Asset

$1.1m excavator and attachments for a civil contractor working across government and tier-1 projects.

Problem
Income was lumpy and milestone-based, while standard asset finance repayments assumed smooth monthly cashflow. A conventional amortising loan would have created cash stress between project drawdowns.

Our Analysis

• Reviewed contract payment cycles vs repayment profile

• Assessed lender tolerance for seasonal and project-based income

• Modelled repayment stress during low-activity months

Solution
Structured funding with:

• Lower initial repayments

• Seasonal cashflow alignment

• Residual structured around project pipeline, not asset life

Result
The business scaled equipment capacity without cashflow compression during inactive periods.

Asset
$480,000 diagnostic imaging equipment for a new specialist practice.

Problem
Revenue ramp-up lagged equipment installation by several months due to:

• Practitioner onboarding

• Referral network build

• Medicare billing cycles

Standard equipment finance assumed immediate full utilisation, creating early repayment risk.

Our Analysis

• Mapped revenue ramp against repayment profile

• Assessed asset resale risk vs lender comfort

• Evaluated tax treatment and GST timing

Solution
Structured:

• Deferred principal period

• Lower early repayments during ramp-up

• Repayment step-up aligned to expected utilisation

Result
The practice avoided early cashflow strain and stabilised operations before full debt service kicked in.

Asset
$680,000 CNC manufacturing machinery upgrade.

Problem
The business was concurrently negotiating a commercial property refinance. Ownership-based funding would have:

• Increased reported leverage

• Reduced serviceability

• Weakened lender appetite on the property deal

Our Analysis

• Assessed how lenders treat AASB 16 lease liabilities vs funded debt

• Identified risk of “crowding out” property borrowing capacity

• Modelled combined debt metrics under different structures

Solution
Recommended a lease-based structure assessed by lenders as an operating commitment rather than ownership debt, preserving balance-sheet flexibility during the refinance.

Result
Machinery upgraded without compromising property funding negotiations.

Asset
$750,000 refrigerated transport equipment (prime movers + refrigerated trailers).

Problem
Residual values on specialised transport assets are:

• Highly sensitive to usage

• Dependent on maintenance history

• Volatile at refinance or exit

An aggressive residual would lower repayments short term but create balloon risk later.

Our Analysis

• Stress-tested residual assumptions

• Assessed secondary-market liquidity

• Considered refinance and disposal scenarios

Solution
Structured funding with:

• Conservative residual aligned to realistic resale value

• Term matching asset fatigue profile

• Clear exit strategy at maturity

Result
Lower long-term risk and no forced refinance pressure at end of term.