Back to verticals

Advanced & Complex Lending.

Trusts, retained earnings, multiple entities: we translate complex files into approvals mainstream credit teams would decline.

The difference

The smarter approach to lending.

Complex lending rarely fails because the numbers are wrong. It fails because the file goes to the wrong lender, in the wrong order.

The Big Four approach

What usually happens
  • Auto-decisioning treats trust income as ‘non-standard’.
  • One-year financials often rejected without explanation.
  • SMSF lending tolerated rather than actively wanted.
  • Generalist credit team, no relationship.
  • Decline first, escalate later, if at all.

Our approach

What we do instead
  • Lender mapped to your structure before any lodgement.
  • Self-employed and trust income presented in context.
  • Active relationships with lenders that want SMSF business.
  • Same BDM and credit team on most files.
  • We escalate before lodgement, not after a decline.
What we solve

Where complexity actually sits.

Three situations where mainstream banking falls short and we structure approvals as a matter of routine.

01

Income banks can’t read

Add-backs, retained earnings, two-year averaging. We know which lender accepts which combination.

02

SMSF & LRBA acquisitions

We work with lenders who actively want SMSF business, not those who tolerate it.

03

Trust & entity structures

Trust deeds and distributions, presented the way credit teams need to see them.

Who we work with

Built for the hard files.

Business owners, contractors, professionals on retained earnings, families lending through trusts and SMSFs. The income is real; it just does not fit a tick-box assessment.

Professional team in a meeting
Practice ยท QLD
Lender panel

50+ lenders, finding you the perfect match.

We never run a single-lender pitch. Every complex file is mapped to at least three lenders that genuinely fit, across the Big Four, mid-tier majors, mutuals and specialist non-banks.

A selection of our lender panel, including Commonwealth Bank, ANZ, Virgin Money, NAB, Westpac, St.George, OnDeck, Go Edge, Pepper Money, Suncorp, ING and Bankwest

Ready to talk?