Looking back on 20 years of commercial lending
Launched as Commerce Credit in 2006, Semper celebrates 20 years as a private credit provider.
Our focus: delivering speed, certainty and transparency of pricing.
Semper’s sweet spot remains loan sums of between $5 million and $25 million where rapid decisions and competitive pricing can be expected.
Typical scenarios include:
- Opportunity funding: business acquisition, property purchase, settlement shortfalls or time-sensitive transactions
- Debt consolidation pending deleverage, including debt reduction, asset sale, pre-administration, DOCA or restructure scenarios
- Short-term bridge or term loans, generally 3 to 12 months, with a defined repayment pathway, typically ATO debt, SRO taxes, short-term cashflow, or funds pending sale or refinance
- First and second mortgages, with second mortgages from 12% p.a.
- Complex or time-critical funding, where speed and certainty matter
No hidden monthly fees, line fees or risk fees. Our rate card is available here: https://www.sempersecured.com.au/borrowing-terms-and-fees/
One of Semper’s strongest attributes is certainty of price. Rates quoted at the initial stage rarely change, and Semper can provide an indicative quote within 20 minutes where the following six key pieces of information are available:
- Loan sum required
- Property details, address and estimated value
- Mortgage position, first or second mortgage. If second mortgage, the amount owing to the first mortgagee
- Borrower details
- Use of funds
- Exit strategy and/or servicing capacity
In addition to the institutional investment traditionally associated with Semper funding, we have added stretched-risk funds for the following loan opportunities:
- Higher LVR transactions
- Non-metro security
- Rural residential property
- Hotels and motels
- Specialist asset-backed loans
Our message is simple: Send us the six key items above for a rapid, certain and reliable response.
After 20 years, Semper remains focused on the qualities that built the business: speed, certainty, transparent pricing, practical structuring and enduring support for the broker and introducer market.
Call the 1800 number below to speak directly to a decision maker.
Commercial lending
Semper is a leading non-bank lender specialising in property-secured loans to businesses in any industry with loan sums from $250K – $30M 1st and 2nd mortgages Australia-wide up to a maximum LVR of 80%.
Semper offers a wide range of flexible products tailored specifically for you. We specialise in all your short-term and bridging finance needs.
We don’t do loans the banks won’t, but assist when the banks can’t, usually due to timing or circumstance.
COMMON LOAN USES
Rapid property acquisition pending alternate finance;
Managing cash-flow challenges, such as:
- Tax liabilities and ATO debt
- Replacement finance or deleverage from an existing lender
- Pre-insolvency issues/ release from administration and turnaround
- Creditor payments
- Release of equity
- Debt refinancing
- Seasonal trends
- Business emergencies
- Bridging the gap between sale and purchase (residential or commercial)
- Rapid drawdown and equity release
- Buying a business
- Meeting the capital needs of a growing business
