How long does a commercial or corporate debt placement take?

A straightforward refinance typically runs four to eight weeks from mandate to settlement. More complex structures, such as multiple entities or several guarantors, take longer, mapped at engagement.

Is the facility managed after settlement?

Yes. Covenant monitoring, annual reviews, extension requests and eventual refinancing are part of the mandate, with the same adviser accountable for the facility over its life.

Commercial and corporate debt.

We arrange and structure commercial and corporate debt for companies, trusts and business-purpose borrowers, placed with the lenders whose policy and appetite actually fit.

Commercial & corporate debt

Debt for companies, trusts and business.

We arrange and structure commercial and corporate debt for companies, trusts, partnerships and individuals borrowing for business or investment purposes — commercial property investment and refinance, and business facilities secured by property. Most of what decides whether a facility gets approved on good terms is preparation and structure, not the underlying credit.

If your borrowing is regulated consumer credit — a home loan to buy, build or refinance a residence — that sits with residential & investment home loans, which Siare arranges as an authorised credit representative under Connective's Australian Credit Licence 389328. This page covers the business-purpose side.

What we arrange

Three situations this covers most.

Commercial property investment & refinance

Office, retail, industrial and mixed-use assets held for investment — acquisition finance, and refinancing an existing facility as terms, covenants or the lending entity's plans change.

Business & corporate facilities secured by property

Term debt and working capital facilities for a trading business, secured against commercial or investment property rather than assessed on cash flow alone.

Refinancing out of a bank or a non-bank

Moving a facility because a bank's risk appetite has changed, a covenant no longer fits, or a non-bank facility has reached the point where a bank now prices it better — tested properly rather than assumed.

Structure

Trusts and companies raise their own questions.

Most business-purpose borrowing sits inside a trust or company rather than an individual's name, and lenders test that structure before they test the deal. Beneficial ownership, the trustee's borrowing power, director and shareholder positions, and related-entity guarantees all get checked, and a structure decline is not the same as a credit decline — it is usually cheaper to fix, provided it is caught before submission rather than during it. See borrowing through a trust or company: what lenders require.

Clear the structure first

Trust deeds with every variation, director and shareholder registers, and evidence the borrowing entity actually has power to grant security — checked before a lender's own review finds the gap. See trust & company pre-clearance checklist.

Get the accountant's letter right the first time

Where income or serviceability is evidenced by an accountant's letter, the wrong financial year, entity or letterhead is a common reason a file bounces, and lenders routinely follow up with a verification call — see what lenders will ask your accountant. Prepare it properly with the accountant's letter prep kit.

Assessment

What a lender actually looks at.

Four things carry most of the weight in a commercial or corporate credit assessment, and market practice on leverage, pricing and covenants varies by lender, sector and security — we do not publish figures because none would be a reliable guide to your facility.

Security quality

Property type, location, lease covenant where the asset is tenanted, and how readily a lender believes it could be sold if it had to be.

Serviceability

Cash flow from the business or the property's income, tested against interest and principal at a buffer above the facility rate, not just at face value.

Entity and guarantor position

Who is borrowing, who is guaranteeing, and whether that structure survives the scrutiny in the section above.

Conduct history

How existing facilities have been run — arrears, covenant compliance and communication with the incumbent lender all inform how a new one is priced and structured.

How we run the process

Preparation, competition, negotiation.

Scope the mandate

Facility type, amount, security and timetable, and what a realistic outcome looks like before anything is put to a lender.

Prepare the credit case

Structure cleared, financials current, and the submission built the way a credit team actually reads a file rather than the way a borrower would explain it in conversation.

Run a genuine lender shortlist

Bank and non-bank lenders matched to the sector, leverage and timeline, tested against each other rather than placed with the first one that answers.

Negotiate the terms that bite later

Pricing matters, but covenants, review events and extension rights are what actually affect the facility over its life — negotiated with that in mind, not just the headline rate.

Settlement

Documentation and conditions precedent managed to a date, with one adviser accountable for the file end to end.

Stay engaged after settlement

Covenant monitoring, annual reviews, extensions and refinancing as circumstances change — a facility is rarely a one-off event over its full term.

What it costs

Scoped and confirmed before anything starts.

There are no published fees. A straightforward refinance is a different scope of work to a multi-entity trust structure with several guarantors, so every mandate is scoped on its own facts and the fee confirmed in writing before we start — alongside any lender-paid fees, disclosed to you in the same way.

Questions

What borrowers usually ask.

Who do you act for?

Companies, trusts, partnerships and individuals borrowing for business or investment purposes. Where the borrowing is regulated consumer credit — such as a home loan — we arrange that too, as an authorised credit representative under Connective's Australian Credit Licence 389328; see home loans.

How long does a placement take?

A straightforward refinance typically runs four to eight weeks from mandate to settlement. More complex structures — multiple entities, several guarantors, or a facility secured across more than one property — take longer, and we map the realistic timetable at engagement.

Why would I refinance out of my existing bank?

Common reasons include a covenant that no longer fits how the business operates, a review event the bank has flagged, or terms that have simply moved since the facility was last priced. Testing the market costs you the time to run a proper process — it is usually worth knowing what else is available before a review event forces the question.

What if the borrowing entity is a trust with several related entities?

That is common, not unusual, and it is exactly what the pre-clearance step in this page is for. Trust deeds, related-entity guarantees and beneficial ownership are mapped before the file goes to a lender, so a structure question does not surface for the first time mid-assessment.

Do you manage the facility after settlement?

Yes. Covenant monitoring, annual reviews, extension requests and eventual refinancing are part of the mandate, not a separate engagement — the same adviser stays accountable for the facility over its life.

Talk it through

Tell us the facility and the structure.

Siare arranges and structures commercial and corporate debt for business and investment-purpose borrowers, preparing your credit case and testing it against the lenders whose policy actually fits.

Send the facility details and the borrowing structure, and we will scope the mandate, the likely timetable and the fee before anything else happens.

Talk to an adviser Second mortgages & mezzanine

General information for business and investment purposes only. Not financial, credit, tax, legal or accounting advice, and it does not consider your objectives, situation or needs. Nothing on this page is an offer of finance or an indication that finance is available. All finance is subject to lender assessment, credit approval, satisfactory valuation and formal documentation. Obtain your own independent legal, tax and accounting advice before entering into any transaction.