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  The year in review In recent years, private lending has grown from a niche, expensive, and complicated option, into a booming industry. As more private lenders enter the market, the standards continue to improve, and more trusted entities emerge. In light of this, options for borrowers and investors keep going from strength to strength. By March of 2020, the industry surpassed a whopping $100bn, an increase of $20bn from December 2018,  as reported by Simon Cathro . That $100bn is an estimated 9% of all corporate debt – making private lending well and truly a core lending market. private home lenders Melbourne Last year’s COVID lockdowns and Australia’s subsequent economic recession saw the private lending industry take off even more. In July of 2020, at the height of the pandemic’s uncertainty in Victoria, major Aussie banks were flagging $220bn in loan deferrals and were taking up action to protect their positions by raising additional capital,  according to EY Partne...

  Mezzanine Finance, Mezzanine Debt – or ‘Mezz Debt’ for brevity’s sake – is a term on the rise in the construction and development world. But it’s a term that a lot of us are unfamiliar with. So, let’s talk about it. What exactly  is  Mezz Debt? And how can it be a game-changer for your next construction project? The easiest way to think about Mezz Debt in relation to construction loans is as a ‘Capital Stack’, a term commonly used to describe the various levels of capital that join forces to fund a project. Personally, the idea of a Capital Stack makes me think of a juicy burger, so here goes nothing – my construction financing hamburger analogy,  The Capital Stack . Senior Debt First off, we have our burger bun – the  Senior Debt . That’s the most substantial part of the Capital Stack, and it makes up much of the Loan to Value ratio of a project. If you’re securing this Senior Debt from a private lender, then it usually sits at between 67 and 75 per cent of t...

      Looking to boost your business’s working capital?   Working capital is a term we’re hearing a lot lately, especially after last year’s lockdowns ground many business’ cash flow to a halt. In 2021, there are incredible opportunities and incentives out there for new business and expanding business. So,  what should you do if the banks are saying ‘no’?    Private Lending can be a great solution to get your business the cash flow it needs. If business owners are looking for help to keep their business operational through the tough times, a working capital loan can help. They can also be a great solution if your business needs a cash injection to take advantage of opportunities in the good times.   There are several reasons your business might require additional working capital, and what it can be used for. For example:  commercial private lenders Sydney     1. Seasonal changes to cash-flow   Seasonal differences in cash flow ...