Case Studies

Finance Type

Private company and individual.

Client

Commercial property purchase in central Sydney.

Industry

National retail franchisor.

Problem

Existing bank was unable to provide competitive finance to purchase a central Sydney office.

Solution

Finance Company Australia (FCA) structured a finance proposal incorporating the purchased property and an element of the client’s personal equity. The Loan to Value Ratio negotiated was higher than normal against the commercial property, which met our client’s objectives and was cost effective.

FCA were able to source a blended funding facility to enable our client to meet settlement on the commercial property in a timely manner.

Company Finance Outcome

Loan: $4.4 million  |  LVR: 80%  |  Lender: first tier  |  Security: registered mortgage over the purchased commercial property

Owner’s Finance Outcome

Loan: $2.8 million  |  LVR: 30%  |  Lender: second tier  |  Security: residential property

Finance Type

Business restructure.

Client

Private company, NSW.

Industry

Real Estate.

Problem

Existing lender was unable to meet client’s short-term working capital needs.

Solution

Finance Company Australia developed a finance restructure, sourced a lender who was prepared to provide finance at an increased LVR, and achieved refinance of the existing business and client’s personal borrowing facilities.

Loan: $2.463 million  |  LVR: 80%  |  Lender: first tier  |  Security: real estate rent roll and personal owner occupier and investment properties

Finance Type

Established commercial property investment.

Client

Private company, NSW.

Industry

Property investment.

Problem

Due to the reduced market value of securities, existing Big 4 lender requested a reduction and payment of borrowing facilities.

Solution

Our experienced team were able to negotiate with another Big 4 lender to refinance and restructure the client’s total facilities.

Loan: $6 million  |  LVR: 58%  |  Lender: one of the Big 4  |  Security: various commercial properties

Finance Type

Residential development funding.

Client

Individual.

Industry

Retiree.

Problem

Retired professional with no superannuation planned to develop their current residence to sell in the higher end of the real estate market. Commonly accessed lenders would not entertain the deal because of the retiree’s income.

Solution

Finance Company Australia negotiated a loan to enable the retiree to complete the project on a capitalised interest basis. Without the burden of having to meet interest payments during the renovation, our client was able to achieve their retirement and superannuation expectations.

Loan: $1.135 million  |  LVR: 60%  |  Lender: private mortgage  |  Security: residential property

Finance Type

Business restructure.

Client

Private company.

Industry

Investment and exploration.

Problem

Existing Big 4 lender was pressuring the company to clear their facilities which raised concern of properties being sold by the bank without consent of the client.

Solution

Finance Company Australia’s experience restructuring complex transactions enabled our client to achieve their goals. We negotiated an extension of time with the original Big 4 lender and refinanced the full amount on terms acceptable to the client and new lender.

Loan $6.4 million  |  LVR 59%  |  Lender private mortgage  |  Security: registered mortgages over residential properties

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