What made it hard, and how it was solved.

• 30 Years — P&I First Registered Mortgage

  Property-backed commercial borrower

  The client had been relying on a private interest-only facility. It had served its purpose, but the balance was never reducing — every year simply rolled the same debt forward. We arranged a 30-year principal-and-interest facility at a materially lower rate, so the debt finally began to pay down rather than perpetually refinance. The structure also leaves a clear path to mainstream bank finance as their position strengthens.

  Outcome

  Out of short-term private debt, onto a reducing balance

• $12.5M — Second Registered Mortgage

  Commercial property investor

  A substantial second mortgage where the underlying commercial lease was approaching expiry — the kind of tenancy risk that usually stops a funder at the first conversation. Additional corporate support was structured into the transaction without taking mortgage security over the supporting entity's own properties, which gave the funder enough comfort to proceed without over-encumbering the borrower's wider portfolio.

  Outcome

  Funded despite an expiring lease

• $1M — 5 Year Business Overdraft

  NDIS operator, expanding

  An expanding NDIS provider needed working capital to build out an executive team, open a second office, and carry rising payroll and superannuation obligations ahead of the revenue that would fund them. Structured as a five-year facility secured by a second mortgage, so growth was not throttled by the timing mismatch between hiring and cashflow.

  Outcome

  Secured by second mortgage

• $500K — 5 Year Unsecured Term Loan

  Custom joinery manufacturer

  An established joinery manufacturer approached us for $300,000 of working capital to fund stock purchases and smooth cash flow. The business had a long trading history, clean credit with no defaults or judgments, no ATO arrears, and turnover of roughly $3 million a year — enough to support a facility well beyond the one being asked for, and to do it without taking security over any property. We settled $500,000 as a five-year unsecured term loan: more funding than requested, over a term long enough that repayments sit against monthly trading rather than against the short-term facility the business had been carrying.

  Outcome

  Unsecured, and above the amount requested

• $3M — Second Registered Mortgage

  Commercial property owner

  The borrower needed $3 million for business works, sitting behind an existing first mortgage to a major bank, and had a settlement deadline five days out — a timeframe most funders will not even quote on. The security was a commercial property valued at roughly $8 million, held on a long lease to a national fuel retailer with more than a decade still to run, and a current valuation was already in hand. Strong, long-dated rental income and a valuation that did not need commissioning are what made the deadline achievable: a $3 million gross second registered mortgage, on a twelve-month term, settled inside the week.

  Outcome

  Settled in five days

• $700K — 5 Year Business Overdraft

  Transport and logistics operator

  A multimillion-dollar transport business expanding its warehousing capacity, where a term loan would have been the wrong shape entirely. A flexible facility let the borrower draw and repay as the expansion demanded, paying interest only on what was actually used rather than on a lump sum sitting idle.

  Outcome

  Interest payable only on funds drawn

Transactions completed by our team, including work undertaken in previous roles. All details anonymised. Past transactions are not a guarantee of future outcomes, and every application is subject to funder assessment and credit approval.