Commercial Finance Tender – Strategic Funding & Refinancing
Posted on 3 December 2025
What was the situation?
A 100-year-plus family business operating in the commercial sector with over 200 franchise sites nationally held multiple existing commercial and corporate facilities totaling approximately $23 million. The group needed to fund the acquisition of new office premises and optimise their capital structure while addressing operational inefficiencies.
What did HTL Private Office do?
- Managed a competitive tender process with major Australian Banks.
- Worked with the client’s advisors to deliver a tax-effective and cost-effective solution.
- Structured facilities to fund the office acquisition and future growth while maintaining operational flexibility.
- Delivered restructured facilities with interest-only terms and cross-collateralised security arrangements.
- Recommended the preferred lender based on lowest cost, favourable covenants, and minimal ongoing reporting.
What were the solutions?
- Office acquisition funding: 100% coverage, structured LVR (~85%)
- Commercial refinancing: Interest-only, optimised rates, flexible repayment
- Corporate credit card facility: Enhances operational efficiency and liquidity
What was the outcome?
- Achieved unencumbered commercial assets outside the banks’ security pool.
- Funded 100% of the new office purchase with structured LVR.
- Secured competitive interest rates, delivering annual savings of $138,000.
- Enabled operational efficiency via direct corporate credit card facility.
- Provided flexibility and strategic capacity for future growth, acquisitions, and expansion.
Why HTL Private Office?
- Delivered a coordinated, strategic funding solution across commercial facilities.
- Combined competitive tendering with operational and financial optimisation.
- Allowed the client to focus on business growth while managing debt efficiently.
