SMSF Loans Without The Red Tape
Unique SMSF Loans without the bank drama
We wanted to offer borrowers the ability to get a self managed super fund loan without all the dramas of a bank. Which is why our deals are funded by family offices that understand the needs of investors. This means more money to you, quicker delivery of funds and without the drama. We essentially wanted to help borrowers get a loan, without the liquidity and SMSF size hurdle requirements that other lenders have. Key features of our loans are:
- Minimal documentation is required.
- Interest only repayments or capitalised.
- We can settle deals in a matter of 6 working days.
- Ideal for 3 months to 3 years.
- Loans up to $10M
How To Use Your Self Managed Super Fund
When to use a SMSF loan with Royce Stone Capital?
Self managed super fund loans are a powerful way to maximise your wealth, reduce your effective tax rate and have a degree of asset protection. Both business owners and investors use RSC SMSF loans to reduce cash flow issues within their SMSF. As such the loans we provide are for 3 months to 3 years in term and are interest only. A few examples of when to use a SMSF loan are below.
- Business owners use SMSFs to acquire their businesses premises. This then requires a market rate of rent to be paid to the SMSF. The income in the SMSF is taxed at the applicable SMSF rate instead of the company tax rate!
- Business owners use the self managed super fund structure as a form of asset protection to protect their assets from other creditors (speak to your lawyer).
- Investors use the SMSF structure and use SMSF loans to acquire investment properties to grow their wealth, whilst having income taxed at the SMSF rate.
- There are ways the SMSF can be used for property development, and to help put funds in the SMSF to use (speak to your accountant and lawyer).
Work with us today, so you can get the full benefits of a SMSF structure!
We make SMSF loans easy
Application process for your SMSF loan without the drama
At Royce Stone Capital because of the family offices we work with, our application process for self managed super funds loans are very simple and straight forward. We've made the process easy and drama free, so you can get on with your life.
Our initial DD is comprised of the below.
- Our partners conduct an internal valuation (9 times out of 10, external valuations aren't required, thus saving you time and money.
- We require the SMSF details, and bare trust details.
- We require a copy of your ID.
- We require an exit plan (how you will repay the funds).
- We require the up-to-date audit and tax returns of the SMSF.
When you think about it, this is very simple compared to most major lenders!
Urgent SMSF Loans
Advantages of SMSF Loans with Royce Stone Capital
Getting a SMSF loan solution with Royce Stone capital, means you get the flexibility and urgent funds you require to succeed. Whether it is for a business, investment or asset protection reasons, you can move forward with confidence to grow you wealth!
- Secure an exclusive network of family offices to fund your deal who want you to win.
- Use the funds to invest and grow your wealth.
- Get the certainty of funding that you deserve, without the headaches of a credit committee.
- Interest only to save you on cash flow.
What type of assets can i buy with a self managed super fund loan?
Providing you have a SMSF, you may be able to get a SMSF LRBA loan. This is where you use your SMSF to take a loan from a lender to purchase an asset. There are very strict rules about what assets you can purchase within your SMSF, as stated by the SIS Act. For example, doing a property development within the SMSF and borrowing for a non-completed asset could be a breach. Or buying your personal place of residence in your SMSF to live in, would also be considered a breach. One of the main features of assets purchased in an SMSF using a self managed super fund loan, is that the asset is complete, and is able to produce income. There are certain structures that may allow for certain transactions, however you must speak to your tax lawyer and accountant to confirm which assets may or may not be allowed according to the SIS Act .
How much can i borrow with a SMSF Loan?
With Royce Stone Capital and the family offices we work with, we provide loans in your SMSF up to $10M dollars and typically at a 65% to 70% LVR. The smallest loan we will look at is $200k.
What is the minimum deposit for a self managed super fund loan?
With Royce Stone Capital and the family offices we work with, we typically provide up to 70% of the funds you require to complete a purchase. This means the other 30% of the asset purchase must come from you.
Can i use my SMSF / self managed super fund to purchase an investment property?
Yes you can, and there are significant tax advantages to purchasing an investment within your self managed super fund. Look at your SMSF as a SPV - special purpose vehicle, that you can use to acquire and protect asset withs, whilst also getting a tax benefit from.
