Refinancing & Debt Consolidation
Restructure your business finances. Consolidate multiple debts, reduce interest costs, and improve cash flow with tailored refinancing solutions.
Key Features
Lower Interest Costs
Potentially reduce your overall interest burden
Simplified Payments
Consolidate multiple debts into a single facility
Improved Cash Flow
Restructure repayments to match your cash flow
Release Equity
Access equity in your assets for other purposes
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 ApplicationWhen to Consider Refinancing
Business refinancing makes sense when you can achieve better terms than your current arrangements, when you want to consolidate multiple debts for simplicity, or when you need to restructure repayments to better match your cash flow.
We help businesses assess whether refinancing will improve their position and identify lenders offering competitive terms for their situation.
Debt Consolidation Benefits
Multiple business debts with different lenders, rates, and repayment dates can be complex to manage. Consolidating into a single facility simplifies administration and may reduce your overall interest costs.
Consolidation can also extend repayment terms, reducing monthly payments and improving cash flow, though this may increase total interest paid over the loan life.
What Can Be Refinanced
We can help refinance commercial mortgages, equipment finance, business loans, tax debts, and other business obligations. The key requirement is sufficient security to support the refinanced facility.
Refinancing can also release equity in your property or assets for working capital, expansion, or other business purposes.
Discuss Your Refinancing & Debt Consolidation 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.