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Straight views on development finance, commercial property, and the Canberra market. No fluff.
Commercial Property Through an SMSF
There is more than one way to hold a commercial property with an SMSF involved, and the wrong structure is expensive to unwind. The eight routes, how each is funded, and the constraint on each.
Read article →How Debt Structure Can Accelerate (or Kill) a Business Acquisition
Most acquirers focus on the purchase price. But debt structure — facility sizing, tenor, vendor finance, covenants and security — is what determines whether an acquisition succeeds after settlement. Here is what to get right before you sign.
The True Cost of Unsecured Business Lending in Australia
Unsecured business loans look fast and simple — no collateral, minimal paperwork, funds in days. But the rates, factor rates and daily repayments carry a cost that is rarely communicated clearly upfront. Here is what to know before signing.
How Lenders Assess Your Home Loan Application — And How to Get Approved
Australian lenders apply strict criteria when assessing home loan applications — from income verification and credit history to serviceability buffers and living expenses. This article breaks down exactly what lenders look for, what limits your borrowing capacity, and the practical steps you can take to strengthen your application and get approved.
Why Small Business Owners Shouldn't Go to Their Bank First for Finance
Banks lend to businesses that fit their credit policy. Yours might not. We work with 100+ lenders to find the structure that fits your deal — not the other way around.
How to Write a Business Plan for a Business Loan in Australia (2026)
An Australian lender funds one thing — repayment capacity. Here's what to put in a business plan for a business loan, in the order lenders read it.
How Many Presales Do You Need for Development Finance?
Presale requirements vary more than most developers expect. Here's what lenders actually look at — and why chasing presales at the wrong time can hurt your project more than help it.
Development Finance Rates Australia 2026
What do development finance rates look like in 2026? We break down senior debt, mezzanine, and private credit pricing — and show you what actually moves the number.
2026-27 Federal Budget: Strategic Implications for Debt and Development
What are the strategic implications of the 2026-27 Federal Budget for property developers and business owners?
Development Finance Feasibility Explained
A development finance feasibility is not a spreadsheet that shows your project works — it's a document that proves to a lender's credit team that the numbers hold under pressure. Here's what they actually check.
Bridging Finance Canberra
Bridging finance fills the gap between a property purchase and an exit event — typically a sale or refinance. In Canberra and the ACT, the leasehold title structure adds complexity that most lenders approach cautiously. Here's how it actually works.
Private Credit vs Bank Lending for Property Development
The choice between bank lending and private credit for your development comes down to which structure actually works for your feasibility. Here's how each operates, what they cost, and when each makes sense.
How to Get Development Finance in Australia
Most development finance applications fail not because the project is unviable, but because the application doesn't meet lender criteria. Here's what actually gets deals approved in Australia.
Mezzanine Finance for Property Development
Mezzanine finance is expensive — the question is whether your project's returns justify it. This guide covers capital stack mechanics, real pricing, lender requirements and when the structure genuinely works.
Residual Stock Finance Explained
When a construction loan expires against unsold stock, the pressure to sell at distressed pricing destroys margin. Residual stock finance replaces the expiring facility with a term loan — typically at 50–65% GRV — giving developers the runway for an orderly sales campaign.
7 Commercial Property Finance Mistakes in High-Rate Markets
How can sophisticated investors navigate commercial property finance mistakes in a high-rate environment?
Cashflow Lending in Australia: The Business Owner's Guide
Discover how cashflow lending helps Australian businesses bridge payment gaps and fund growth. Expert guide to working capital finance solutions.
The May Decision: Inflation Impulses and the Resilience Gap
How does the RBA May 2026 rate hike to 4.35% impact commercial debt strategy?
Beyond the Pump: Why 'Sticky' Inflation is Redrawing the Commercial Landscape
Yesterday's move to 4.35% wasn't just about petrol. The real story is in the numbers most people aren't looking at.
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