The Non-Bank Space is Pulling Together!
Semper invites introducers that currently manage investor’s funds to participate in a community and share risk. Non-Bank Space
Commission Trails & White Label Partnerships
Semper announces the introduction of Commission Trails for introducers with loan volumes over $2m/qtr, and ‘White Label’ options for higher volume introducers. trail opportunity Introducers who provide regular volumes of successful loan introductions to Semper may now benefit from trail margins, in addition to the normal 1-2% upfront fees paid at draw-down. Introducers who settle […]
Speed: Another benefit of non-bank lending
Semper was able to close the loan in four days with no valuation, as we knew the anticipated value of the listed property. A simple loan application and a simple solution. Snapshot Borrower Rate % 9.75% LVR % 70% Loan $ $1,800,000 State VIC Property Type Residential speed When speed and convenience matter, rates take second […]
Flexibility: The benefit of non-bank lending
Semper allowed the LVR to be exceeded, on the condition that the borrower make principal repayments during the term of the loan, to the value of the LVR extension. The borrower was able to service 4% per month, paid quarterly in line with their seasonal income. Snapshot Borrower Rate % 9.99% LVR % 74% Loan […]
Covid pain starts to smart in Victoria
Bank mortgagees will rarely participate in a DOCA: more likely to simply take possession. Semper can refinance defaulted bank debt with interest capitalised, releasing the borrower from repayments while they get their affairs in order, and simultaneously settle ATO debt and deferred rent.
Residual Stock Finance
Developer completed a development with bank funding that had come to the end of its term. Semper funded residual stock allowing them to commence their next development.
Finance Under Option
Borrower in External Admin & ATO debt was selling to developer, but their bank wanted them out. Semper quickly refinanced, then post-settlement negotiated terms of the Call Option with the developer to mutual satisfaction.
Partner Buy-Out With Tax Debt
The borrower sought a loan to buy-out a business partner, however was carrying several large ATO debts. Read more to find out how we helped him.
The Benefits of Fixed Income
One of the key benefits of fixed income investments, such as those provided by Semper Securities, is being able to establish a target sum of monthly income.
Semper’s Secured Notes are mortgage-secured, asset-backed and allow investors to choose investments with asset coverage multiples (“loan to value ratio”, or LVR) and terms that suit their cash-flow needs.
Functional Economics – Non-Bank Lenders Perspectives
Sometimes it is not what you say but how you say it! Received an application for finance requesting $7 million in loans for rural, agricultural land. Growing fruit in a depressed market and with a big four Bank literally “selling the farm”. Find out how.
When Apples aren’t Apples
Sometimes it is not what you say but how you say it! Received an application for finance requesting $7 million in loans for rural, agricultural land. Growing fruit in a depressed market and with a big four Bank literally “selling the farm”. Find out how.
Opportunity Taker (Money Maker) panel event
Get insights from leading commercial brokers, asset finance, working capital, and structured finance specialists about: The macro-economic factors that have created the new ‘playing field’ for ‘opportunity takers’ Situations, sectors, and scenarios to have on your radar Practical strategies to grow your commercial offering and convert more deals Top tips to get ahead in commercial […]
