Settled: Successful $5M Developer Finance Case Study

Client Background

Our client is a seasoned property developer with a strong history of completing high-end property projects. But even experienced developers can face periods of financial strain due to delayed settlements, rising costs, or unforeseen market pressures. In this instance, the client agreed with the ATO and State Revenue that he could accrue tax obligations and maintain cash flows to complete. They agreed, which is the sign of a developer who’s developed a strong reputation over time.

This scenario is not uncommon in the property development industry. Developers often juggle multiple projects, each with unique timelines and financing arrangements. When delays occur, short-term cash flow challenges arise, and obligations like taxes and rates can accumulate quickly and negatively affect credit scores. Even asset-rich clients can find themselves in a position where traditional bank financing is not immediately accessible.

Loan Summary

• Loan Amount: $5,000,000

• Term: 12 months

• Security: Mixed 1st and 2nd mortgages

• Assets: Residential and commercial properties

The Challenge

The client’s financial situation was complex, with several critical obligations that required immediate attention:

• Accumulated ATO debts and land tax obligations

• Outstanding council rates

• Multiple short-term unsecured non-bank loans

Combined, these factors created barriers to securing traditional bank refinancing. A simple loan solution was insufficient; the client required a strategic, multi-step approach to resolve existing obligations while creating a pathway to sustainable long-term financing.

Time was a critical factor. Delays in addressing these obligations could have compounded interest and penalties, further constraining the client’s ability to refinance. In such cases, speed and precision are as important as the size of the facility.

The Solution

Recognising the need for a tailored solution, the client’s broker, Brett Martin, Managing Director and Senior Credit Advisor at TLR Finance, partnered with Semper to structure a solution that addressed immediate challenges while enabling a clear pathway to traditional lending.

The finance arrangement included:

• Settlement of all ATO debts, land tax, and outstanding council rates – clearing liabilities to maintain the client’s financial standing.

• Repayment of short-term unsecured non-bank loans – removing complicating factors that could hinder future lending.

• Positioning for refinance with the client’s primary bank – establishing a clear, sustainable long-term financing option.

The facility was carefully structured to accommodate a mixed portfolio of residential and commercial properties, ensuring flexibility for the client and alignment with their longer-term business strategy.

The Outcome

This structured approach delivered a $5,000,000 facility under tight timelines, providing immediate liquidity and ensuring that obligations were met promptly. By clearing tax and rate debts and settling unsecured loans, the client could approach their bank with a clean, well-structured position for refinancing.

This case highlights the importance of custom solutions in commercial lending. Complex financial scenarios require more than a standard loan product—they demand strategic planning, collaboration, and lenders who can navigate both time-sensitive and multifaceted challenges.

Insights for Brokers

Not every broker has experience in complex commercial finance. Partnering with experts like Brett Martin ensures clients receive the right solutions efficiently and that brokers are rewarded appropriately for introductions.

Brokers play a critical role in identifying client needs, especially when standard lending options are insufficient. A collaborative approach allows brokers to leverage specialized lending expertise without taking on unnecessary risk, while ensuring clients receive comprehensive support tailored to their circumstances.

This case also underscores the value of proactive communication. Brokers who engage early with lenders can identify obstacles and develop solutions before clients face cash flow crises, improving outcomes for all parties.

Partner With Semper

At Semper, we focus on helping brokers and clients navigate complex, time-sensitive financing challenges. Our experience includes situations involving:

• Accrued ATO debts

• Land tax and council obligations

• Short-term unsecured loans

• Delayed settlements or other urgent financing needs

We work closely with brokers to provide strategic solutions, clear pathways back to traditional lending, and peace of mind for clients facing financial complexity.

Partner With an Expert Broker

For tailored solutions to complex developer finance challenges, collaborate with experienced brokers and lenders:

• Brett Martin, Managing Director & Senior Credit Advisor, TLR Finance

• Phone: 0400 510 739

• Email: Brett@tlrfinance.com.au

By working with seasoned brokers, clients can access financing solutions that resolve immediate obligations and create a clear pathway to long-term success.

Call Semper today to discuss your scenario directly with a credit decision-maker and explore strategic financing options.