Case Studies
Selected examples of the types of client situations Lantern Capital has supported. Specific details may be adapted or withheld where confidentiality applies.
Business refinance and restructuring
Situation: A business was carrying ATO tax arrears and facing funding constraints that its existing banking relationship could not support, putting pressure on cash flow and growth plans.
Approach: Restructured the business's debt and banking relationship, arranging a refinance that addressed the tax arrears and rebuilt headroom across the business's funding lines.
Outcome: The business exited the constrained banking relationship with a structure suited to its cash flow and a clear path forward.
Regional business advisory and banking restructure
Situation: A multi-industry regional business was under cash flow pressure, with funding spread across several lenders and equipment finance facilities that no longer matched how the business operated.
Approach: Reviewed the business's full funding position and negotiated a restructure across its banking and equipment finance facilities, consolidating and repricing where possible.
Outcome: The business secured a more sustainable funding structure and improved cash flow position, with a banking relationship better matched to its needs.
Non-recourse funding structure
Situation: A client holding land and forestry assets required funding structured on a non-recourse basis, reflecting the nature of the underlying assets and the client's risk position.
Approach: Structured and negotiated a non-recourse funding solution secured against the land and forestry assets, working with the lender to align terms with the asset profile.
Outcome: The client secured the funding required without recourse beyond the underlying assets, preserving their broader balance sheet.
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.
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.
Additional experience includes commercial property funding, debtor finance, trade and international finance, tailored debt structures, and complex lender negotiations.
