Structured Commercial Credit & Funding Solutions
Access to structured commercial credit is a key driver for business expansion, corporate M&A transactions, and project development. However, securing high-value commercial facilities in Australia requires a professional, detailed credit submission that presents your business case in a language lenders understand. At Executive Advisors, our Commercial Credit desk designs and negotiates custom funding packages from our office in Fortitude Valley, Brisbane, connecting your entities with leading Australian banks and non-bank commercial lenders.
We work as independent credit advisors, not transaction brokers. We analyze your corporate balance sheets, debt service capacity, and security assets to structure facilities that align with your cash flow profiles. By managing the negotiation process across multiple lending panels, we secure competitive interest rates, flexible covenant terms, and optimal leverage limits for our clients.
"Commercial credit is not just a liability; it is a strategic tool to optimize capital return. Properly structured debt accelerates growth while protecting operational cash flows."
Core Commercial Credit Facilities
We design and procure commercial credit structures tailored to your specific corporate needs, asset classes, and growth horizons.
Corporate Term Loans & Acquisition Debt
We structure term loans to fund corporate acquisitions, management buy-outs (MBOs), or capital asset expansion. We align the amortization schedules with post-acquisition synergy timelines and negotiate flexible debt covenants (such as Interest Cover and Debt-to-EBITDA ratios) to support business transition phases.
Working Capital & Overdraft Facilities
To manage operational cash flow cycles and trade accounts, we establish secured and unsecured working capital lines. This includes revolving overdrafts and debtor finance facilities, allowing you to unlock cash from outstanding invoices to fund daily operations and inventory acquisitions.
Trade & Supply Chain Finance
For businesses engaged in import/export or domestic distribution, we structure Letters of Credit, Bank Guarantees, and Trade Credit facilities. These instruments provide payment guarantees to global suppliers, securing supply chains and optimizing trade terms.
Equipment Finance & Asset Leasing
We structure tax-effective leasing solutions for fleet acquisitions, manufacturing machinery, and technology infrastructure. Using Chattel Mortgages, Finance Leases, or Operating Leases, we ensure asset payments match depreciation rates and tax deduction windows.
Commercial Debt Classification
The structure of your commercial credit depends on the nature of the security assets, cash flow stability, and loan purposes.
| Facility Category | Typical LVR Limits | Repayment Structures | Security Requirements | Primary Corporate Use |
|---|---|---|---|---|
| Cash Flow Finance | 30% to 50% of EBITDA. | Principal & Interest; amortizing over 3-5 years. | General Security Agreement (GSA) over company assets. | Corporate acquisitions, partner buyouts, intangible growth. |
| Asset-Based Lending | 70% to 80% of asset value. | Revolving lines or structured lease payments. | Specific security over plant, equipment, or debtors. | Equipment acquisition, inventory funding, working capital. |
| Commercial Property Debt | 60% to 70% of valuation. | Interest-Only options; 5-15 year terms. | Registered first mortgage over commercial property. | Office, warehouse, or retail site acquisitions; SMSF property buy. |
| Development Finance | 60% to 70% of GRV. | Capitalized interest; repaid from project sales/settlement. | First mortgage over development site; tripartite builder agreements. | Real estate construction, infrastructure developments. |