Multi-Facility Refinance Consolidates Commercial Debt and Improves Cashflow for Builder Client

The Brokerage recently worked with a builder client to refinance their term debt secured against an owner-occupied commercial property, securing 70% LVR at a competitive rate.

Alongside the refinance, we structured a $100,000 bank guarantee limit secured against the same property to support ongoing operations, arranged a $350,000 unsecured overdraft to improve working capital flexibility, and refinanced $80,000 of ATO debt into a structured unsecured facility ahead of upcoming deductibility changes.

Outcome

In a tighter operating environment, reviewing commercial debt structures can unlock meaningful flexibility. The result was a consolidated structure designed to ease cashflow pressure and better position the business moving forward.

Key Details

• Purpose: Commercial refinance and debt consolidation
• Security: Owner-occupied commercial property
• LVR: 70%
• Facilities: Term loan, bank guarantee, unsecured overdraft, ATO debt refinance
• Total Facilities: 4

To find out more about how we can help, contact our team today.