Private Lender for Manufacturing Businesses

It can, where the loan fits inside 70% of the factory property's value. We lend against the property, never against the plant or machinery inside it. Decisions are made in hours, settlement can follow within 24 hours of signing the letter of offer, and our loan repays the bank at settlement. Send us the bank's letter and a written payout figure on the day you receive them, so the valuation can be booked at once. Your accountant should look at the company's position after losing the customer, and the plan for repaying us, such as a sale or a bank refinance once new contracts are signed, needs a date.

• →Refinancing a lender that has issued a default notice or appointed a receiver

Yes. The loan is secured by the factory property, never by the supply contract or the purchase orders. If the factory is worth $2,500,000 with $900,000 owing, the 70% limit leaves room for up to $850,000. The exit is the supermarket paying the first invoices, so send us the payment terms and the delivery schedule.

Yes. This is bridging finance secured by the factory property, never by the press line. The equipment financier's payment after commissioning is the exit. Set the term to run past the commissioning date with some margin for shipping and installation delays, and send us the financier's approval so we can see the conditions it pays on.

• →Bridging finance for manufacturing equipment

It can cover the first months of it. A loan of 1 to 24 months, secured by the factory or another property, funds the gap while the new payment cycle shows in your accounts. Because the 90 day terms are permanent, the exit should be a refinance to a longer-term facility, so start that conversation at the same time as ours.

• →Working capital loans

Yes. Five months sits inside our term of 1 to 24 months, and the December payments for the orders are the exit. The security is the factory property, not the ingredients or the finished stock. Each loan is assessed on its own, so bring this year's confirmed orders and last year's payment dates.

Yes. The treatment system is what the money buys, and the factory property is the security. We decide in hours, which leaves the time for the installer rather than the lender. The exit can be a refinance to a bank or onto equipment finance once the system is installed, or a property sale.

Yes. The loan is secured by the factory property, never by the steel or the containers. The loan funds are paid to the business, which pays the duty and the supplier. Settlement within 24 hours is achievable on a clean file, so send the factory's title details and current mortgage balance first. The exit is the payment for the goods made from that steel, or a refinance.

Yes. If the factory is worth $4,000,000 and the bank is owed $2,200,000, the 70% limit is $2,800,000, so the bank can be repaid in full. Our assessment looks at the property and the exit rather than the covenant test. The exit is usually a refinance to a longer-term lender once a better year is in the accounts.

• →Refinance business loans

Yes. Our factory property is the security, never the customer list, the moulds or the goodwill. If the factory is worth $3,200,000 with $800,000 owing, the 70% limit leaves room for up to $1,440,000. The exit is usually a refinance once the combined business has trading history, or the sale of a property.

• →Business acquisition loans

Yes. The grant payment is the exit, and the factory property is the security. The grant itself is never the security. Send us the grant agreement, because the payment conditions and dates in it set the term of the loan.

Yes. We can still lend after a garnishee notice has been issued. The loan funds are paid to the company, which pays the ATO in full, and the security is the factory property. Ask the ATO to confirm in writing that the garnishee notice to your customer is withdrawn once the debt is paid, and give that confirmation to the customer.

• →Tax debt loans

Yes. Factories, warehouses, workshops and industrial units are all security types we assess, alongside commercial and residential property. Our valuation team is in-house, so industrial and non-standard premises are assessed directly rather than run through a desktop model that cannot price them properly.

No. Our security is property. We take a first or second mortgage over the factory, the industrial premises, or another property held by the company, the trust or the director. Where the purpose of the loan is to buy plant, we release the capital against the property and the plant is funded from those proceeds, which is a different thing to lending against the equipment itself.

Yes, provided there is property security available elsewhere. In that situation the security is typically the home or an investment property held by a director, or another property inside the group. This is the standard pattern in private lending and it is not unusual.

We lend from $250,000 to $10,000,000, up to 70% LVR against the property security. 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.

It needs to be specific and achievable inside the loan term. In manufacturing the strongest exits are the receivables from a completed order, a contract payment, a refinance to a longer-term lender or onto equipment finance, or a property sale. A general intention to refinance at some point is not an exit strategy.

Yes. ATO debt is one of the most common reasons manufacturers come to us. We clear the position in a single payment secured against the property, which stops the penalty interest compounding, and the facility is repaid from trading income or a refinance. We can act where a payment plan has already been broken.

Usually not. A second mortgage sits behind the existing first, so a fixed rate does not need to be broken and the first facility stays in place. We review the first mortgage terms before proceeding to confirm no consent or notification obligation is triggered.

Yes, and it is one of the most common reasons manufacturers call. A reported tax debt closes bank and trade credit at the same time, which is what makes it urgent. We fund against the property the business owns, clear the ATO position, and assess the equity inside 70% LVR. What we need from you is a credible plan for repaying us.

Yes. We have separate pages for buying an industrial property, clearing an ATO debt and funding a cash flow gap.

• →short term urgent loans