Specialised credit assessment
Brokers know which lender fits which scenario, including ours. They can spot the structural fit before you waste time on a decline.
For borrowers
Discuss your business funding requirements
Contact our team to discuss the submission process.
Working with a broker
Better for the deal, better for you.
Better outcome for you
A broker negotiates structure, not just rate, LVR, term, conditions, exit. Bank-direct doesn't get you that.
Faster path
Our broker partners have direct lines to BDMs.
Three borrowers we fund
Where the bank model doesn't fit.
01
The bridging-and-out borrower
Settlement window. Asset under contract for sale. Bank can't unconditional in time.
What we'd ask
Settlement date, evidence the exit asset is under contract, conduct on existing facility.
Typical structure
Bridging facility, 1-9 months, 65-70% LVR, interest capitalised. Exit on the sale settlement.
02
The bank-decline borrower
Healthy deal, recently self-employed, or unusual income mix. Bank policy says no; commercial reality says yes.
What we'd ask
Last 12 months of income evidence, clean conduct, a documented exit (refi, sale, or stabilised income).
Typical structure
First mortgage, 6-24 months, 60-70% LVR, interest serviced. Exit to bank refi at 12-18 months.
03
The complex-security borrower
Mixed-use, partially tenanted, multiple titles, or specialist asset class.
What we'd ask
Title structure, lease/tenant detail, recent comparable sales, and a credible valuer.
Typical structure
First or second mortgage, structure shaped to the security.
How it works
Three steps.
01
Your broker submits the scenario.
Pasted into our credit team in plain language, no 14-page application form upfront.
02
We respond with indicative terms.
Indicative terms are preliminary and are not credit approval or a commitment to lend. Final terms depend on credit assessment, valuation, due diligence, funding availability and documentation.
03
Settlement.
Settlement timing depends on the application, valuation, due diligence, funding availability and completion of documentation. Tell us about any contractual deadline when you submit your enquiry.
Find a broker
We'll match you to a broker who covers your postcode.
If you'd rather speak to our team first, we're on 02 8064 9608.
Indicative terms are preliminary and are not credit approval or a commitment to lend. Final terms depend on credit assessment, valuation, due diligence, funding availability and documentation.
Settlement timing depends on the application, valuation, due diligence, funding availability and completion of documentation. Tell us about any contractual deadline when you submit your enquiry.
Finance is subject to assessment and approval. Interest, fees and other costs apply. Failure to meet your obligations may result in enforcement against the security and action against any guarantor.
Borrower FAQ
The questions borrowers ask us.
Different from broker FAQs, these are the ones a borrower reading their broker's recommendation actually has on their mind.
How fast can you actually settle?
Settlement timing depends on the application, valuation, due diligence, funding availability and completion of documentation. Tell us about any contractual deadline when you submit your enquiry.
What's your maximum LVR?
The available loan amount depends on the security, valuation, existing debt, proposed use of funds and credit assessment.
Will you take ATO debt?
Provide details of the tax debt and any payment arrangement with your enquiry. Its treatment must be assessed for the transaction; no approval is implied.
I don't have a broker, what now?
Use the form above and we'll match you to one of our broker partners covering your postcode.
What happens if my broker doesn't know Archer?
Tell them to call us, and we'll work the deal directly with them.
Contact our team to discuss the submission process. Internal complaints can be raised in writing to enquiries@archer-wealth.com.
Archer Wealth Pty Ltd · ABN 15 648 609 876 · CAR 1291674 of Archer Wealth Capital Pty Ltd · AFSL 548263
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