Private Lender for Hospitality Businesses

It can, where the loan fits inside 70% of the pub's value. We lend against the freehold property, valued on a going-concern basis as a trading hotel, and our loan repays the bank at settlement. Once the bank is repaid in full, it has no loan left to appoint receivers for. Ask the bank for a written payout figure, including the arrears and default interest, and send it to us with your plan for repaying us, such as a bank refinance after the summer trade or a sale of the hotel. Call us in the first week of the 30 days, so the valuation can be booked straight away.

• →Urgent loans when a receiver or administrator is involved

Yes. A strata industrial unit is commercial property we lend against, and the fit-out is what the money buys, not the security. If the unit is worth $1,100,000 with nothing owing, the 70% limit allows up to $770,000. The exit is usually a refinance to a bank or the sale of a property, so tell us which one you have in mind when you call.

Yes, where the total you need is at least $250,000, our minimum. The business is the borrower, your home secures the loan, and the loan funds are paid to the business, which pays the ATO. If the BAS alone is below $250,000, an older ATO balance or other costs due over winter can be included in the same loan. Bring your summer takings from the last two years, because summer trade is the exit.

• →Tax debt loans

Yes. The security is the freehold hotel property, valued on a going-concern basis where that is the right measure, and our valuation team is in-house, so there is no six week wait for an outside valuer. The exit is usually a refinance back to a bank once the bank's valuation is done, so keep that application moving while our loan funds the works.

Yes. If the motel is valued at $3,000,000 on a going-concern basis and you owe the bank $1,700,000, the 70% limit is $2,100,000, so the bank can be repaid in full. The security is the freehold property, not the business. The exit is the refinance to a long-term lender or a sale. Start the long-term application now and choose a term that gives it time to complete.

• →Refinance business loans

Yes. The company is the borrower, and a second property can be added as security. If the house is worth $1,600,000 with $700,000 owing and the unit $650,000 with $250,000 owing, 70% of the combined $2,250,000 is $1,575,000, which leaves about $625,000 above the existing debts. The security is the two properties, never the goodwill of the restaurants. Have your solicitor confirm the buyout terms in the partnership or shareholder agreement.

• →Business partner buyout loans

We need to learn your scenario further. The loan can be secured by your home, but the exit has to be defined, and an insurance claim that is still being assessed has no confirmed amount or date. Ask the insurer for written confirmation of what it has accepted and when it will pay. If that is not available yet, a refinance or a property sale can be the exit instead.

No. We assess the property offered as security, the equity inside the 70% limit, and the exit. The loan funds are paid to the business, which pays its staff what is owed. What we need is the property details and a defined exit, such as a refinance or a sale, not a clean history.

Yes. Your home secures the loan, never the lease or the goodwill of the cafe. If the home is worth $1,200,000 with $300,000 owing, the 70% limit is $840,000, which leaves room for up to $540,000. The business buying the cafe is the borrower, and the usual exit is a refinance once the new venue has trading history under your name.

• →Business acquisition loans

We need to learn your scenario further. We take a first or second mortgage, so we would not lend behind both the bank and the brewery. One route is a first mortgage that repays the bank and the brewery loan together, provided the total sits inside 70% of the hotel's value. Ask your solicitor what the supply agreement says about repaying the brewery loan early before you call us.

Yes. The company is the borrower, the investment property secures the loan, and the refit is what the money buys. It makes no difference to us that the fit-out stays with the landlord's building. The exit is a refinance or the sale of a property, so pick a term that matches the refit and the time a refinance will take.

• →Private lender for restaurant finance

Yes. Freehold pubs, hotels, motels and licensed venues are security types we assess directly. Our valuation team is in-house, so a going-concern venue is assessed properly rather than run through a desktop model that cannot price it.

Yes, and this is the standard pattern for restaurants, cafes and bars. Where there is no freehold, security comes from the director's home or an investment property. The business does not need to own real estate for the deal to work, the director does.

No. Takings that arrive around holidays, events and the summer run are the normal shape of hospitality income, not a warning sign. We assess the security value and the exit strategy. If the equity is in the property and the repayment plan is credible, a quiet quarter is a timing question rather than a credit question.

We lend from $250,000, up to 70% LVR against the property security, and we assess larger loans on the full scenario. Loan terms run from 1 to 24 months, with most borrowers using the facility for 3 to 6 months while the exit completes.

We make a decision in hours rather than days, and settlement within 24 hours is achievable on a clean file with clear title and a defined exit. We lend our own funds and hold our own credit authority, which is the practical reason the timeline looks the way it does.

Yes. ATO debt is one of the most common reasons hospitality operators come to us, and a large share of it traces back to the COVID years. We clear the position in a single payment secured against property, which stops the penalty interest compounding, and the facility is repaid from trade or a refinance. We can act where a payment plan has already been broken.

It needs to be specific and achievable inside the loan term. In hospitality the strongest exits are a refinance to a longer-term lender once trading history is established, the sale of a venue or a property, the proceeds of a settlement that has been delayed, or trade through a peak run where the numbers support it. A general intention to refinance at some point is not an exit strategy.

Yes. We lend to Pty Ltd companies, discretionary and unit trusts, partnerships and SMSFs. This is business purpose lending only. We do not lend to individuals borrowing in their personal name for personal, domestic or household purposes.

No. A hospitality profit and loss compresses good years and bad ones into a single line, and lenders who read only that line miss what the property is actually worth. We assess the property, the equity inside 70% LVR and the exit. A weak trading record and a credit file with defaults on it are both things we work around.

Yes. Each has its own page explaining the going-concern valuation, the licence timing and what to send us.

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