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Secure your growth

LEDGE Company Profile

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Page 1: LEDGE Company Profile

Secure your growth

Page 2: LEDGE Company Profile

The equipment finance specialists.

At Ledge, we specialise in equipment finance. Since we started the business in 1979, we’ve helped many clients grow their businesses in a secure and sustainable way. And we’re now the biggest equipment finance originator in Western Australia.

Our success depends on two key factors.

Firstly, we make a point of understanding our clients’ businesses and their goals. We call this ‘delving deeper’. Only armed with this knowledge do we then consider the finance options available.

Secondly, we have long-standing relationships with Australia’s top lenders, and we leverage these relationships on your behalf to offer you some of the best rates, terms and conditions the market has to offer.

Secure your growth

Ledge Finance LimitedABN 56 009 138 863Level 2, Westgate Building420 Bagot Road, Subiaco WA 6008Telephone 08 6318 2777Facsimile 08 6318 2788Email [email protected] Credit Licence No: 392211Established 1979

Page 3: LEDGE Company Profile

Services

Equipment Finance Hire Purchase

Chattel Mortgage

Finance Leasing

Novated Vehicle Lease

Operating Leases/Rental Agreements

Technology & Energy

Business Finance Insurance Premium Funding

Business Banking

Commercial Loans

Project Finance

Import Facilities

Cash Flow Finance

Surety/Performance Bonds

Debt Restructuring

Property / Construction Commercial Property & Construction

Residential & Home Loans

Expanding without growing pains.

In over 35 years of business, we’ve worked with many different industries. But whatever the nature of the industry, one maxim holds true. If a business is going to fail, it will often be when it’s trying to expand.

Although growth is generally a good thing for a business, poorly managed expansion can bring with it enormous financial strain.

The Ledge approach is designed to minimise your exposure - yet give you the secure access to the credit you need to help your business expand.

So how do we do this?

Page 4: LEDGE Company Profile

Delving deeper.

Our first priority is to understand your business in depth and detail. We’ll ask you to share your goals and visions with us so we can see why and how you plan to expand. We’ll spend time talking with your accountant, walking around your offices or factory and getting to know your business as best we can.

Our broad expertise means that we’ve most likely worked with people in your industry before and can share our experience and insights with you.

Once we’ve gathered and analysed this in-depth knowledge, we can then recommend suitable finance options for you.

Selection and Protection.

Generally, we spread your finance requirements over a range of providers to limit your exposure - and minimise any conditions and convenants. In most cases, we can secure your facilities against the equipment you’re buying.

Whatever our solution, it will take into account the implications that borrowing will bring to your business - and be designed to best protect your assets and working capital.

Ledge has partnered with Plantman from the start and remains the company’s exclusive supplier of the finance which has helped to underpin the company’s strong growth over the past 23 years.“Ledge and Plantman have been together for a long time and our relationship has continued to strengthen over the years,”.“Working with Phil and David Kempton has been excellent; what they do for us has been instrumental in our company’s development.”Michael Elliott, Managing Director Plantman, November 2014

Page 5: LEDGE Company Profile

Straight to the top.

Over the years, we’ve forged some very strong relationships with Australia’s leading banks and major specialist business lenders. In fact, some of these organisations rank us among their top clients.

So when we talk to the banks on your behalf, we talk directly with the managers and the decision-makers. And because we are not aligned with any bank or financier, we can choose the lender - or combination of lenders - which best suits you.

Our reputation for detailed applications and quality clients means we can use our buying power to your advantage. Or, to put it bluntly, we have the market clout to get favourable decisions - and fast.

As part of our service, we handle all the paperwork associated with arranging your facilities.

Once the deal is done, our service doesn’t end. If you need information about your account, ring us. We can access details of your account much faster than you can. Or you may just want to have a chat about the state of the finance markets before taking on a new commitment. Either way, we are here to help.

Ledge Finance has been a long term partner with Wayne Adams as he has driven the growth of Allied Forklifts.“Craig (Ruthven) at Ledge assisted with the acquisition of Powerlift,” he said.“Over the years I have had a number of finance brokers approach me, but Ledge just provides excellent service. They share the same ‘customer service’ ethos that we have at Allied Forklifts, so it is a really good, comfortable fit apart from getting the finance side sorted very efficiently.”Wayne Adams, Managing Director, Allied Forklifts, November 2014

Page 6: LEDGE Company Profile

Our inside knowledge.

After 30 years in equipment finance, there’s not much we haven’t arranged a loan for. Our team of Finance Executives can draw on its collective experience of working with a very diverse range of industry sectors from mining to transport and logistics, and from manufacturing to retail.

What Ledge clients say.

Ledge is a company happy to be judged by its clients because our work is solely to assist their success - and their judgements are the most telling. We are committed to securing the best possible terms and conditions for clients, while best protecting their assets and working capital.

Industries we know and serve ResourcesInfrastructure Earthmoving Construction Transport & LogisticsEngineering Lifting Health Mining Manufacturing Food Agribusiness Professions & Service Industries Wholesale Distribution Retail

“The National’s relationship with Ledge Finance dates back over more than two decades. We have enjoyed an excellent working relationship with their team over this extended period.“This relationship has been highly successful because – like the National – Ledge Finance has an obsession for its clients and an unrelenting focus on customer service.”

Craig Bull, WA State Manager Asset Finance, NAB, November 2014

“Ledge is an accredited Platinum Broker – and our association dates back over 15 years. Over this period, we have established a strong, productive and valued professional relationship that has enabled both of us to grow our respective businesses and service the needs of the equipment finance market In Western Australia.“Throughout, Ledge has demonstrated a capacity to deliver a high level of service to clients, by effectively identifying, sourcing and managing finance for complex asset finance and commercial finance transactions in a challenging and competitive market environment.”

Mark Patterson, State Sales Manager- Asset Finance WA, Commonwealth Bank of Australia, November 2014

Page 7: LEDGE Company Profile

Ledge Senior Management

Phil Botsis, FAICD; F.Fin. Managing DirectorPhil founded Ledge in 1979 having previously worked for a major finance company and a finance broking business. From its inception, Phil has overseen Ledge’s rapid and sustained growth which has taken it to the position of Western Australia’s largest equipment finance originator. Phil still actively services many of his

original clients whilst he continues to develop relationships with new clients. Internally, Phil mentors the Ledge team, challenging and supporting his staff to achieve success. Phil is a Fellow of the Australian Institute of Company Directors and Finsia and holds a Certificate IV in Finance and Mortgage Broking.

Noel Smith Director - Lending Solutions, Risk & Compliance

Noel has established and implemented Ledge’s Credit/Risk policies and has primary responsibility for maintaining strong relationships with our finance providers. He is a committee member of two

industry bodies, CAFBA and MFAA (Equipment & General Finance Brokers Committee) who represent the interests of Finance Brokers throughout Australia. Noel holds a Certificate IV in Finance & Mortgage Broking

Tony Del Popolo, Director - Corporate Finance Executive

Tony is a Chartered Accountant with substantial public practice and commercial experience. His strong, practical knowledge means he’s well-equipped to provide businesses with the most effectively-structured finance

packages and solutions. His main focus is on the areas of engineering, manufacturing and construction but his service extends to a wide range of other industries. He is an expert at identifying and spreading the finance risk for his clients.

Simeon Botsis Chief Financial Officer Simeon established his career at Ledge from the ground up, developing his own client portfolio before taking on the role of Chief Financial Officer. He has more than 20 years experience packaging a broad range of finance products, and apart from overseeing the performance and

investments of Ledge, Simeon also manages the investments and finances of other entities within the group. Simeon holds Certificate IV in Financial Services (Finance/Mortgage Broking) and is a Member of the Australian Institute of Company Directors.

Page 8: LEDGE Company Profile

Ledge Organisational Structure

Robin CohenCraig Ruthven Neil Ferguson

David Kempton

Isaac Hough Brad Spencer

Ronald NgStewart Kerr

Bianca ConnollyMaria EberhardtParvina Oripova

Kerry Duncan

Geoff Newman Non Exec. Chairman

Trevor Hunt Non Exec. Director

Noel SmithDirector -

Lending Solutions Risk & Compliance

Simeon Botsis Chief Financial Officer

Karen Pitcher Financial Controller

Phil BotsisManaging Director

Elaine LangfordExecutive Assistant

Tony Del PopoloDirector -

Corporate Finance Executive

Senior Finance Executives Client Support Specialists