Speed: Another benefit of non-bank lending

Speedy settlements

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.


Borrower Rate % 9.75%
LVR % 70%
Loan $ $1,800,000
State VIC
Property Type Residential
Speedy settlement


When speed and convenience matter, rates take second place. A recent wealthy client with multiple businesses and properties came to us for urgent funding. 

He had intended for the sale of one of his commercial properties to fund the completion of a large luxury rural-residential dwelling, however, the sale had stretched to a long settlement. Funds were required immediately so that the builders would remain on site to finish the job.


Semper was able to close the loan in four days with no valuation, using private family office funds. 

We knew the anticipated value of the commercial premises (as confirmed by the sales agent). We knew the total sum invested in the luxury rural residence. The property was held in a trust with a corporate trustee, so it was a clean lending structure. A simple loan application and a simple solution. 

The decision to lend was made in ten minutes, having received the six key pieces of information:

  1. Loan sum
  2. Use of funds
  3. Details of security (description and value)
  4. The borrower’s ability to service
  5. Term required
  6. Proposed Exit

Legal documents went out the quickly, and the loan would have settled sooner, except for the fact that the client didn’t want to sign documents on Friday 13th!

take away

Speed is not not the only benefit offered by Semper:

  • Where the borrower is unable to service interest for a period, we are able to capitalise the interest and fees into the loan sum.
  • Where exit is via sale, Semper can consider higher LVR exposures pending sale where there is certainty of outcome.
  • For small businesses seeking a capital stack on P&E or invoice discounting facilities, we can offer a PPSR Lite approach, with limited or subordinated commercial and/or personal guarantees.

Semper offer flexibility, speed and certainty. Contact us to find out how we can help.


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