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Commercial property finance
Purchase, refinance and construction loans for offices, warehouses, retail and freehold premises. We model the deal, package it for the right lenders, and negotiate rate, LVR and covenants.
Commercial property, home and investment loans, equipment and development finance. Access to a broad lender panel. We rebate the lender's commission and agree a transparent fee with you up front. The first conversation is always free.
A lot of Australian SMBs and their owners sit in an awkward band: too complex for a branch lender's template, too small for an institutional debt desk, and tired of a broker who only knows one product. That's our zone.
Our Finance practice arranges five shapes of credit: commercial property finance (purchase, refinance, construction), residential and investment mortgages (including the self-employed and business-owner income that branch lenders struggle with), asset and equipment finance, development and construction facilities, and the refinancing of existing debt. We run the application end-to-end, from lender selection to settlement.
We arrange credit as an authorised credit representative under an Australian Credit Licence, with a best-interests duty on consumer lending. We work hand-in-glove with the Accounting practice next door, and rebate the lender's commission to you rather than keeping it.
Most engagements run two or three of these in parallel. The unified retainer is where it gets interesting because the Accounting and Property practices are in the same room.
Purchase, refinance and construction loans for offices, warehouses, retail and freehold premises. We model the deal, package it for the right lenders, and negotiate rate, LVR and covenants.
Owner-occupier and investor home loans, including the self-employed and business-owner income that branch lenders mishandle. Best-interests duty applies; we recommend in writing.
Vehicles, plant and machinery via chattel mortgage, lease or hire purchase. Structured around cash flow and the tax position, in step with the Accounting practice.
Progress-draw facilities for small-format SME developers. Feasibility, lender selection, and management of drawdowns against the build program.
Reprice, consolidate or restructure existing facilities. We benchmark your current book against the whole market and only move you if the numbers clear the switching cost.
A Valeron finance partner will be on the call. Forty-five minutes. One-page proposal by Friday if it's a fit.