Past Projects
A small selection of loans we have sucessfully placed recently:
Refinancing high-cost business debt with recent financial losses.
The challenge:
An established family-owned business needed to urgently refinance multiple high-cost lending facilities that had been taken on during a difficult trading period which included personal family crises. Security was an owner-occupied residential property held in trust.
Complexities navigated:
Recent significant losses despite a long track record of profitability
Business recovery was in progress but not yet reflected in financials.
How it was structured
A short-term, interest-only facility was structured consolidating multiple facilities into a single, lower-cost loan. The structure provided immediate cashflow relief while allowing time for the business’s recovery to be demonstrated. The client has the option to exit to a main bank, or stay on a longer term P and I facility with the non bank lender.
Commercial refinance following business disruption and structural constraints
The challenge
A long-established organisation needed to refinance existing debt and raise working capital after a prolonged closure caused by external events.
Complex factors navigated
No personal guarantees available due to entity structure
Business interruption history impacting financials
Unit-title commercial property with a narrower buyer pool
Need to fund legacy liabilities before recovery could begin
How it was structured
A first-mortgage, interest-only facility provided breathing room to stabilise operations, with a medium-term plan to refinance once trading performance was re-established.
Farm acquisition involving multiple entities, leasehold land, and a non-standard exit
The challenge
A farm purchase needed to settle quickly after a change in ownership structure, involving multiple entities, leasehold land, and supporting security outside the core asset.
Complex factors navigated
Change in borrowing structure late in the transaction - the main bank withdrew their offer, which is where I came in to quickly find an alternative lender to allow the farm purchase to settle.
Mixed freehold and leasehold land
Cross-collateralised security including a near-completed residential build
Exit reliant on sale of a separate high-value asset
How it was structured
A short-term facility allowed the acquisition to proceed, with a clear and time-bound exit via sale and refinance once the residential asset was completed and sold.
Short-term refinance across multiple properties under time pressure
The challenge
A borrower needed an urgent short-term refinance for a development, while multiple properties were mid-transition — including newly issued titles, properties on the market that hadn’t sold, and overlapping exit strategies dependent on each other.
Complex factors navigated
Titles issued shortly before settlement, materially changing values
Reliance on multiple asset sales to form the exit
Capitalised interest required to relieve short-term cashflow pressure
Tight LVR constraints while values were still in flux
How it was structured
A short-term, capitalised facility was put in place to bridge the gap, allowing time for asset sales and a subsequent refinance to longer-term funding once conditions were met.
