Business Finance Readiness
The best time to arrange business finance is when your business is strong. We audit your existing facilities, identify cost savings, optimise your debt structure, and position you for better lending outcomes — before cash flow pressure forces expensive alternatives.
Key Features
Facility Audit
Comprehensive review of all existing finance facilities — rates, terms, security, and utilisation — benchmarked against current market to identify savings and gaps.
Pre-Approval Strategy
Establish revolving facilities, backup lender relationships, and pre-approved limits while your financials are strong and lenders are competing for your business.
Debt Optimisation
Right-size your debt structure — the correct mix of secured and unsecured, term and revolving, fixed and variable — to minimise cost and maximise flexibility.
Contingency Planning
Build finance resilience with backup lender relationships, facility headroom, and structures that protect you when market conditions or business circumstances change.
Recently Funded Deals
See what's possible with the right finance solution
*Based on real deals settled by Andorra Private. Details may be generalised for confidentiality.
Unregistered MIS — Industrial Warehouse Portfolio
The Scenario
A property syndicate structured as an unregistered managed investment scheme sought finance to acquire a portfolio of large industrial warehouses in regional Victoria.
The Challenge
The syndicate required non-recourse lending with no directors guarantees — a structure many lenders are unfamiliar with. Loan documentation needed to reflect the MIS trust structure correctly, requiring coordination between the client, their solicitor, and the bank's solicitor.
The Solution
We identified a major bank willing to provide a lease-doc facility on a non-recourse basis. We then worked closely with all parties — the client, their legal counsel, and the bank's solicitors — to ensure the loan contracts correctly reflected the trust structure and that no personal guarantees were required.
The Outcome
The facility was successfully arranged with a major bank. The syndicate acquired the warehouse portfolio with no directors guarantees, and all loan documentation was executed correctly on the first pass.
Non-Recourse
Structure
None
Guarantees
Lease-Doc
Facility Type
Major Bank
Lender
Client Testimonials
Hear from our satisfied clients
“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”
Rachael
Commercial Lending
“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”
P
Commercial Finance
“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”
ADS Rawal
Commercial Property
Ready to discuss your options? Get a response within 24 hours.
Start ApplicationWhy Act Now — The Cost of Waiting
Most businesses seek finance when they are under pressure — declining revenue, cash flow gaps, or urgent capital needs. At that point, their financials are at their weakest, which is exactly when lenders are most cautious. The result is limited options, higher rates, and restrictive terms that compound the very problems driving the need for capital.
Businesses that arrange facilities proactively — while trading strongly — secure rates that can be 3-5% lower, access higher limits, avoid personal guarantees, and have facilities already in place when challenges arise. The difference between a 7.5% bank facility and a 14.9% non-bank facility on $500,000 is more than $37,000 per year in unnecessary interest.
Our Process
We begin with a comprehensive review of your current finance position — every facility, rate, security arrangement, and covenant. We benchmark these against our lender panel to identify where you are overpaying and where gaps exist in your facility structure.
From there, we develop a tailored recommendations report covering rate renegotiation opportunities, facility restructuring, new facilities to establish, and a timeline for implementation. We then execute the plan — whether that means renegotiating with your existing lender, introducing new facilities, or restructuring security arrangements.
What You Get
Every engagement produces a written Finance Position Summary covering your current facilities audit with benchmarked rates, analysis of potential cost savings on existing facilities, recommended facility structure for business resilience, a pre-approval roadmap for facilities to establish while your position is strong, and an ongoing review schedule.
This is not a generic report — it is a specific, actionable plan built around your business, your facilities, and your goals. Most clients identify immediate savings that exceed the cost of any changes, and gain the peace of mind that comes from knowing their finance structure is optimised and resilient.
Discuss Your Business Finance Readiness Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
Ready to Get Started?
Start your application today and get a response within 24 hours from our finance specialists.