Why manufacturers use private credit
Manufacturing ties up capital long before revenue arrives: raw materials, tooling, production runs and freight all precede payment. When a large order lands or a factory becomes available, bank timelines rarely match the commercial window. Envision Private arranges business-purpose facilities secured by Australian real property — typically industrial premises or director-held investment property — with indicative terms inside 24 hours and a defined exit built into the structure.
Common funding scenarios
- Purchasing or expanding an industrial or factory premises
- Funding raw materials and tooling for a large confirmed order
- Bridging between an expired bank facility and a new senior lender
- Paying out an ATO or supplier position to protect production
- Releasing equity from industrial property to fund plant investment
- Second mortgage top-ups behind an existing commercial facility
Security we consider
- Industrial and factory premises, owner-occupied or leased
- Warehousing and distribution property
- Commercial and residential investment property held by directors
- Second-ranking security behind an existing first mortgagee
Frequently asked questions
Can a manufacturer borrow against owner-occupied industrial property?
Yes. Owner-occupied commercial and industrial property is acceptable security where the loan purpose is business or investment related.
Do you fund plant and equipment purchases?
We can fund the purpose, but the security must be registered mortgage security over real property — not the plant itself.
What terms are typical?
Fixed terms of 6 to 24 months, with interest paid monthly or capitalised, repaid via refinance, sale or trading cashflow.
Is this regulated consumer lending?
No. All facilities are business or investment purpose. Envision Private is not an NCCP-regulated lender.
Important: Envision Private is not an NCCP-regulated lender. We arrange business and investment purpose loans only, funded by wholesale, sophisticated and professional investors, HNW individuals and family offices.