Scenario overview

This scenario involved a private lending solution secured against a metro Melbourne investment property where timing, flexibility and certainty were more important than traditional bank turnaround times.

  • $3.1M equity release required
  • Metro Melbourne investment property
  • Working capital and ATO debt repayment
  • Private lending structure settled quickly

A Melbourne-based client required fast access to capital to support business growth opportunities and improve short-term cash flow flexibility. The funding was also intended to assist with repayment of existing ATO debt and provide additional working capital for operational requirements.

Traditional lending pathways were explored initially, however extended assessment processes and slower turnaround times created concerns around timing certainty and the ability to move quickly enough for the broader business requirements.

The lending scenario

The application involved a metro Melbourne investment property used as security for a private lending solution. The client required a commercially practical structure that could be assessed and settled within a significantly shorter timeframe than traditional lending channels were offering.

Important considerations included:

  • Timing sensitivity around access to funds
  • Existing ATO debt requiring repayment
  • Business growth opportunities needing working capital
  • The suitability and equity position of the security property
  • The need for faster valuation and settlement processes

The outcome

A private lending structure was arranged with a 12-month term secured against the Melbourne investment property.

  • $3.1M lending facility
  • 70% loan-to-value ratio
  • Fast-tracked valuation process
  • Settlement completed shortly after valuation

This type of scenario highlights how private and specialist lending structures can sometimes provide a practical alternative where timing, complexity or commercial considerations create challenges for traditional lenders.

Important note

These scenarios are based on real-world commercial lending situations. Names and some identifying details may be adjusted for privacy purposes. Every lending scenario is different and outcomes depend on the overall commercial situation, security position and lender assessment.