RECENT CLIENT EXAMPLES
Management buy-out – $6.5m
Situation: The Australian directors of a NASDAQ-listed company's local subsidiary sought to purchase the business off its parent, with no property security available and turnover of $70m to support.
Approach: Structured a cash flow lend across term debt, working capital, trade finance and transactional banking, running a full tender to all major Australian banks to secure the best terms.
Outcome: The MBO completed with a funding structure matched to the business's cash flow profile rather than asset backing.
Refinance of ATO-impaired debt – $3.0m
Situation: A client had expanded into China while carrying $800k+ in ATO arrears, and their incumbent bank would not support further funding once the ATO debt came to light — leaving the business under penalty pricing with no clear path forward.
Approach: Arranged a full refinance combining specialist non-conforming lending with factoring and debtor finance, structured so the outstanding tax arrears could be repaid from R&D tax concessions over time.
Outcome: The client exited the impaired banking relationship entirely, with funding costs falling under the new structure.
High net worth client – $7.0m
Situation: A client needed $1.5m cash out on a luxury South Yarra home, with complex financial and legal structures in place as property developers — cash flowing down from multiple SPVs into multiple trust vehicles.
Approach: Worked closely with the valuer and the client's bankers to secure the right valuation outcome, avoiding the property being argued as a development site (which would have cut lending to 50% LVR).
Outcome: Achieved an 80% LVR home loan with a major Australian bank, with the client able to use the cash out unrestricted.
Commercial property investment – $6.355m
Situation: A client purchased an existing commercial property on vacant possession and redeveloped it into a multi-tenanted allied health leasing profile, funding most of the works outside normal construction lending parameters.
Approach: Worked directly with the bank and chose the right valuer to ensure the valuation reflected the specialised, non-arm's-length tenancy profile accurately — correcting for misallocated comparable sales and incorrect rental yields.
Outcome: Maximised gearing on an 18-month build-to-settlement process, delivering significant uplift in value.
Urgent home loan – $4.8m
Situation: A client was left without finance two weeks before settlement on a $6.0m Toorak home purchase, after the bank backing the deal withdrew six months into the process.
Approach: Worked around the clock with another major lender to secure a competitive offer, including arranging same-day property valuation and loan documentation.
Outcome: Settled on time, with the purchase saved from falling through at the last stage.
