We work with an entrepreneurial approach to your business needs.

Our property and asset expertise - and entrepreneurial approach to financing allow us to work creatively with our clients and structure an appropriate financing solution to help them achieve their goals.

Below we will review various loan types that we can help with.

Residential and Commercial Property Finance
Whether you are a business owner looking to purchase and occupy the property for your own business, such as a warehouse, office, retail store, or medical practice, or an investor who intends to purchase a commercial property as an investment and proceed to lease it out, we can help. We can also help you refinance an expiring or unsatisfactory loan.

In addition, we can finance investment property - residential 1 - 4 units, more than 4 units, mixed use properties, land, etc.

Additionally, if you are self-employed, have income streams that may be difficult to prove, average credit, or require an urgent settlement, private commercial finance may work for you. We also have Full Doc loans, DSCR loans (based on rent roll), NoDoc loans and Stated Income Stated Asset loans.

We don’t work conventionally but rather we seek to provide solutions as required by the client.

Development Financing
We can help source and secure development financing that a developer can draw-down in stages generally in line with key construction stages or settlement of the purchase and allow for interest payments on the amount drawn-down.

We will work with lenders to review a project’s stage of development, the expected construction period, and risks. We can determine the right financing solutions to meet a developer’s specific needs, time frame and business plan.

Development finance can be used for the following types of developments projects:

Residential Projects.
Commercial.
Industrial.
Office
Retail.

We can also advise on land acquisition as part of the construction finance.
Incomplete Developments
Distressed and Workout Situations
Presale and Non-Presale options

We can help source financing for all property types, project types, and project sizes.
Construction Financing

We can help provide construction finance for:
Commercial.
Industrial.
Office
Retail.
Residential Projects.

We can also advise on land acquisition as part of the construction finance.

Every construction loan is different, because no two projects are ever the same. Clients can benefit from our experience in securing favourable lending terms based on the needs of each individual project.

Bridge Financing
Bridge finance is a short-term loan, generally taken for up to 2 years and it primarily provides interim financing until permanent financing is obtained. Once the new financing is organised (either via property sale or refinance) the bridge loan is paid back.

For commercial property, bridge loans are used for example to quickly settle a property purchase or take advantage of a short-term opportunity to secure long-term financing. Another example is a developer in the period of waiting to finalise plans and permits.

Other uses for Bridging Finance include:

Property acquisition prior to selling an existing property.
A situation where a quick settlement is required.
Opportunistic purchase. If you find yourself here, then contact us for a private bridging home loan.
Get in touch with us to learn more how we can help.


Short-Term Lending
Short-term finance works best when there is an immediate problem that needs to be addressed, or when one would like to fulfil and take advantage of an unexpected opportunity.

For property owners and investors, short-term finance can allow for:

Urgent settlements.
Bridging finance to fill the gap between the purchase and sale of a property.
The ability to act quickly on advantageous opportunities.
Tight deadlines that need to be met.
For businesses and business owners, a short-term lending facility can help businesses meet an increased demand for cash-flow. For example, to fulfil an unexpected opportunity or address an immediate problem. This is particularly true today where the lending criteria from traditional sources is tightening.

Such challenges that can be negated by short-term lending include:
Paying tax liabilities and ATO debt.
Refinancing debt or deleveraging from a lender.
Resolve potential insolvency issues and allow for business turnaround.
Creditor repayments.
Equity release.
Debt refinancing.

Take advantage of seasonal trends, such as by purchasing additional inventory or hiring extra staff in a holiday period.

Business emergencies, such as equipment breakdown
Working capital, to purchase stock for example.

A short-term finance facility can allow a business owner to capitalise on an unexpected opportunity, such as:
Bridging the gap between the sale and purchase of property.
Rapid drawdown and equity release.

Acquiring a competitor or complementary business.
Growing a business when capital is required upfront
(i.e. for staff, marketing, an office fit-out or IT infrastructure).

1st and 2nd Mortgages
We can help borrowers source 1st and 2nd mortgages.

The first loan registered against a property is known as the ‘first mortgage’. The second loan or mortgage registered against a property is known as the ‘second mortgage’.

The primary difference between the two, is that should the borrower default, the first mortgagee will get paid out first. Second mortgages therefore carry a greater risk for the lender and will therefore require higher interest rates.

In both cases, these loans and their security rely on the property in question. The security can be commercial, residential, or industrial.

Asset and Equipment Financing
If you are purchasing an asset for business or for private use, we can connect you to a variety of lenders and options to tailor your finance needs to meet your goals, financial circumstances, and objectives.

Asset Finance is often used for:
Purchasing a car for personal or business use.

Purchasing business equipment and machinery.
Leasing options for equipment, machinery, and vehicles
Getting funds from an asset that is free and clear.

Factoring
Factoring provides a line of credit to businesses, secured against their outstanding accounts receivable. Also knows as full service debtor financing. Factoring is suitable for businesses of all types and sizes (including those in a turnaround).

Benefits include:

No need for property as security
Facility can grow naturally along with the business
Allows business owners to focus on building their business without having to constantly chase up customers for payment.


Private Lending
Private lending in its most basic form is where a lender or investor provides capital directly to a borrower for a specific transaction, and generally takes place in the non-bank environment.

With Private Lending, the two sides of the transaction have a more direct relationship than in the traditional banking environment. These transactions are therefore not regulated by ASIC or APRA and are commonly referred to as being ‘non-coded’.

Property Types we can assist with for financing purposes:

Offices
Office Buildings
Hotels
Retail
Shopping Centres
Warehouses
Industrial Property
Land
Construction
Developments
Apartment Buildings
Townhouse Projects
Healthcare
Student Housing
Senior Housing
Land
Land Banking
Land Subdivisions
Rural Properties
Medical Practices and Facilities