Private Lender for Retail Businesses

Yes, where the numbers fit. The company is the borrower and your house is the property that backs the loan, up to 70% of its value, and our loan repays the bank at settlement. Leased shopfronts are not an obstacle, because we do not lend against the stock or the fit-out. Ask the bank for a written payout figure to a date before the default notice expires, and talk to your accountant about the stores' cash flow after Christmas. We also refinance a lender after it has appointed a receiver, as we did in a $3.685 million loan, but starting now gives you the most choice.

• →$3.685 million loan: company rescued from a receiver

One loan can cover both. Size it for the deposit and the balance together, plus freight and duty, so the September payment does not depend on a second application. Set the term so it ends after the January sales rather than in December, and make the sell-through of that stock the exit. The loan is secured by property, such as a director's home or an investment property, never by the stock.

• →Inventory and stock finance

Yes. A second mortgage over your home can fund the fit-out while your home loan stays in place, and the business receives the funds and pays the shopfitter. The fit-out is what the money buys, not the security. Tell us how the loan will be repaid, for example from both stores' trading or a refinance once the new store has a few months of sales.

It can. We assess the property that secures the loan and how the loan will be repaid, not whether you have two years of figures. The usual exit is a refinance to a bank once both stores have the trading history it asks for. Ask your franchisor for the settlement date in writing, because that sets the timetable for us.

• →Urgent franchise purchase loans

It can, where last year's December figures show the season can repay $280,000 plus interest inside the term. The business receives the loan funds, pays the ATO in full, and repays us after the season. It helps to have a second exit ready, such as a refinance or a property sale, in case the season is slower than planned. The loan is secured by a director's home or another property, not by the stock or the takings.

• →Tax debt loans

Yes. A first mortgage over the shop can lend up to 70% of its value, $840,000 on $1,200,000, and the remaining $360,000 can come from your own funds or a second mortgage over a home or investment property, inside the same 70% limit. The usual exit is a refinance to the bank once its approval comes through. Our in-house team values the shop, so the timetable does not wait on an outside valuer.

• →Commercial property purchase loans

Yes. A lease surrender payment is a business purpose, and your investment property can secure a $300,000 loan where the equity is there inside 70%. The business receives the funds and pays the landlord. Plan the exit around the savings from the closed store and a refinance or sale, and have your solicitor review the surrender deed before you sign it.

A property with enough equity, and a dated plan to repay. If your home is worth $1.2 million with $400,000 owing, 70% of the value is $840,000, which leaves $440,000, enough for the stock buy. The usual exit is the sale of that stock over the season, with a refinance as the fallback. Not having a shopfront makes no difference to us.

Yes. We decide in hours and can settle within 24 hours once terms are agreed, so 10 days leaves room. The most common delay is the paperwork from the lender who holds your home loan, so ask for it the day you call us. The loan is secured by your home, never by the stock or the leases you are buying.

• →Business acquisition loans

It can, where a property secures the loan and there is a credible way to repay it. We decide in hours, which matters when a breach notice gives you a fixed number of days to pay. The business receives the funds and pays the landlord. Send us the notice with the enquiry, along with how the stores will trade from here or which of them you plan to sell or close.

It has to be property. We never take a liquor licence as security; the loan is secured by a first or second mortgage over the freehold shop property, if you own it, or over a home or investment property owned by you or the business. The licence still matters to the business, so tell your solicitor about the loan if the licence has conditions tied to the premises or the owner.

Yes, and this is the most common situation we see in retail. The security is not the store, it is the director's home or an investment property. A retailer with a leased shopfront and a director who owns property is a normal, fundable deal for us. Where the equity is there and the title is clean, the lease has no bearing on the outcome.

We lend from $250,000 to $10,000,000, up to 70% LVR against the property security. Terms run from 1 to 24 months, and most retailers use the facility for 3 to 6 months while a stock order sells through or a fit-out starts trading.

Yes. Funding a purchase order, a deposit, freight and duty months ahead of the trading period is one of the main reasons retailers come to us. The facility is secured against the property and repaid from the sell-through, so the term is set to finish after the season rather than partway through it.

No. We assess the security value and the exit strategy rather than running a trading line through a serviceability calculator. Where there is real equity in the director's property and a credible plan to repay, a tight margin or an uneven trading year is a timing question rather than a credit question.

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 retail the strongest exits are the sell-through of the funded stock, the trading proceeds from a peak season, a property settlement or sale, or a refinance to a longer-term lender where the pathway is demonstrable. A general intention to refinance at some point is not an exit strategy.

Yes. We clear the position in a single payment secured against the director's 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 and where a director penalty notice has been issued.

Usually not. A second mortgage sits behind the existing first, so a fixed rate does not need to be broken and the home loan stays in place. We review the first mortgage terms before proceeding to confirm no consent or notification obligation is triggered. This is business purpose lending only, so the funds are for the retail business rather than personal use.

That is a refinance we do often. Short-term advances repaid daily out of turnover drain cash and leave defaults behind when they go wrong. We can clear the advance with a facility secured by a mortgage over property, inside 70% LVR, at a rate that lets the business breathe. The advance sitting on your file is not a reason for us to decline.

Yes. We have pages for buying a business, a franchise or a retail property, each with the settlement steps.

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