SHORT-TERM LENDING THAT STACKS UP

$100K – $20M | Term Loans | 1st Mortgages | 2nd Mortgages | Bridging Finance | Caveats

At some point, most clients could benefit from a quick cash injection. We are the go-to specialist for all your short-term lending opportunities:

Product/ description Commercial bridge Commercial term Caveat Lite
Assets Residential, commercial, industrial and land Residential, commercial, industrial and land
Security 1st mortgage 1st and 2nd mortgages 1st and 2nd charge positions
Term 1-6 months 1-60 months 1-24 months
Loan amount $250K-$20m $100K-$2m Up to $100K
Rate 11.95% p.a. From 8.99% p.a. From 15% p.a.
Features Fast draw down, flexible payment terms* Fast draw down, flexible payment terms* Line of credit-style facility

*Includes capitalised and/or pre-paid interest.

What you can expect from us:

  • Best-in-market rates
  • Referral fee paid up-front
  • Commissions paid at drawdown
  • Fast drawdown
  • Simple application process
  • Funding within 48 hours
  • Full back-end support
  • A seamless process with a personal account manager
  • Guaranteed compliance

WHERE SHORT-TERM LENDING IS A LIFESAVER

Short-term loans work when they address an immediate need, or fulfill an unexpected opportunity, to include:

Managing cash-flow challenges, such as:

  • Tax liabilities and ATO debt
  • Replacement finance or deleverage from a 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, such as:

  • Bridging the gap between sale and purchase (residential or commercial)
  • Rapid drawdown and equity release
  • Buying a business
  • Growing a business when capital is required upfront

THE PROCESS: 3 QUICK AND EASY STAGES

Stage 1

You provide us a quick brief:

  • Loan amount
  • 1st or 2nd mortgage?
  • Term required
  • Type and value of property security
  • Amount of existing loan
  • Exit

We provide a quick yes or no, and if a ‘yes’ we:

  • Send an application form
  • Provide an estimate of interest rate and costs
  • Provide a list of documents required

Stage 2

You:

  • Send back the completed application
  • Arrange for the payment of any fees
  • Send us the documents required

We:

  • Instruct a valuation (if required)
  • Dispatch legal documents to your client’s lawyer

Stage 3

We:

  • Conclude due diligence
  • Draw funds and pay your commissions

Contact Semper

Contact us now for a confidential assessment of your requirements. semper-phone-number

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