Build wealth outside the business
Your business makes the money. What is the money making?
You run a profitable business and the cash is building up doing nothing. This page is for strong-profit owners who want to turn that lazy cash into commercial property owned outside the trading business, so the rent builds equity for you instead of a landlord.
The thesis
Trade better, borrow better, own the asset
A strong business is the raw material. Presented properly, it becomes borrowing capacity, and borrowing capacity buys an asset that sits outside the business and builds wealth on its own. Whether Nick and his team refer the finance to The Lending Lab, or your own bank funds the file we build, the play is the same: the wealth builds on the outside while the business keeps trading.
Trade better
It starts inside the business. Clean numbers, a real read on your earnings, and a trading story a credit team can follow. The wealth play only works when the business underneath it is presented properly.
Borrow better
A file built the way lenders read them turns a strong business into borrowing capacity. Nick and his team prepare the application; if you want the finance arranged too, that is a referral to The Lending Lab across 40+ lenders. If you would rather use your own bank, we build the file and work with them.
Own the asset
The capacity buys commercial property held outside the trading business, so the rent that used to go to a landlord builds equity for you instead. The business keeps trading; the wealth builds on the outside.
The proof
Five owners, wealth built outside the business
Two doors, one mission. Two of these deals were financed and structured through a referral to The Lending Lab; three were consulting engagements funded by the client's own bank on documents Nick and his team built. Every forward-looking figure is labelled projected.
Door 1
Financed and structured by Nick and his team
The finance was arranged as a referral to The Lending Lab and structured for the asset. Both of these deals had been to other brokers before they came to us, and had been knocked back.
Industrial property, metro Brisbane · 2024
Declined twice. Then $1.5m of equity in nine months.
A freestanding industrial property, bought run-down off private treaty and turned around. The deal had been knocked back before it reached us. Nine months later it carried over $1.5m of new equity, sitting outside the client's business.
- Revaluation (Mar 2025)
- $5.0m
- Equity uplift, 9 months
- $1.5m+
- Return on funds deployed
- 62%
Over $1.5m of equity uplift in nine months. Full client story
CBD retail, Brisbane · 2025
The bank said no. The asset shows a projected 55% IRR.
A freehold multi-tenant CBD retail centre, previously knocked back, structured so the client could buy a multi-million-dollar asset without touching the balance sheet of the business that funds their life.
- Projected reversion rent
- $513k pa
- Projected valuation
- $8.5m
- Projected IRR
- 55%
A projected 55% IRR, business balance sheet left intact. Full client story
Door 2
Consulted: finance documents by Nick and his team, funded by the client's own bank
The client kept their existing banking relationship. Nick and his team consulted on the transaction and built the finance documents; the client's own banker funded the deal. Over $35m of transactions done exactly this way.
Industrial and activity centre, metro Melbourne · 2025
A $20m deal, funded by the client's own bank.
A $20,000,000 industrial and activity centre, bought more than 50% under-rented. The client kept their existing banking relationship; Nick and his team consulted on the transaction and built the finance documents that funded it.
- Projected valuation
- $35m+
- Projected net profit
- $13.6m
- Projected 5-year ROI
- 181%
Funded by the client's own bank on a projected 181% five-year ROI. Full client story
Industrial portfolio, Brisbane · 2024
The file that unlocked a $9.28m portfolio.
A freehold industrial portfolio of three properties with one multinational tenant, bought well under market rent. Documents and transaction consulting by Nick and his team; funded by the client's own banker.
- Rent today / projected 2027
- $554k / $937k
- Cashflow today / projected 2027
- $162k / $545k pa
- Tenant vs market rent
- ~37% under
Funded by the client's own bank on a rental-reversion story a generalist file would have buried. Full client story
Industrial property, Melbourne · 2024
$1m of equity on day one.
A freehold industrial property bought off-market, valued a million dollars above the purchase price at settlement. A conservative structure the client's own bank was comfortable with, and the wealth-outside-the-business play in its purest form.
- Equity, day one
- $1.0m
- Projected rent, 2028
- $517k pa
- Projected IRR
- 32.2%
$1m of equity before the first rent cheque, on a projected 32.2% IRR. Full client story
Real matters, published with the clients’ consent. Identifying details are withheld and no third party is named. Figures are the clients’ own; every projection is labelled and is an estimate only. Past outcomes do not indicate future results, and any transaction depends on individual circumstances and lender criteria.
Where this fits
This is stage four of the owner's journey.
The business is trading well and the cash is building. The next move is not another hire or a bigger overdraft: it is an asset that works for you. Before any lender sees anything, the starting point is a straight read on what your position can carry. The Debt Capacity Assessment tests it, and the lender submission packs build the file the bank funds from.
Clients of The Lending Lab receive a large discount on all Andorra products. Our fees stay fixed and non-contingent, and you are free to use any broker: the discount is for being a Lending Lab client, not for arranging finance through us.
Two ways we help with the finance.
Referred to us for finance? You are in the right place either way. Either we arrange it, or we prepare the file for whoever does.
Want the finance arranged too?
We introduce you to The Lending Lab, the broking arm, which runs the deal end to end across 40+ lenders. Clients of The Lending Lab receive a large discount on all Andorra products.
Talk to The Lending LabAlready have a broker or bank?
Keep them. Nick and his team prepare the file to the standard a credit team expects, and work directly with whoever lodges it. Same models, same documents, same standards, full price.
See the finance documentsWant 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.