Commercial finance rewards structure and punishes its absence. Terms are shorter, reviews are real, covenants have teeth, and security often runs across more than one entity. A facility that looked fine at settlement can become the thing that constrains you at the next review if it was arranged for the purchase in front of you rather than the position you are building. The rate matters. The structure around it matters more.
What we structure
We arrange and structure lending for commercial property and business assets: owner-occupied premises, commercial investment property, and the facilities that sit behind a trading business. The work is in how it is assembled — which entity holds the debt, what secures it, how covenants and review dates are negotiated, and how this facility leaves room for the next. Across your borrowing as a whole, the aim is a structure that reads as one deliberate design, not a series of separate approvals stitched together after the fact.
Built to survive the cycle
Commercial conditions move. Rates reprice, valuations shift, lenders change appetite. We structure facilities to hold up when they do — sensible buffers, security arranged so one asset's trouble is not every asset's trouble, and review points you can actually meet. We work across the bank and specialist commercial lender market and match each deal to the policy that fits it, rather than bending the deal to a single lender's box.
Our register
AeFin provides credit assistance and structuring — general information, not personal financial product advice. We work alongside your accountant and advisers on tax and suitability. What we bring is the credit architecture: commercial debt organised to serve the position you are building, and to keep serving it through the cycle.
General information only — not personal financial product or credit advice. AeFin is an Australian Credit Representative (CR 464548) of Finsure (ACL 384704).