Melbourne, VIC
Commercial finance in Melbourne.
Melbourne engagements run remotely end to end: video scoping, secure upload, and a debrief call. The fees and the lender panel are the same as everywhere else.
What we see in the Melbourne market
Melbourne throws up more industrial and light manufacturing deals than any other market we work in, and they bring a specific problem: plant and equipment that is central to the business and worth far less to a lender than it is to you. A machine that earns its keep every day may be advanced against at a fraction of what it cost. Deals structured on the assumption that the equipment carries the facility tend to come back short.
The second pattern here is the owner-occupier moving out of a lease into their own premises, usually in the north or west. That is two credit conversations at once, the property and the trading business, and lenders differ enormously on whether they want to see them together or apart. Getting that decision right before anything is lodged is most of the work.
Melbourne also has a deep franchise market, and franchise finance is its own discipline: the franchisor's numbers, the network's average performance and your particular site are three different stories, and a lender will want all three reconciled.
How engagements run for Melbourne clients
Fully remote, with video scoping and secure document upload. Where a deal involves both premises and the business, we model the two together and tell you which lenders will look at it that way.
The full process, what we arrange and how we are paid are on the commercial finance page.
Who sends us work
Other professionals put their clients in front of us.
Which is a harder test than winning a client directly. An adviser referring you is lending you their relationship, and they only do it twice if the first one went well.
Accountants
Because we never touch compliance, and never ask them to sign a serviceability letter.
Finance brokers
For commercial deals they keep, with the file built underneath and the lodgement theirs.
Business brokers
Because a buyer with tested numbers is a buyer who settles.
Buyers agents
They find and negotiate the deal; we test the earnings the price is built on.
Melbourne questions
No, and lenders have not worked in person for years either. What matters is who reads your file and how it is put together, not which side of the Murray it was assembled on.
Rarely at what you paid. A lender lends against a recovery basis rather than a replacement basis, and the gap between market value, orderly liquidation and forced sale is often the difference between a deal working and not. We put the numbers on the table before you build a structure around them.
It depends on the security, the earnings and the appetite of the day, and both are common. What we will not do is guess: the two structures are modelled and you see what each costs and what each requires before we go anywhere.
Buying a business in Melbourne?
Then the question before the finance is whether the earnings are real. We test them first, because a credit team will rebuild them whatever you do, and the figures that come out of that go straight into the submission.
Due diligence in MelbourneWant a straight read on your deal?
Book a free call with Nick. Bring the numbers you have, and we will tell you the right service level and the fixed fee. No obligation.