LET US LIGHT THE WAY
Commercial Finance.
Strategically Structured.
You know what you're trying to achieve. We help you understand the finance structure that can help get you there.
- 50+ yrs
- Combined banking experience
- 60+
- Lender relationships
- All states
- Australia-wide advisory
- $0
- Cost for an initial conversation
Start with where you're trying to go.
What are you looking to achieve?
You know your journey, we help choose the path.
Grow
Expand your business, strengthen working capital or invest in what's next.
Acquire
Purchase a business, practice or franchise.
Invest
Purchase commercial property or grow an investment portfolio.
Develop
Fund development, construction or a commercial project.
Restructure
Review debt, refinance facilities or release equity.
Something complex?
For transactions that don't fit neatly into standard lending criteria.
Why Beacon
Finding finance is different from structuring finance.
Most conversations start with a product. Ours starts with the transaction. We take the time to understand the business, the assets, the cash flow, the existing facilities and the objectives — then we structure the finance and approach the lenders best positioned to support it.
- I
Understand the transaction
We start with the business, the assets, the cash flow, the existing facilities and what you are actually trying to achieve — before any product is mentioned.
- II
Structure the finance
Term, security, covenants, facility mix and serviceability are designed around the transaction, not retrofitted to a lender's template.
- III
Approach the right lenders
We present a considered credit position to the lenders most likely to support it — major banks, second-tier, non-bank and specialist funders.
Experience
Decades inside the rooms where credit decisions are made.
Beacon was built by bankers. We know how a credit submission is read, what a lender needs to see, and where a transaction is likely to stall.
Years combined banking & finance experience
Major bank, business banking and credit backgrounds.
Lenders
Majors, second-tier, non-bank and specialist funders.
Expertise
Property, business acquisition, development and complex credit.
The process
Start with where you're going.
- 01
Understand
Your objectives, business and constraints.
- 02
Assess
Financials, assets, facilities and serviceability.
- 03
Structure
The facility mix, security and terms that fit.
- 04
Identify
The lenders positioned to support the transaction.
- 05
Negotiate
Pricing, terms and credit conditions on your behalf.
- 06
Settle
Documentation, valuations and settlement coordination.
- 07
Review
Ongoing oversight as the business and market move.
Not sure where you sit?
Start a conversation
Commercial finance
Solutions for every stage.
Business Finance
Working capital, acquisition funding, cash flow and trade facilities.
Commercial Property
Investment and owner-occupier property across all asset classes.
Asset & Equipment
Plant, fleet and equipment acquisition structured to cash flow.
Specialist Structures
Development, bridging and transactions outside standard criteria.
Client scenarios
Real transactions.
Considered solutions.
Acquiring a complementary business while retaining working capital
- Challenge
- The transaction required more than simply funding the purchase price.
- Approach
- Beacon assessed the existing debt structure, acquisition funding requirements and working capital position before approaching lenders.
- Outcome
- A funding structure designed to complete the acquisition while protecting ongoing business liquidity.
Owner-occupier purchase of an industrial facility
- Challenge
- Deposit constrained by capital already committed to the business.
- Approach
- Presented a credit position leveraging the trading entity and existing property equity.
- Outcome
- Higher leverage than initially offered, with a fixed and variable split.
Consolidating legacy facilities across three entities
- Challenge
- Fragmented debt, overlapping securities and inconsistent pricing.
- Approach
- Rebuilt the group structure into a single facility set with clear covenants.
- Outcome
- Materially reduced cost of funds and released equity for the next project.
Insights
Commercial finance,
explained clearly.
Talk to Beacon
Let's talk about where you're going.
Tell us the objective. We'll tell you honestly whether we can help, and what a workable structure could look like.
Prefer to speak directly?