Commercial Debt & Equity Advisory
Risk-Adjusted Financing
Every facility trades cost against flexibility against risk. We structure funding to the point on that spectrum where the client actually sits, weighing pricing certainty against covenant headroom and near-term cost against long-term optionality, so the finance serves the strategy rather than quietly constraining it.
The cheapest facility on day one is not always the cheapest facility over the life of the strategy. Fixed pricing bought at the wrong moment, covenants set with no headroom, or a tenor that forces a refinance into a difficult market can each cost more than a margin ever saved. Our role is to make those trade-offs visible before they are signed.
We map the client's actual position across income durability, tenancy risk, development exposure and liquidity, set it against the terms on offer, and structure to the point on the spectrum where the finance supports the plan rather than constraining it. Sometimes that means paying for flexibility; sometimes it means locking certainty in. Either way it is a decision, made deliberately.
The result is documentation you understand, obligations you can meet in a difficult quarter, and options you still hold when circumstances change.
Working on a transaction, a development, or a refinance?
Send us the outline. We will tell you what is achievable and how we would structure it.
Transact Finance Pty Ltd, ABN 37 641 108 009, ACN 641 108 009, Credit Representative (525470) authorised under Australian Credit Licence 389328.
Information on this page is general only and has been prepared without taking into account your objectives, financial situation or needs. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lender terms and conditions; fees, charges and eligibility criteria apply. Credit Guide