Every transaction has a story behind it. Capspace works with brokers and business borrowers to understand the objective, identify the key risks and structure funding around the opportunity. From business-purpose refinances to complex multi-property acquisitions, our approach is practical, responsive and tailored to the deal.
Sydney metropolitan area
| Loan amount | $3.075 million |
| Purpose | Refinance of business debt and equity release for business purposes |
| Security | First mortgage over property supporting a business-purpose facility |
| LVR | 70% |
| Repayments | Interest capitalised |
| Exit strategy | Defined short-term repayment or refinance pathway |
The opportunity
A business borrower had substantial equity available in property but needed a funding solution that better matched its immediate objectives. The priority was clear: refinance existing business debt, release additional capital for business purposes and create the flexibility to progress its broader strategy.
The Capspace solution
Capspace looked beyond the security in isolation and focused on what the borrower was trying to achieve. Our team structured a short-term business facility that refinanced the existing debt and released additional capital, with terms aligned to the borrower’s timeframe and intended exit. The facility was supported by a first mortgage, General Security Agreement and personal guarantee.
The outcome
The business secured the refinance and gained access to additional capital through a practical structure tailored to the transaction. The result was greater flexibility, a defined short-term pathway and the certainty to progress its business objectives.
WHY CAPSPACE?
We focus on the objective behind the loan, then structure business-purpose funding around the transaction, timeframe and intended exit.
Inner-city Sydney
| Loan amount | $2.079 million |
| Purpose | Acquisition and repositioning of multiple strata units for an accommodation business |
| Security | Multiple property securities |
| LVR | 70% |
| Repayments | Interest only, with an initial capitalised period |
| Exit strategy | Refinance following leasing and portfolio stabilisation |
The opportunity
An experienced property investor identified a rare opportunity to acquire multiple strata units within the same inner-city complex. Bringing the properties together created a stronger portfolio opportunity, but the transaction required a lender comfortable assessing multiple securities as one connected strategy.
The Capspace solution
Rather than assessing each property in isolation, Capspace considered the portfolio as a whole. Our team worked through the acquisition structure, proposed leasing pathway and refinance exit, then structured funding across multiple securities to support the broader business objective.
The outcome
The investor completed the portfolio acquisition and progressed its post-settlement repositioning strategy. With a pathway to prepare and lease the units before refinancing the stabilised portfolio, the facility provided the flexibility needed to turn a multi-property opportunity into a cohesive investment strategy.
WHY CAPSPACE?
When an opportunity spans multiple properties, we assess how the pieces work together and structure the facility around the broader transaction strategy.
Inner-city Sydney
| Loan amount | $5 million |
| Purpose | Multi-property acquisition and repositioning for business purposes |
| Security | Multiple property titles |
| LVR | 70% |
| Repayments | Interest only |
| Exit strategy | Refinance following leasing and portfolio stabilisation |
The commercial challenge
This was not a standard property transaction. It involved multiple titles, a specialist accommodation use, detailed leasing assumptions and a clearly defined bank refinance exit. The challenge was to bring those moving parts together in a structure that remained well considered and aligned with the borrower’s longer-term strategy.
The Capspace approach
Capspace took an end-to-end view of the opportunity. Our team considered the borrower’s experience, the business purpose of the acquisition, the leasing strategy and the pathway to a stabilised portfolio. The facility was structured around the acquisition and proposed refinance rather than forcing the transaction into a standard lending template.
The outcome
The facility bridged the gap between acquisition and longer-term business finance. It allowed the borrower to secure the properties, progress the broader portfolio strategy and work toward a stabilised, income-producing asset base with a defined refinance pathway.
WHY CAPSPACE?
We combine practical thinking with a clear view of risk, helping brokers and business borrowers navigate transactions that require more than a standard lending response.