CASE STUDIES

Loan Amount - $2,500,000

Loan Purpose - ATO debt consolidation and working capital for business expansion.

Loan Structure - Second Mortgage Facility behind existing Tier 1+2 lenders.

Security - Portfolio of tenanted residential investment properties across NSW and QLD.

LVR - 70% of as-is property value.

Interest Rate - 14.95% p.a.

Loan Term – 12 months

Interest Structure

• Interest capped for 6 months

Exit Strategy- Refinance to a Tier 2 lender or sale of an investment property within the portfolio.

Strong Equity Position

The facility was structured at a conservative combined LVR, providing a strong equity buffer beneath the total secured debt.

Diversified Security

Security was provided by multiple residential investment properties across metropolitan NSW and QLD.

Income Producing Assets

All security properties were tenanted residential investments generating consistent rental income.

Clear Exit Strategy

The borrower intends to refinance to a Tier 2 lender or sell one of the properties within the portfolio

The borrower required funding to consolidate ATO debt and access working capital to support a business expansion opportunity.

Due to existing lending arrangements, traditional lenders were unable to provide additional capital.

FFC Commercial structured a second mortgage facility secured against a portfolio of residential investment properties, allowing the borrower to unlock equity while maintaining their existing senior lending structure.

Indicative Approval: 48 hours from receipt of scenario.

Settlement: Completed within 5 Business days following receipt of due diligence.

$1.50M Farm Purchase | 60% LVR | Agribusiness

Loan Amount - $1,500,000

Loan Purpose - Purchase

Loan Structure – Term Finance and Seasonal finance

Security – 815 Manley Rd, Merrigym, 3618 & Livestock

LVR – 60%

Interest Rate – 11.75%

Loan Term – 12 months

Interest Structure

• Interest capped for 3 months then serviced

Exit Strategy - Sale of Tasmanian existing property 

Diversified Security: 

For this deal to work, we required the property as security with additional livestock which allowed for an extra 500k ontop of the property lent out in a seasonal facility.

Clear Exit Strategy:

Clients had a clear exit being the sale of the Tasmanian property which was on the market as soon as we signed and valuations had returned confirming we are able to proceed.

Assisted experienced dairy operators in acquiring a $1.65M dairy farm through a tailored funding structure combining senior lending and vendor finance.

With an existing herd, equipment, and immediate operational capability, the borrowers were able to generate income from day one. 

The transaction was further supported by a residential asset valued at $950,000, with a clear exit strategy via its future sale to reduce overall debt.

Indicative Approval: 48 Hours from receipt of scenario

Settlement: Completed within 14 days following receipt of DD.

Loan Amount – 1,300,000

Loan Purpose – Business Purposes

Loan Structure – First Mortgage Commercial Loan

Security – Commercial Property in Campbellfield Victoria

LVR – 65%

Interest Rate – 8.7%

Loan Term – 12 months

Exit Strategy- =Strong exit, suitable which allowed for the deal to go through effieicnelty.

1. Strong commercial security underpinned by a first mortgage position
2. Conservative 65% LVR to align risk with lending objectives
3. Fast, straightforward execution without unnecessary complexity
4. Well-defined exit strategy providing confidence for all parties

The client sought $1,225,000 secured against a commercial property in Campbellfield. The purpose of the loan was clear, with the main challenge being to structure the facility at an appropriate and sensible risk level.

The transaction was supported by strong security, a practical loan structure, and a clear business purpose. Adjusting the LVR early in the process created greater certainty for all parties and helped prevent delays at settlement.

Indicative Approval: 3 business days

Settlement: 9 Business Days