Case Studies

A selection of transactions led by our team across current broking portfolios and prior banking roles.

Service Station Funding Reset SA

A $16M refinance across three South Australian service stations, including a new flagship site under construction. The major bank’s shift to an 8‑year P&I profile created unsustainable cash‑flow pressure. A non‑major lender provided a 5‑year interest‑only structure aligned to trading performance and supported by accountant‑prepared projections that the business ultimately exceeded.

• $16M total facilities across three sites

• 5‑year interest‑only structure replacing major bank’s 8‑year P&I

• Funding aligned to construction and ramp‑up period for new highway site

• Projections validated by stronger‑than‑budget actuals (30/6/26)

• Two additional sites being rebuilt with petroleum‑supplier support, increasing future valuations

Commercial Refinance and Acquisition Capacity WA

A $13M facility combining refinance, tenant‑driven upgrade funding and future acquisition capacity. The structure supported negotiations with a major corporate tenant and preserved flexibility through an undrawn cash‑out line with no line fee. Competitive tension between lenders secured favourable pricing.

• $8M refinance plus $2M for tenant‑related works

• Additional $3M undrawn cash‑out facility with no line fee

• Asset valued at $23.5M with strong corporate tenancy

• Incumbent non‑major matched major‑bank pricing to retain client

• Facility structured to support future acquisitions and lease negotiations

Refinance for Investor with Outstanding Tax Returns VIC

A $4.0M refinance for a property investor and business owner whose delayed tax returns restricted major‑bank appetite. A non‑bank lender provided a clean reset with a two‑year term and conservative gearing, stabilising the client’s position and removing pressure from mainstream credit settings.

• $4.0M facility at 55% LVR

• Two‑year term with simplified covenants

• Strong security position across Melbourne suburban assets

• Non‑bank solution to accommodate irregular ITR timing

• Improved liquidity and reduced administrative friction

National Franchise Refinance and Recovery VIC

A $28M full refinance for a national franchise group with more than 20 years of trading history. The restructure enabled repayment of ATO arrears and reset the group's repayment profile after a period of expansion. Emphasised strong historical performance and future upside to lender of association with this franchise.

• $28M total facilities across multiple entities

• Full refinance to clear ATO arrears and stabilise cash flow

• OpCo/PropCo solution provided covering the trading business and property investment portfolio

• Long‑standing franchise network with proven management depth

• Tight servicing accepted due to strong historical performance

SaaS business Management Buy Out VIC

Tech Offshoring Business with Unique Funding Requirement VIC

A $1.25M buy‑out facility enabling management to acquire co-founder's share of SaaS (software as a service) business. The structure balanced recurring income with a single covenant and generous 7 year term. Directors offered residential security voluntarily, strengthening lender confidence, however it was not required.

• $1.25M management buy‑out funding

• 7‑year P&I term with one covenant

• Facility aligned to stable recurring revenue

A $1.5M line of credit for an Australian‑based outsourcing firm expanding offshore operations. Despite month‑to‑month client contracts, we obtained support for the facility based on recurring revenue, industry reputation, and management character. Directors offered residential security but it was not required.

• $1.5M revolving facility for working capital

• Credit supported by recurring income and reputation

• Leveraged an Australian P&L to fund fit‑out of new offshore offices

Medtech Venture Debt Refinance VIC

A $1.2M refinance replacing high‑cost venture debt at 22% interest. The business demonstrated improved cash‑flow discipline and strong financial management under a new CFO. The facility reset the capital structure and reduced interest burden.

• Telehealth business selling medicinal cannabis

• Interest rate reduced from 22% p.a. (venture debt) to senior debt interest rate

• Backed by proven management and CFO oversight