Transactions

$23M refinance and debt restructure for a childcare operator expanding nationally. Incumbent facilities had become misaligned with the business trajectory — amortising debt and limited liquidity were suppressing growth. A strategic restructure reset the balance sheet and unlocked $2M in annual cashflow.

• $2M annual cashflow uplift through interest-only conversion and doubled notional repayment capacity
• New working capital line to fund rollout of additional centres and support a national footprint
• Facility secured solely against leasehold business interest — preserving capital for growth
• Lightened covenant settings, providing operational flexibility and stability

100% funding secured for an owner-occupied commercial property acquisition, with credit-endorsed terms from a major and second-tier lender within 24 hours. The incumbent bank was too slow and wedded to traditional LVR metrics — approval was achieved on FY25 management financials and forecast.

• 100% funding for owner-occupied commercial property — no equity contribution required
• Credit-endorsed terms from two lenders within 24 hours, including a major bank
• Approved on FY25 management financials and forecast, bypassing traditional LVR constraints
• Capex lines and working capital solutions arranged alongside the property facility
• Full removal of facility covenants and conditions

Two specialised assets for a single operator, structured at 70% LVR with a non-panel valuation accepted by the lender, above the market default for specialised commercial assets.

• 70% LVR on specialised assets, exceeding the typical 50–60% market position
• Non-panel valuation accepted, reflecting the true underlying asset value
• Positioned around operator strategy and exit in the private credit market

Three competitive term sheets secured within one week for a hospitality group carrying covenant pressure constraining growth. Extended tenor, covenant removal and $500K+ p.a. in cashflow relief delivered.

• $500K+ p.a. cashflow uplift through extended tenor and repayment restructure
• Covenant removal, providing operational flexibility and balance sheet reset
• Increased working capital to fund immediate growth initiatives

$3M in working capital facilities across three businesses in e-commerce and building supply wholesale. Refinanced away from a major bank after months of stalled conversations, with credit-endorsed terms within one week.

• $2M refinance of existing trade facilities plus $1M increase in new limits
• Clean, low-covenant structure aligned with how the group actually operates
• Placed with a relationship-focused lender suited to multi-entity complexity

Refinance of a $2.7M facility for a leading dental practitioner, unlocking $200K in annual cashflow and positioning the practice for future acquisitions. The client was constrained by a second-tier lender with restrictive covenants and high P&I repayments.

• Transition from P&I to interest-only repayments — 50% boost in annual cashflow
• Approved without valuations, on FY24 tax returns and FY25 management financials
• Full covenant removal and payout of outstanding ATO debt
• Security structured across owner-occupied commercial property and going concern value

Eight completed townhouses refinanced on a single title prior to subdivision registration. Valuation accepted on subdivided market value before titles were issued. Approval in one week after months of unsuccessful attempts elsewhere.

• 75% LVR against subdivided market value of $2,885,000, accepted pre-title registration
• Cash-out structured to fund outstanding subdivision costs
• Boutique private credit lender with flexibility to assess the asset on its merits

A leading skin clinic came seeking fit-out funding. A broader advisory conversation uncovered an SMSF acquisition opportunity, converting an operating cost into a long-term wealth creation asset inside super, while separately funding business growth.

• $1.05M SMSF commercial loan to acquire own premise, tax-advantaged wealth creation
• $800K fit-out facility funded externally against the business, keeping the SMSF clean
• Servicing on historical contributions and self-employed income, no fund liquidity required