01 Structure first
We assess the deal, the entity and trust structures, and the exit before approaching any lender — the structure determines the outcome.
What it is
Adviser, not placement broker.
A debt adviser is mandated as the client's adviser. The job is to structure the facility around your interest — the entity structure, the capital stack, the exit — and then take it to the lenders best suited to it. A mortgage broker, by contrast, primarily places a borrower with a panel lender and is usually paid a commission by that lender.
You use a debt adviser when the structure matters as much as the rate: complex commercial or development finance, multi-entity or trust structures, deals beyond standard bank appetite, or a capital stack spanning senior and mezzanine debt.
Black Mountain Financial is an independent debt advisory practice specialising in complex commercial and development finance in the ACT and regional NSW. It is owner-operated and mandated as the client's adviser, not owned by a lender.
What we do
How debt advisory works.
The same senior structures and runs the deal from first call to settlement — designed around your interest, not a lender panel.
02 Capital stack design
Where senior debt alone falls short, we structure across senior, stretch and mezzanine to make the deal work.
03 To the right lenders
A credit-ready submission to the lenders best suited to the deal — not a panel blast or a commission-led placement.
04 Through to settlement
The principal who structures the facility runs it to drawdown. No junior handoff.
When to use one
When a debt adviser earns its mandate.
Debt advisory is for deals where the structure carries as much weight as the rate. Typical triggers:
01
Complex commercial or development finance, rather than a standard residential loan
02
Multi-entity or trust structures that a panel-lender placement does not accommodate
03
Deals beyond standard bank appetite or above an informal exposure cap
04
A capital stack across senior and mezzanine debt that needs designing, not just placing
05
A need for an adviser mandated to your interest, rather than a lender-paid intermediary
06
Local ACT and regional NSW lender, valuer and council relationships that shape the structure
Why clients mandate us.
01 Independent and owner-operated
We are not owned by a lender or an aggregator, and we are mandated as your adviser — your interest sets the structure.
02 Senior-led, every file
The principal who structures the deal runs it through to settlement. No junior handoff.
03 Structure over rate
How a facility is structured determines the outcome. We design the capital stack around the deal, not a panel.
Common questions