CASE STUDIES

In the fast-paced Australian property market, a family-owned development firm acquired a coveted inner-city commercial site but was up against a stringent settlement deadline, requiring $10 million in funding. Their long-standing major bank turned down the loan, citing its modest size and demanding impractical pre-leasing conditions. Our team quickly orchestrated a thorough banking tender, engaging top-tier lenders, regional banks, and private credit options. We pinpointed the ideal short-term fix through flexible private credit, delivering swift capital to seal the deal on time. Following that, a major bank stepped in with enhanced refinancing for their entire portfolio, eliminating personal guarantees and offering top-tier rates that saved the client $300,000 annually. This success highlights our proficiency in managing tenders, negotiating with lenders, and always putting client priorities first in mid- tier property transactions.

Amid e-commerce shifts, a multi-generational national retail chain, with 50+ stores in carried $25 million in debt from store expansions and inventory overstock. Failed banking covenants & ATO debts resulted in high-interest term loans and supplier credits threatened closure of several outlets. Engaging our debt advisory services, we performed a detailed cash flow forecast and creditor mapping. Our team orchestrated complex negotiations, converting short-term debts into long-term secured bank lending and working capital financing for immediate relief. We also advised on divestiture of non-core assets, generating $5 million in proceeds applied to principal reductions. The restructure lowered debt servicing costs by 35%, allowing reinvestment in online platforms. Now thriving with hybrid retail models, the business has seen a 25% sales uplift, highlighting our proficiency in mid-market retail restructures across Australia's dynamic consumer markets & navigating the consumer cycle.

A family-run agribusiness in rural New South Wales grappled with $8 million in seasonal debt exacerbated by drought and fluctuating commodity prices. Inherited from previous generations, the loans were fragmented across lenders, hindering operational efficiency. Our commercial brokerage analysed the farm's assets, including land and equipment, to devise a bespoke restructuring plan. By introducing interest rate hedges & greater limits, we mitigated market volatility risks, enhanced liquidity for investment in irrigation technology, ensuring intergenerational continuity. This case exemplifies our skill in navigating Australia's agricultural finance landscape, delivering tailored solutions that preserve family legacies while fostering resilience.

Project finance and family commercial portfolio investment were at risk of default, stalling ongoing builds. Our brokerage intervened with a forensic review of contracts and assets, identifying undervalued stand-alone collateral & significant headroom for higher lending limits through cross collateralising assets, whilst removing all personal guarantees. We structured a mezzanine finance layer to bridge senior debt gaps and renegotiated with banks for moratoriums on principal repayments for an interest only period. Incorporating performance-based covenants linked to project milestones, we ensured alignment with cash inflows. This sophisticated strategy reduced interest burdens by 50 BPS and freed $7 million to recapitalise and give the business capital to finalise stalled projects. The firm completed key projects, removed all risk to the family business & demonstrated our expertise in handling high-stakes debt in Australia's development industry.

Convertible notes and R&D loans posed equity dilution risks. Our debt advisory specialists crafted a restructure of maturing debt through private credit, introducing revenue-based financing tied to SaaS subscriptions to give higher lending limits. The outcome empowered the business to pivot to AI integrations, doubling user base and revenue. This case underscores our skill in sophisticated financial engineering for mid-market tech, ensuring Australia's innovation ecosystem remains vibrant.

A regional family healthcare carried $12 million in debt from clinic expansions and equipment purchases, intensified by regulatory changes. Mortgage-backed loans and vendor financing strained margins. Our team conducted a sector-specific analysis, pinpointing efficiencies in billing cycles. We arranged a syndicated refinance with healthcare-focused lenders, incorporating earn-out clauses based on patient volumes. Asset lending against medical gear provided immediate liquidity of $2.5 million. The restructure decreased debt ratios to give them the liquidity needed to finance their working capital and investment needs. With a larger footprint, the client has improved profitability and compliance, the business now serves 30% more patients, illustrating our adept handling of complex debt in Australia's essential healthcare sector for family enterprises.

An independent family school network had $7 million in construction debt for campus upgrades, compounded by enrolment fluctuations. Our advisors performed a demographic forecast and financial modelling as part of our credit paper to highlight catchment growth and loan viability, securing a new facility that had previously been rejected. This highlights our sophisticated advisory in Australia's education sector, safeguarding family-run entities' long-term viability.

Our team mapped out a financing blueprint to finance into the big four that will drastically reduce rates, refinancing via hospitality-specific lenders. Our case demonstrates expert navigation of volatile hospitality debts, empowering Australian family businesses to thrive.

Our brokerage conducted market assessments, restructuring via project finance with asset lenders through new 5 year asset loans. This achievement showcases our high-level skill in mid-market mining debt advisory, driving sustainable success in Australia's resource sector.

A third-generation family manufacturing business faced mounting pressures from $15 million in debt accumulated through rapid expansion and supply chain disruptions post-COVID. With legacy loans at high interest rates and cash flow strained by rising material costs, the company risked insolvency. Our debt advisory team stepped in, conducting a thorough financial audit and identifying opportunities for debt consolidation. Leveraging our expertise in lending, we negotiated with multiple banks to refinance into a single, flexible facility with extended terms and reduced rates. We also introduced asset-based lending secured against machinery, unlocking $3 million in working capital. The restructure not only slashed annual interest payments by 25% but also positioned the business for sustainable growth. Today, the firm has expanded its workforce by 20% and reported record profits, showcasing our sophisticated approach to mid-market debt challenges in Australia's manufacturing sector.