happy new year!
In 2023 Semper recorded another perfect record of lending and investment management with all loans paying to contract and settling according to loan term. There were zero losses and over 30% of all loans paid out prior to term.
As we head into 2024, we would like to thank all our supporters, investors, warehouse providers, introducers and suppliers. We wish you all a successful year ahead.
For the $3,000,000 to $10,000,000 commercial term loans of 3-36 months, our rates are still hard to beat. Our indicative terms can be found here but these are flexible, so please give us a call at 1800 736 737 to discuss any potential scenario.
Here are three examples of recently successful applications:
| NSW Sutherland Shire | |
|---|---|
| Loan Sum | $3.6m as 1st & 2nd mortgages |
| Rate | Blended rate of 11.50% p.a. |
| Term | 12 months with 9 months prepaid |
| LVR | 70% |
| Security | Residential and commercial properties |
| Loan Purpose | Refinance a more expensive, expiring, short-term loan |
| Melbourne Metro | |
|---|---|
| Loan Sum | $10.25m 1st mortgage |
| Rate | 10.75% p.a. |
| Term | 12 months with interest prepaid |
| LVR | 60% |
| Security | Commercial property |
| Loan Purpose | To fund pre-development approvals |
| Sydney Residual Stock | |
|---|---|
| Loan Sum | $9.25m as 1st & 2nd mortgages |
| Rate | Blended rate of 11.75% p.a. |
| Term | 12 months with 6 months prepaid |
| LVR | 72.5% |
| Security | Residual stock (residential) |
| Loan Purpose | Refinance pending sale |
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
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
CAPITALISING ON AN UNEXPECTED OPPORTUNITY
- 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
