• Tailor-made for your requirements • Leading industry experience • Competitive rates, and fast approvals • We think outside the box to solve urgent and complex funding issues. If the deal makes sense, we can help. • Provide innovative solutions • Over 100 years of combined experience We can assist where traditional home loan lenders cannot!
Credit Impaired, Ex-Bankrupt, Non-Conforming
Short-term funding can be used to assist with working capital management and to assist with business funding. We have direct access to private funding, so we can facili- tate your short-term loan or second mort- gage application quickly and provide you with short-term finance. We work with private lenders who provide finance options to clients including those with a bad credit history. They offer loan terms ranging from 3 months – 10 years to assist with property purchases, business/ commercial loans, car loans, etc. that tradi- tional lenders would otherwise decline.
Same Day Equity Release
With an equity line of credit, you can access capital from your assets today! • Fast equity release caveat loans • No establishment fees • No application fee • No early repayment fee • No fixed term • Draw up or down at your convenience • Interest calculated daily • Short-term interest capitalisation
No-Doc Commercial Property Loans
This is for commercial property loan borrowers who cannot demonstrate serviceability through traditional means but can provide an account- ant’s letter confirming they can afford the loan repayments.
Short-Term Business Loans
Short-term loans are useful: • To provide a short-term loan to settle an urgent loan where time is of the essence and while you wait for a cheaper loan to be approved and settled. • Payout the Australian Taxation Office (ATO) with short-term finance, which will then allow you to refinance with a lower interest rate lender. • Use short-term finance to payout aggres- sive creditors who are threatening to default you or place you in sequestration, administra- tion, receivership, liquidation or bankruptcy. • If you are already in default, administration, receiv- ership or liquidation we can arrange a funder to payout the debt with a short-term loan, with the goal to refinance with a private lender for a more extended period while you repair your credit rating. • To take advantage of a business op- portunity where you need money fast to make sure you don’t lose out.
Private Property Loans
Private property loans are for company borrowers who cannot demonstrate serviceability through traditional means, however, can obtain an accountant’s letter confirming that the corporate borrower can afford the loan repayments.
Credit Impaired Loans
For commercial property loan borrowers who have credit impairments, such as defaults and judgments on their credit files, or are in administration, receivership or liquidation, ACM may be able to implement a financial workout strategy and secure funding to payout all creditors and lenders, etc.
Asset-Based Lending Facilities
Our asset-based lines of lending provide more flexibility and availability compared to the traditional cash flow credit options. This facility has been utilised by many of our clients to meet the operational goals of their project.
Restructuring
Complexities related to financial arrangements can often restrict the growth of your development project. We can help you get back on track by implementing restructuring strategies that will free your project from the impact of inappropriate debt structures
Corporate Financing
With strong relationships with the investors and issuers, we help our clients connect with the right investors efficiently and effectively. Our distribution capability covers both retail and institutional invest
Debt Capital Structuring
Our debt capital structuring team provides integrated funding advice to our clients, related to their acquisition, restructuring, refinancing, and other significant projects
Bridging Finance
ACM provides gap loans or bridge loans designed to function as a temporary source of funding until a permanent arrangement can be made. These loans can be used for any worthwhile commercial purpose and are secured against real property.
Offtake Agreements
ACM have the experience and expertise to arrange offtake agreements if you have a resource or commodity that you are looking to market overseas.
Marketing and Selling Your Development
ACM has the capability via their expert associated partners to market and sell your development. Apart from the traditional selling methods, we also have access to a product that will lock in the future sale price of a buyer’s property at the current market value, for a period of ten years. They need only pay a small option fee. This can be of great benefit to an investor seeking to reduce their risk.
Pre-Sales and Put Options
Many projects do not require pre-sales for funding, but pre-sales will help you get lower loan costs and reduce your risk.ACM can market and sell your property, including pre-sales and we can also arrange a service for developers whereby “standby presales” (put options) on new residential projects are arranged for financing to take place (complying with bank pre-sale requirements).
Stretched Senior Debt
We blend the senior and Junior debts into one funding facility with more flexible terms and conditions than what a senior debt requires. Traditional ratios are stretched so that we can provide a much higher LVR than would be the case with traditional senior debt.
Preferred Equity
We offer preferred equity (PE) financing to borrowers that need more flexibility. It is equity in the project and, as such, it means that the provider will share in the profits of the development project. Preferred equity shares a similar purpose to mezzanine debt finance. It also means you can release equity from an existing project or fund a gap in your capital requirements that aren’t being met by senior debt lenders. PE can be a valuable resource to a developer who could not complete the project without this type of investment because they can’t put in enough of their own money due to other commitments
Mezzanine Finance
Many developments will need to increase their borrowing capacity beyond the LVR and other ratios demanded by traditional institutional lenders. They will need these additional funds to bridge the gap so that they can ensure their development will be completed and sold as planned to meet their profit objective. It funds the gap between the developer’s cash contribution and the first mortgagee’s facility limit. This junior debt is usually secured by a second mortgage.
Development Site Acquisition and Construction Finance
ACM will always get you the best rate and fa- cility to complete the acquisition of the devel- opment site. How? we can source from other funders, including private lenders who are not restricted by bank benchmark financial ratios.
Building Sustainable Competitive Advantage
Clients with quality property projects that require funding over and above senior debt (first mortgage) and junior debt (mezzanine,s econd mortgage) can speak to us about us becoming a partner by way of a joint venture (JV) agreement. This is a value to those who lack the experience and expertise to undertake a property development themselves.
Packaging Complex Funding Structures
We go above and beyond the usual service you may have experienced in the past. We have a team of highly experienced people who can assist you in all areas of your project encompassing valuation,construction, quantity surveying and project management. If you believe you have a viable development project, then contact us as soon as possible so we can work with you to structure your proposal and make it happen… Fast!
Development Finance Specialists
ACM have access to every institutional lender in this country (and many more from other countries). We also have direct access to private lenders , which means swift decision making and no intermediate broker chains adding unnecessary costs and delay. We arrange: • Seniordebt • Mezzanine finance • Preferred equity or debt-equity • Jointventures