Commercial Loan Types

AFWM delivers the most effective property funding solutions from simple residential loans to commercial property investments to complex multistage constructions projects. The combination of our unique funding lines, business scale, skilled people and innovative products has made AFWM a market leader in the commercial property finance sector.

The mezzanine debt sector is possibly the fastest growing, most dynamic market in the finance industry today. With the range of mezzanine debt available as diverse as the rates and fees charged, the very latest information is essential in securing the best deal.

From second mortgage loans to sophisticated, senior-subordinated structured finance transactions, AFWM’s knowledge of the mezzanine and structured debt sector is second-to-none. Through our daily involvement in these markets we are able to assist our clients to take advantage of the wide arbitrage that exists between investors in this sector.

AFWM provides mezzanine and structured debt funding for existing properties as well as for construction and development opportunities.

Mezzanine structures may also be used to assist investors to acquire existing properties for either investment purposes or where “value-add” opportunities are available. Value-add may arise from enhancing the cash flow of an investment property by re-structuring the tenancy profile, or by the letting up of partially vacant tenancies. A well-planned mezzanine facility produces an increased return to the developer and allows them to preserve equity.

AFWM’s undisputed expertise in lending changes the ways developers do business in the property world.

It’s inevitable. Property is an ever-evolving market. As any developer knows, rapidly changing marketplace conditions can have a dramatic effect on project profitability, so it makes smart business sense to deal with a financier who commands the widest knowledge of financial expertise in the country. Our level of expertise is challenged yet we ensure a high level of success. We believe in a can do attitude and love a challenge.

From straightforward ‘walk up’ residential projects to multi-million dollar office and retail developments, AFWM is incessantly active in lending for a vast array of commercial, industrial, retail and residential projects.

The range of products available includes:

• Land-bank finance with interest capitalised or paid monthly.
• Site acquisition against valuations uplifted by rezoning/planning approvals.
• Progressively drawn construction finance for developer builders or for developers outsourcing construction and covering budgeted construction, construction contingency, project management, consultants costs and holding costs, interest capitalised during construction and the budgetsell down
• Structured finance solutions to increase gearing up to as high as85% of project costs to improve return on equity, release equity to the developer, access higher value projects or provide bridging finance across multiple assets.
• Take-out/recapitalisation of development residual stock to clear construction

Raising equity for projects can be a complex matter. AFWM takes pride in assisting clients out of this process with a straightforward approach.

The good news is that AFWM understands these complex matters, and provides a service to uncomplicate and address equity issues. We believe that equity offers should be sought from multiple sources for each project to allow clients the widest choice available.

AFWM sits in a unique position with both the institutional and private equity markets in easy reach and so has the ability to generate equity from an extensive range of sources. This wide reach of equity opportunities combined with in-depth knowledge of market participants ensures the broadest selection of financial options for our clients.

Structured Finance can be likened to the captain of a ship. Rather than have non-related individual funding tranches (senior debt, mezzanine debt, equity) competing on terms AFWM is ideally positioned to coordinate each lender through a single term sheet and facility manager.   The saving on time and legal cost is obvious. Less obvious at first but ultimately more important is the alignment of lenders and the explicit agreement on how they interact is critical to the delivery of effective and timely funding outcomes.   AFWM’s ability to stand in the market as an intermediary between the borrower and multiple lenders on a single transaction has ensured the interest of the borrower is protected and transactions are not defeated by poor coordination or a doubling up of costs.    The lead times for structured finance are longer than for individual lender negotiations but the benefits outweigh the requirement for such in depth preparation.

Asset finance is all about diversity – every situation requires an individual solution.  Our Asset Finance division has a trusted reputation with lenders for the quality we produce. We can assist you with specialist support and finding tailored funding solutions for any situation, including equipment and motor vehicles

At AFWM, our lender panel includes a range of finance facilities such as offer to hire, chattel mortgage, finance lease, novated lease, and rental agreement and consumer loans.

Our clients have the freedom to choose from our range of lenders so that you have access to a diverse range of funding solutions including:

• Business and consumer car finance
• Asset finance for a broad base of business and production equipment
• Insurance premium funding
• Computer hardware and software funding, and rental agreements
• Office equipment funding and rental agreements
• Small ticket item finance starting from as little as $2,000 on broad based assets