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Finance

A mid-size manufacturing business had accumulated multiple lending facilities over the years - term loans, overdrafts, and asset finance across both business and directors' personal lending. The structure had become dangerously tangled: directors were providing cross-guarantees on each other's loans (including their owner-occupied homes), asset finance was structured incorrectly with no residuals and punishing short terms, and rates were significantly above current market. Annual repayments had ballooned to $4M, strangling cash flow and limiting growth opportunities. Worse, the directors' personal assets were unnecessarily exposed.

We conducted a forensic review of every facility, guarantee, and security position across the entire business and director group. Our analysis revealed multiple inefficiencies and unnecessary risks that could be addressed without requiring additional security. We negotiated with multiple lenders to completely restructure the lending arrangements: untangled the complex cross-guarantee structure, removed most personal guarantees (particularly the owner-occupied properties that should never have been required), restructured asset finance with appropriate residual values and extended terms, and secured market-competitive interest rates across all facilities. The entire restructure was completed with minimal disruption to daily operations.

Delivered a dramatic financial transformation: slashed annual debt repayments from $4M to $2M (50% reduction), freed up $2M in cash flow for reinvestment and growth, eliminated unnecessary personal guarantees protecting directors' family homes, restructured asset finance saving an additional $180K over the loan terms, and secured below-market interest rates across all facilities. The directors can now sleep at night knowing their personal assets are protected, and the business has the financial flexibility to pursue new opportunities. The improved cash flow enabled the business to win larger contracts and invest in new equipment within the first year.

A family-owned logistics company identified a competitor business for sale valued at $3.5M. They had $800K in equity but needed creative financing as the business had minimal hard assets and the value was primarily in customer contracts and goodwill.

We structured a multi-layered financing solution combining senior debt, vendor finance, and working capital facilities. Our approach included: $2M senior debt secured against the business assets and customer receivables, $500K vendor finance with the seller retaining a stake, and a $700K working capital facility to support integration and growth.

Successfully completed the acquisition with the client contributing $300K equity (instead of $800K) and retaining $500K for integration costs. The business has grown revenue by 45% in the first year post-acquisition, and the combined entity now operates at significantly improved margins.

A property developer secured a prime inner-city site for a 24-unit residential development but faced a tight 6-week settlement deadline. Their existing banking relationship could only offer 65% LVR, requiring $2.8M additional equity they didn't have readily available.

We secured 80% LVR development finance through a specialist construction lender, combined with a mezzanine facility for the equity gap. The structure included: $6.4M senior construction debt at 80% of project costs, $1.2M mezzanine finance at commercial rates, and a pre-sale facility to reduce interest costs as units sold off-plan.

Settlement completed within the deadline with minimal equity injection. Pre-sold 15 of 24 units during construction, triggering early debt reduction. Project completed on time and 8% under budget, delivering a 32% return on equity invested. The developer has since secured two additional projects through the same financing structure.

A growing transport company needed to expand their fleet with 8 new prime movers ($1.6M total) but their traditional lender would only approve 4 vehicles due to concentration risk concerns. Delaying the expansion would result in lost contracts worth $900K annually.

We arranged a structured equipment finance solution across two lenders: Primary lender funded 5 vehicles with a strong servicing assessment, and a specialist transport finance provider funded the remaining 3 vehicles with higher residual values. Both facilities were structured with seasonal payment flexibility to match the client's cash flow cycles.

Full fleet expansion completed in time to secure all new contracts. The dual-lender approach provided better rates than a single-lender solution would have. After 18 months of strong performance, we consolidated both facilities with a major bank at significantly improved terms, saving an additional $15,000 per annum.

A wholesale distributor experienced rapid growth (180% YoY) but was consistently hitting their $400K overdraft limit, causing cash flow stress and limiting their ability to take advantage of bulk-buying opportunities. Their bank declined an increase due to deteriorating security coverage.

We restructured their working capital facilities by introducing a debtor finance facility secured against their receivables ledger. The solution included: $850K debtor finance facility at 80% of eligible receivables, restructured $200K overdraft for operational expenses, and negotiated a $150K trade finance facility for international suppliers.

Working capital availability increased from $400K to $1.2M without requiring additional property security. The client secured volume discounts worth $95K annually through bulk purchasing. Cash flow stress eliminated, and the business continued growing at 90% in the following year. The facility scales automatically with business growth.