and tax structures are also considerations that need to align to your investment strategy. Even with RBNZ restrictions there are still plenty of options to get the funding to suit your investment profile; which can include 80% funding on residential lending. The right mix and formulating the right investment strategy will help achieve a good outcome.

COMMERCIAL PROPERTY

Commercial property investing can offer excellent returns to savvy investors. Lower deposits, higher yields, no-to-low operating expenses and longer leases are just some of the reasons why so many investors are choosing to diversify their portfolios with commercial property. Gaining a deep understanding of both the tenants and the property is critical to ensure the investment meets your risk profile and obtaining suitable funding.

how we do it

We have a structured process and well-proven approach

INITIAL REVIEW
ASSESSMENT
APPROACH
RECOMMENDATION
IMPLEMENT
ONGOING REVIEW

We meet up and gain an overview of your business. Discuss needs, goals and objectives. Obtain supporting financials (what is currently available).

We review your unique business profile, structure, pricing and security.

Discuss initial findings with you and your trusted advisers. Approach existing bank and suitable other lenders to negotiate and explore all your options.

Present and review your options together with our recommendation for discussion with you and your accountant and solicitor.

Oversee any changes to existing funding arrangements; and/or help transition any funding provider changes.

Scheduled reviews to ensure arrangements are still meeting your requirements. Plan for any future funding requirements.

INITIAL REVIEW
ASSESSMENT
APPROACH
RECOMMENDATION
IMPLEMENT
ONGOING REVIEW

We meet up and gain an overview of your business. Discuss needs, goals and objectives. Obtain supporting financials (what is currently available).

We review your unique business profile, structure, pricing and security.

Discuss initial findings with you and your trusted advisers. Approach existing bank and suitable other lenders to negotiate and explore all your options.

Present and review your options together with our recommendation for discussion with you and your accountant and solicitor.

Oversee any changes to existing funding arrangements; and/or help transition any funding provider changes.

Scheduled reviews to ensure arrangements are still meeting your requirements. Plan for any future funding requirements.

Proffessionals

Working with your accountant & solicitor

Your accountant and solicitor are experts at what they do in providing financial and legal information and advice. hatch works with your professionals to do what we are experts at, presenting lending and security structures to banks to get the best funding options for your business.

We work alongside your professional advisers and recommend their involvement in preparing financial information and advising on legal structures.
Working with your professional advisers means we’re all on the same path and we would expect any recommendation we make for funding to be supported and endorsed by them.

As we are highly experienced bankers, we know exactly what banks are looking for and the best way to present your particular transaction. In doing so, we do the majority of the banks work for them, meaning they can pass those cost savings on in the form of better pricing to you. In the same way, we are typically remunerated by the banks, meaning there is no additional cost for our services.

WHO WE ARE

The team at hatch are highly experience bankers with a difference.

We work for you to negotiate and access the best possible funding, security and pricing structures for your business. Think of us as your financial advocates not on the payroll.

Registered Financial Adviser

Simon Parr

Simon is a Financial Adviser with over 25-years banking experience having worked for The National Bank, ANZ and Westpac across business, commercial and corporate divisions, including in senior leadership positions. His extensive experience and networks means he knows how to bring the right thinking and people to the table to get great outcomes for his clients.

021 496 988 simon@hatchaplan.co.nz https://www.linkedin.com/in/simon-parr-83a0b6129
Registered Financial Adviser

Tom Webber

Tom is a Financial Adviser with 15 years banking experience having worked for ASB, ANZ and Westpac in New Zealand and Barclays in the UK across business, commercial and corporate divisions. His extensive experience means he understands how banks work, what their offerings are; and what they are looking for when assessing lending applications. He has excellent banking and business networks and a strong customer focus.

027 364 0616 tom@hatchaplan.co.nz https://www.linkedin.com/in/tom-webber-0280626

who we work with
proud members of

case studies

Working Capital (Debtor Finance)

Business experiencing strong sales growth which was requiring more cashflow to fund stock and an increasing debtor book. Their bank was relying on the value of their home to secure funding lines but this had reached the maximum loan to value ratio. hatch secured a debtor finance line for the business which enabled easy and transparent access to a larger working capital facility to fund growth while retaining existing banking facilities.
New Business Purchase

Experienced operator and respected within the industry wanting to work for themselves and own their own business. Had limited cash towards purchase but had built up equity in their home. Transaction structured to take advantage of the equity in the home, borrowing against this asset then injecting this cash towards business purchase where the remainder of funding (approx. 60%) was provided against the strength of the cashflow and their industry experience.
De-Risking (Removing The Home)

Business owner had gone from start up to moderately successful, generating consistent levels of profitability and sound equity. When the business was first established equity in the home was used to provide security for the funding. However now with the performance levels of the business the owners felt like they were taking all the risk and that their family would take comfort if the family home was no longer securing the business funding. hatch found a bank that was happy to provide the business funding against the strength of the business on a stand-alone basis which allowed the family home to be removed from the equation
100% Owner-Occupied

Business trading 10 years, operating out of same premises over that time. Built up good track record of profitably and equity. Looking to diversify investment outside the business but not take on risk. Approached the landlord to purchase the premises. hatch arranged 100% funding partly against the cashflow of the business and remainder against the property itself. Limited impact on cashflow with loan repayments replacing rent payments. Now has property asset outside the business and little tenant risk.
Leveraged Transaction

Successful company had reached natural market share but still wanted growth to meet strategic goals and direction. Decision made to acquire largest competitor. Hatch arranged acquisition funding by leveraging the value in both companies which required no additional shareholder capital.
Bimbo (Buy-In-Management-Buy-Out)

Successful business owner now in their 60â€™s looking to sell. Business had strong management team who were very interested in buying the business but did not have the means to do so. hatch, alongside the accountant and solicitor, worked to structure a staged buy in / exit and provide funding lines that matched. This enabled the management team to purchase the business over time and the current business owner to maximise sale value and remain working within the business they built but investing less time.

Working Capital (Debtor Finance)

Business experiencing strong sales growth which was requiring more cashflow to fund stock and an increasing debtor book. Their bank was relying on the value of their home to secure funding lines but this had reached the maximum loan to value ratio. hatch secured a debtor finance line for the business which enabled easy and transparent access to a larger working capital facility to fund growth while retaining existing banking facilities.
New Business Purchase

Experienced operator and respected within the industry wanting to work for themselves and own their own business. Had limited cash towards purchase but had built up equity in their home. Transaction structured to take advantage of the equity in the home, borrowing against this asset then injecting this cash towards business purchase where the remainder of funding (approx. 60%) was provided against the strength of the cashflow and their industry experience.
De-Risking (Removing The Home)

Business owner had gone from start up to moderately successful, generating consistent levels of profitability and sound equity. When the business was first established equity in the home was used to provide security for the funding. However now with the performance levels of the business the owners felt like they were taking all the risk and that their family would take comfort if the family home was no longer securing the business funding. hatch found a bank that was happy to provide the business funding against the strength of the business on a stand-alone basis which allowed the family home to be removed from the equation
100% Owner-Occupied

Business trading 10 years, operating out of same premises over that time. Built up good track record of profitably and equity. Looking to diversify investment outside the business but not take on risk. Approached the landlord to purchase the premises. hatch arranged 100% funding partly against the cashflow of the business and remainder against the property itself. Limited impact on cashflow with loan repayments replacing rent payments. Now has property asset outside the business and little tenant risk.
Leveraged Transaction

Successful company had reached natural market share but still wanted growth to meet strategic goals and direction. Decision made to acquire largest competitor. Hatch arranged acquisition funding by leveraging the value in both companies which required no additional shareholder capital.
Bimbo (Buy-In-Management-Buy-Out)

Successful business owner now in their 60â€™s looking to sell. Business had strong management team who were very interested in buying the business but did not have the means to do so. hatch, alongside the accountant and solicitor, worked to structure a staged buy in / exit and provide funding lines that matched. This enabled the management team to purchase the business over time and the current business owner to maximise sale value and remain working within the business they built but investing less time.

CONTACT US

Get in touch for your FREE no obligation review

12 Madden Street
Wynyard Quarter
Auckland Central
0800 428 244
support@hatchaplan.co.nz

Welcome to hatch

Business finance experts

about us

The team at hatch are highly experienced bankers with a difference.

what we do