Institutional-grade debt solutions for complex financial situations. Strategic guidance from experienced finance professionals with deep lender relationships and analytical expertise.
Transparent fee-based consultancy — all costs discussed before engagement
While our core business lending services are commission-based (paid by lenders at no cost to you), some financial situations require deeper strategic analysis, bespoke solutions, and dedicated advocacy that goes beyond a typical lending application.
Our Debt Advisory service provides institutional-grade financial consulting for businesses and individuals navigating complex debt situations, capital structure decisions, multi-lender negotiations, or financial distress scenarios.
With 12+ years industry experience across NAB, ANZ, Westpac and accounting (including Deloitte audit), we bring analytical rigour and insider knowledge typically reserved for corporate banking clients — now accessible to sophisticated borrowers who need more than a standard loan application.
"Debt advisory is about seeing the complete financial picture and engineering solutions that standard lending processes simply can't accommodate. It's strategic work that requires time, expertise, and a fundamentally different approach."
— Melanie McNaughton, Director & Principal Lending StrategistThese situations often require strategic guidance beyond standard lending.
Struggling to meet repayments or facing covenant breaches with existing lenders.
Multi-entity groups, trusts, or SMSF arrangements requiring coordinated strategy.
Urgent refinancing needs, expiring facilities, or deadline-driven transactions.
Facilities across several institutions needing coordination or rationalisation.
Tax debt requiring resolution, payment arrangements, or refinancing solutions.
Preparing for sale, acquisition, succession, or major strategic change.
Strategic services tailored to complex financial situations requiring expert guidance.
Strategic reorganisation of existing facilities to improve terms, address serviceability challenges, and optimise your debt position for long-term sustainability.
Comprehensive analysis and strategic redesign of your debt/equity mix to maximise returns, support growth objectives, and improve financial flexibility.
Expert management of complex facilities across multiple lenders with optimal terms, coordinated security arrangements, and streamlined ongoing management.
Strategic guidance for businesses facing financial difficulty, including turnaround support, lender workout negotiations, and viable recovery pathways.
Sophisticated cash flow projections, scenario analysis, and financial modelling to support lending applications, strategic decisions, and stakeholder presentations.
Strategic debt positioning before major transactions including sale preparation, acquisition finance structuring, and succession planning support.
Designed for sophisticated borrowers with complex situations beyond standard lending.
Multiple investment properties requiring restructuring, lender consolidation, or security optimisation across your portfolio.
Multi-entity groups, trust structures, and holding companies requiring coordinated debt strategy across related entities.
Companies preparing for sale, pursuing acquisition opportunities, or navigating ownership succession and generational transfer.
Businesses experiencing cash flow pressure, covenant breaches, lender challenges, or requiring turnaround support.
Foreign income streams, offshore assets, international structures, or expat borrowers with complex global positions.
Tax debt requiring resolution, payment plan arrangements, refinancing to clear ATO liabilities, or negotiated settlements.
These are the types of complex scenarios where debt advisory adds significant value beyond standard lending services.
A property investor with 8 properties across 4 lenders, each with different LVRs, rates, and terms — needing a consolidated strategy to release equity and optimise the portfolio structure.
A manufacturing business with deteriorating cash flow, breached covenants, and a bank threatening to appoint receivers — requiring negotiated workout and refinancing strategy.
A business owner planning to sell in 18 months who needs to optimise their debt structure, clean up security arrangements, and present financials attractively to buyers.
A company with $800K in ATO debt accumulated during COVID, now impacting their ability to obtain finance — needing a strategy to resolve, refinance, or negotiate.
A family business transitioning to the next generation, requiring debt restructuring to facilitate buyout of retiring parents while maintaining working capital for operations.
A group with 12 entities, 3 trusts, SMSF holdings, and facilities with 5 different lenders — needing a complete review and rationalisation of the debt architecture.
A structured approach to delivering strategic outcomes.
Complimentary discussion to understand your situation, identify key challenges, and determine if debt advisory is the right approach for your needs.
Clear written proposal outlining scope, deliverables, timeline, and fees. No surprises — you approve before any work begins or fees are incurred.
Deep-dive analysis of your financial position, market options, and strategic alternatives. Development of detailed recommendations with supporting modelling.
Execute the agreed strategy through to completion. This may include lender negotiations, documentation, and ongoing support until objectives are achieved.
Clear, upfront pricing with no hidden costs or surprises.
Unlike standard business lending (where lenders pay commission at no cost to you), debt advisory is fee-based — reflecting the strategic expertise, time investment, and bespoke solutions required for complex situations.
Initial consultation is always complimentary. All fees are discussed and agreed in writing before any work begins.
Different approaches for different situations.
Expertise and perspective you won't find at typical brokerages.
12+ years industry experience across NAB, ANZ, Westpac and accounting. We know how banks assess risk, structure deals, and make credit decisions from the inside.
Deloitte audit training brings institutional-grade financial modelling, analytical frameworks, and documentation standards typically reserved for large corporate clients.
Deep relationships across major banks, challenger banks, non-bank lenders, and private credit funds. We find solutions where others see roadblocks.
Personal attention from a principal-led firm. You work directly with experienced professionals, not junior staff or call centres. Your situation gets the attention it deserves.
Book a complimentary initial consultation to explore your situation, understand your options, and determine whether debt advisory is the right approach for your needs.
