Professional firms such as law practices, consultancies, and medical specialists face unique funding considerations. Many operate under trust structures or have income derived from billables or retainers, which can affect how lenders assess serviceability.

An experienced lending advisor will understand how to present your financials in a way that meets bank expectations, often factoring in:

• Partner distributions
• Historical cash flow trends
• Debtor and WIP management

Tailored advice makes all the difference when navigating these assessments.

Yes. In fact, refinancing is common among CBD-based businesses seeking to improve their interest rate, consolidate debt, or unlock equity in commercial property.

Your eligibility will depend on several factors, including the location and value of your property, your current LVR, and the strength of your business financials. Our lending advisors assess your position across multiple lenders to find the best refinancing terms available in the Melbourne market.

Many business owners in the CBD use asset-backed lending to unlock liquidity without selling core assets. This might involve using a commercial property or large equipment as security for funding new projects or smoothing cash flow.

We frequently help clients structure lending arrangements using their:

• Commercial offices
• Business vehicles or machinery
• Residential property held within a trust or company structure

Asset-backed lending can provide flexibility while preserving ownership and control.

HNW clients often use debt strategically to grow their portfolios, manage tax exposure, or fund large acquisitions. This may involve margin lending, equity release, or non-bank private funding.

In Melbourne CBD, these strategies are often layered with trust structures, SMSFs, or company entities. A lending advisor experienced in this space will coordinate with your accountant or wealth manager to structure facilities that align with your long-term financial strategy and risk profile.

Yes, several mainstream and non-bank lenders now offer green loans or sustainability-linked finance options. These are especially relevant for commercial buildings in the CBD undergoing energy efficiency upgrades or seeking NABERS improvements.

Eligibility may be tied to building certification, improvement targets, or energy ratings. We can help identify lenders active in the green finance space. We also ensure your application meets their sustainability criteria without introducing compliance risks or delays.

Preparation is key when approaching lenders in a competitive CBD market. You should be ready to provide:

• Two to three years of financial statements
• BAS and ATO records
• Business plans or project documentation for expansion or acquisitions

Having your financials professionally presented is essential. This is particularly true if you operate through a trust or hold assets in separate entities, as it gives lenders confidence and increases your approval chances.

Yes. Many of our Melbourne CBD clients invest in commercial property via their SMSF, and lending within a superannuation environment is highly regulated.

We provide guidance on Limited Recourse Borrowing Arrangements (LRBAs), including lender options, contribution planning, and SMSF compliance. We also collaborate with your SMSF accountant to ensure that all documentation and loan structures meet ATO and lender requirements.