Solutions in practice

The structure behind the result.

Anonymised examples showing how we approach real finance challenges. Each outcome reflects a specific client’s circumstances and is not a guarantee of future lending approval.

Professional consulting rooms in a modern commercial property

Case study 01 · Commercial property

Funding the complete cost of a consulting-rooms acquisition.

The clients were purchasing commercial consulting rooms. Their objective was to finance the entire acquisition—including GST, government fees and purchase costs—without providing an additional property as security.

Purchase price: $2.05m
Total facility: $2.4m
Additional security: None

The challenge

The funding requirement exceeded the property purchase price because it also needed to cover GST and the associated government and acquisition costs.

The solution

SME Finance Group structured a $2.4 million commercial-property facility around the consulting rooms being acquired, without relying on any additional property as security.

The outcome

The facility funded the $2.05 million purchase price together with GST and the required government fees and purchase costs.

This anonymised case study describes a past client outcome. Lending criteria, interest rates, fees, security requirements and outcomes vary according to each applicant and transaction.

Substantial freestanding residential investment property in Inner Melbourne

Case study 02 · Business equity release

$3 million released for working capital.

The client wanted to refinance existing major-bank lending and unlock capital for future business and investment opportunities.

Property value: $5.5m
Capital released: $3m
Location: Inner Melbourne

The objective

Refinance the existing major-bank facility and create flexible access to capital for future business and investment purposes.

The solution

SME Finance Group structured a refinance against the client’s Inner Melbourne residential investment property, which was valued at $5.5 million.

The outcome

The refinance released $3 million in working capital for the client’s future business and investment requirements.

This anonymised case study describes a past client outcome. Lending criteria, interest rates, fees, security requirements and outcomes vary according to each applicant and transaction.

Industrial building-material processing facility with organised stockpiles and equipment

Case study 03 · Industrial property

Debt consolidated and equity released for a contractor.

A contractor wanted to simplify existing business debts and release equity for working capital, using an industrial site that processes old building materials as security.

Loan arranged: $2.25m
Property type: Industrial
Purpose: Working capital

The challenge

The transaction combined debt consolidation with equity release against a specialised industrial site, requiring a structure suited to both the property and the business purpose.

The solution

SME Finance Group arranged a $2.25 million loan secured against the industrial property, consolidating the existing debt and incorporating an equity-release component.

The outcome

The contractor simplified the existing debt position and gained access to additional working capital for ongoing business requirements.

This anonymised case study describes a past client outcome. Lending criteria, interest rates, fees, security requirements and outcomes vary according to each applicant and transaction.

Red Ferrari 488 Spider representing prestige vehicle finance

Illustrative image.

Case study 04 · Prestige vehicle finance

Ferrari 488 Spider secured without a rushed vehicle sale.

The client identified a Ferrari 488 Spider they wished to purchase, intending to apply the proceeds from the sale of their existing Ferrari California towards the acquisition.

Asset value: $480,000
Vehicle: 488 Spider
Structure: Bridging

The challenge

The 488 Spider became available before the California had sold. Delaying the purchase risked losing the vehicle, while accelerating the sale of the California could have required the client to accept a lower price.

The solution

SME Finance Group structured the finance to bridge the funding shortfall until the existing vehicle was sold. This allowed the client to proceed with the purchase without making the transaction dependent on an immediate sale.

The outcome

The client secured the Ferrari 488 Spider and retained the time and flexibility to sell the California on acceptable terms, avoiding a rushed sale and preserving the value of the existing vehicle.

This anonymised case study describes a past client outcome. Lending criteria, interest rates, fees, security requirements and outcomes vary according to each applicant and transaction.

Light silver flatbed work truck with a crane mounted behind the cab

Illustrative image.

Case study 05 · Vehicle & equipment finance

Staged finance for a purpose-built truck and crane.

The client had secured a new contract and required a purpose-built flatbed truck with a mounted crane to perform the work.

Assets financed: Truck + crane
Acquisition: Staged
Final structure: One facility

The challenge

The truck and crane needed to be acquired separately from different suppliers, with the crane construction and installation occurring over several months. A conventional single-purchase facility did not accommodate the staged acquisition or the client’s project timetable.

The solution

SME Finance Group structured the funding around the acquisition schedule. The truck was purchased first, preserving working capital while the crane was being completed. Once the crane had been installed, the two assets were consolidated into one finance facility.

The outcome

The client obtained the equipment required to deliver the new contract while maintaining working capital throughout the build. The completed truck and crane were financed under one facility with one regular repayment.

This anonymised case study describes a past client outcome. Lending criteria, interest rates, fees, security requirements and outcomes vary according to each applicant and transaction.

Business owner reviewing project plans and cash-flow requirements

Illustrative image.

Case study 06 · Business finance

ATO debt refinanced and working capital arranged for growth.

The client had secured new projects requiring substantial upfront mobilisation expenditure. At the same time, an existing ATO debt was limiting access to the additional funding needed to commence the work.

Facilities: Two
Tax debt: Refinanced
Working capital: Revolving

The challenge

Project costs needed to be funded well before the associated income would be received. The outstanding tax debt placed additional pressure on cash flow and restricted the client’s available finance options.

The solution

SME Finance Group refinanced the ATO debt and arranged a revolving line of credit, providing flexible access to working capital as each new project commenced.

The outcome

The ATO debt was cleared, reducing immediate pressure on the business. The revolving facility gave the client ongoing access to working capital, with interest applying to funds drawn, supporting both current project mobilisation and future growth.

This anonymised case study describes a past client outcome. Lending criteria, interest rates, fees, security requirements and outcomes vary according to each applicant and transaction.

Light silver vehicle ready for collection from a contemporary dealership

Illustrative image.

Case study 07 · Vehicle finance

From deciding to buy to collecting the car in one business day.

The client decided on Wednesday that they wanted to purchase a $50,000 vehicle and needed help arranging finance without losing time comparing lenders and loan structures.

Asset value: $50,000
Enquiry: Wednesday
Vehicle collected: Thursday

The challenge

The client was time-poor and unsure how to assess the available vehicle-finance options. They wanted the purchase to proceed quickly, but still needed a finance structure suited to their circumstances.

The solution

SME Finance Group reviewed the client’s requirements, identified an appropriate finance option and coordinated the application promptly.

The outcome

The finance was arranged in time for the client to collect the vehicle on Thursday afternoon—one business day after deciding to make the purchase.

This anonymised case study describes a past client outcome. Lending criteria, interest rates, fees, security requirements and outcomes vary according to each applicant and transaction.

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