Why professional services firms use private credit
Professional services firms carry their value in people and work in progress — neither of which a bank will lend against comfortably. When a partner retires, a bolt-on acquisition appears, or a large engagement stretches working capital, the constraint is rarely profitability; it is security and speed. Envision Private arranges business-purpose facilities secured by registered mortgages over Australian real property, giving principals a way to act quickly and refinance later on conventional terms.
Common funding scenarios
- Funding a partner buy-in, buy-out or equity restructure
- Acquiring a complementary practice or client book
- Purchasing or fitting out office premises
- Bridging working capital across a large engagement or WIP build
- Refinancing expensive unsecured business debt into a secured facility
- Releasing equity from a principal's investment property for firm growth
Security we consider
- Commercial office premises and suites
- Residential and commercial investment property held by principals
- Mixed-use property
- Second-ranking security behind an existing first mortgagee
Frequently asked questions
Can a partner buy-in be funded with private credit?
Yes, where the facility is business purpose and secured by a registered mortgage over Australian real property held by the incoming partner, the firm or a related entity.
Do you lend against work in progress or receivables?
No. Our facilities are secured by real property. WIP and receivables can support the exit strategy but are not accepted as primary security.
How fast can a firm access funding?
Indicative terms are usually issued within 24 hours, with registered mortgage settlements generally completed in 5 to 10 business days.
Are these facilities NCCP regulated?
No. Envision Private arranges business and investment purpose loans only and 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.