Asset based lending against Australian property.
Asset based lending sizes a loan against the value of an asset rather than against historic earnings. In the Australian market that covers several distinct products: property-secured facilities, debtor or invoice finance, and equipment or inventory lending. Envision Private works at the property end — first and second mortgages and caveats over Australian residential, commercial, industrial, retail and development real estate — arranged on behalf of wholesale investors, sophisticated investors and family offices. All facilities are business or investment purpose only, and we are not an NCCP-regulated lender.
When it makes sense
- Substantial property equity but limited or unlodged financials
- An acquisition or contract that must complete before a sale settles
- Releasing equity from an owned commercial or industrial asset
- Refinancing a facility a bank will not renew at term
- Funding a large order, tender or project mobilisation
- Restructuring debt across a group holding real property
Indicative loan parameters
| Asset class | Australian residential, commercial, industrial, retail, development land |
| Loan size | $250,000 – $20,000,000+ |
| Security | 1st or 2nd mortgage, or caveat |
| LVR | Up to ~75% of value depending on asset and ranking |
| Term | 1 – 24 months, business and investment purpose only |
| Basis of assessment | Asset value, sponsor track record and exit strategy |
How the process works
- Identify the asset — type, location, ownership entity and existing encumbrances.
- Size the facility — loan amount set against value, ranking and exit quality.
- Indicative terms — written IOI with pricing and conditions in 24 hours.
- Valuation and legals — independent valuation and security documentation.
- Settlement — security registered and funds advanced.