Funded
Recent successes for our valued clients
Mack Prime Mover — Equipment Loan Funding of $470,000
We secured a $470,000 equipment loan to support the purchase of a new Mack Prime Mover for a client servicing a long-term cartage contract.
The facility was structured over a 60-month term with no balloon payment, ensuring full ownership of the asset at the end of the loan.
To support future growth, the client plans to release equity from their existing truck to fund their next upgrade—allowing them to expand their fleet while maintaining strong cash flow.
Outcome:
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$470,000 equipment finance approved
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No balloon – full ownership at term end
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Supports long-term contract stability
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Strategy in place for future fleet expansion
Divorce Buyout – $950,000 Residential Loan
Following a separation, our client needed to refinance the family home and pay out his former spouse to retain ownership of the property.
Despite strong income, his borrowing capacity was significantly impacted by high private school fees and private health costs, creating a shortfall with mainstream lenders.
We structured a solution through a lender, where a more flexible approach to living expenses was applied. Private health costs were assessed within standard household expenditure benchmarks rather than as an additional liability, improving overall serviceability.
In addition, although the client shares care of his two children equally, the lender was able to assess the application using one dependent instead of two — further strengthening borrowing capacity.
Outcome:
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$950,000 loan approved
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Client successfully retained the family home
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Tailored lending solution to meet complex personal circumstances
Farm Acquisition – $16 Million Rural Expansion
A long-established farming client identified a strategic opportunity to acquire an adjoining rural property, preventing acquisition by a neighbouring operation and consolidating their existing landholding into a more efficient and productive farming enterprise.
To facilitate the purchase, we secured an additional $16 million in farm finance through a term debt facility. While the client's strong trading performance over the previous five years demonstrated the ongoing success of the operation, a key component of the approval process was the preparation and refinement of forward-looking financial forecasts.
Working closely with the client, updated operating budgets were developed for the next three years, including a detailed Year-In-Year-Out (YIYO) budget, demonstrating the business's capacity to service both existing debt commitments and the proposed facility.
The strategic acquisition strengthened the long-term viability of the farming enterprise while protecting the client from increased competition within their operating area.
Outcome:
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$16 million farm finance approved
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Strategic acquisition of adjoining rural property
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Protected existing landholding from competitor expansion
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Comprehensive budgeting and forecasting supported approval
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Positioned the business for long-term growth and operational efficiency
Bridging Finance Secures Property Purchase
A client needed fast funding to complete the purchase of a new property while awaiting the sale of an existing rural property.
With only three weeks available to arrange finance, there was insufficient time for the client's existing lender to assess and approve the additional funding. Without a solution, the client risked delaying the purchase and potentially losing their deposit.
We sourced an alternative bridging finance facility that provided the short-term funding required to complete the acquisition on time. Working closely with the lender, we were able to navigate the tight timeframe and secure approval before settlement deadlines became an issue.
The bridging facility removed the pressure of having to sell the existing property immediately, allowing the client to focus on achieving the best sale outcome rather than accepting a rushed offer.
Outcome:
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Bridging finance secured within a tight timeframe
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New property purchase completed on schedule
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Deposit protected and purchase risk eliminated
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Removed pressure to sell existing property quickly
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Flexible short-term funding solution achieved
Kenworth Prime Mover — Equipment Loan Funding of $450,000
A client required funding to purchase a new prime mover to service an ongoing cartage contract and expand their transport operations.
We secured a $450,000 asset finance facility for a Kenworth Prime Mover, structured over a 60-month term with a 35% balloon. This provided flexibility at the end of the term, allowing the client to either refinance the residual or trade in the vehicle to upgrade their fleet.
The transaction was supported by a dealer-supplied invoice confirming the asset purchase, enabling a smooth and efficient approval process.
Outcome:
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$450,000 asset finance approved
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Flexible structure with 35% balloon
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Supports ongoing contract and business growth
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Clear pathway for future upgrade or refinance
Guarantor Purchase – Young Family $620,000 Residential Loan
A young couple with a newborn wanted to buy in their local area but didn’t have enough for the required deposit. Having previously owned land, they were ineligible for first home buyer incentives.
To assist, the applicant’s mother acted as guarantor using equity in her existing home. We structured the loan with her currrent lender, avoiding the need to refinance her property and keeping costs down.
The loan was split into an 80% primary loan and a smaller guarantor portion, allowing the clients to focus on paying down the guaranteed amount first and work towards releasing the guarantee sooner. A competitive rate was secured to support faster repayments.
The guarantor obtained independent legal advice before proceeding.
Outcome:
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Purchased in their preferred area
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No refinance required for guarantor
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Clear pathway to remove guarantee
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Competitive rate for faster repayment
Residential Refinance + Business Restructure
A client approached us looking to refinance his existing home loan due to a rising interest rate, while also restructuring his broader financial position across both personal and business lending.
We transitioned his residential loan to the lender, where his business banking was already established with family. As part of the refinance, we structured an equity release to provide additional funds for future investment purposes in line with advice from his accountant.
In addition, the client required funding to buy out his brother from their jointly operated business premises. This was structured as a $450,000 business loan, alongside a $50,000 overdraft and a $50,000 bank guarantee each supported by his residential property.
This solution consolidated his lending under one bank while aligning both personal and business objectives into a single, strategic structure.
Outcome:
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Refinance to more suitable lending structure
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Equity release for future investment opportunities
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$450,000 business loan to facilitate partner buyout
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Additional $100,000 in working capital facilities
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Streamlined banking across personal and business
SMSF Funding Solution Acquires Regional Asset
A client was referred to us by their accountant to explore whether a specialised business and property acquisition could be structured successfully.
The transaction required a dual-finance strategy. The client's trading company would acquire the operating business, while a newly established Self-Managed Super Fund (SMSF) would purchase the underlying land asset.
While the client's existing lender was comfortable funding the business acquisition, sourcing finance for the SMSF purchase proved more challenging due to the regional location and specialised nature of the asset. We undertook an extensive lender search to identify a suitable SMSF funding solution that met both the client's objectives and lender requirements.
By successfully securing funding for both the business and property components, the client was able to complete the acquisition through the intended structure, positioning them for ongoing business growth while building wealth within their superannuation environment.
Outcome:
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Business acquisition successfully funded
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SMSF finance secured for regional property asset
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Complex dual-structure lending achieved
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Accountant's strategy successfully implemented
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Long-term wealth creation and retirement planning supported
Excavator Purchase — Equipment Loan for Used 2022 Model
A client required funding to purchase a 2022 excavator to assist with property improvements, including clearing timber and gravel across their land.
We secured an equipment finance facility structured over a 60-month term with no balloon payment, ensuring full ownership of the asset at the end of the loan. The transaction was supported by a dealer-issued tax invoice confirming the purchase details.
The funding allowed the client to complete essential works on the property while preserving cash flow and avoiding a significant upfront capital outlay.
Outcome:
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Finance approved for a 2022 excavator
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No balloon payment – full ownership at term end
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Supported ongoing property improvements
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Preserved working capital and cash flow