Solutions to Complex Problems

simple solutions to complex problems

Semper has a history of providing structured solutions for complex situations which do not suit bank funding.

One example is a $10,000,000 loan over metro residential properties under an acquisition Option with a major developer, where the Option is secured by way of a registered mortgage. What made this loan workable from Semper’s point of view was the fact the property included fully completed residences offering considerable holding income.

The applicants had attempted to secure bank funding for a low LVR loan over the property, but despite positive promises it was clear the bank had struggled to accumulate the positive internal support necessary to say ‘Yes’. The lengthy bank application process’ never resulted in a ‘yes’ and they found themselves in default with the existing lender when the loan term expired. This threatened to put the Option Agreement at risk.

The first task for Semper was to provide immediate surety to the applicant, the Option holder, and the exiting lender. This was only possible because Semper has the knowledge necessary to provide finance under a Deed of Priority with the Option-holder – enabling them to take actions on the land necessary to progress town planning changes – while protecting the applicant’s and Semper’s interests against any reduction in value that might occur to the security property in the process.

Fortunately, in this case Semper had prior experience with the developer (one of Australia’s largest property speculators) so it was a relatively straightforward process.

Simple, speedy solutions to complex cases are what borrowers should expect from an experienced private credit provider like Semper.


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.


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
Semper Secured