We assess and manage property finance across active private credit mandates and funding lines — delivering senior debt, subordinate debt and equity solutions Australia-wide.
Who We Help
However you come to us, your scenario lands on the same structuring desk and follows the same process.
Submit scenarios with full deal protection. Your client stays yours, your brokerage stays whole.
Go to Brokers pageCapital for the full project lifecycle — site acquisition, construction, through to residual stock.
Go to Developers pageDirect access to private credit when banks can't move at your speed.
Go to Borrowers pageQualified origination flow, structured and packaged to your mandate.
Go to Capital Partners pageProperty Finance Solutions
Whichever door you came through, it starts with the asset. Select a category to see indicative parameters and how we assess it.
Income-backed senior loans for stabilised investment assets
Position
Senior 1st mortgage
Max LVR
75%
Loan size
Up to $10m
Term
IO up to 5 years
Predictable capital for stabilised, income-producing assets.
Parameters are indicative of typical funding-partner appetite only. All facilities are subject to lender assessment and approval.
How It Works
Every transaction follows the same disciplined process, from initial scenario assessment through credit, due diligence and settlement, with one accountable team managing every stage.
Send us the scenario, including the security, funding requirement, purpose and proposed exit. Our credit team will confirm receipt and any initial information required.
We assess the transaction against our active private credit mandates and funding lines, determine the appropriate capital structure and confirm the most viable credit pathway.
We manage the formal credit process, complete the required risk assessment and due diligence, and issue or coordinate approval with clear terms and conditions.
We coordinate valuation, legal documentation and approval conditions through to settlement, providing one accountable point of contact throughout execution.
Execution Model
The structure step decides the route. Clean deals move on rules, fast. Complex deals get worked by hand.
Path 01
Through our automated Get360 platform, clean deals receive immediate assessment and clear execution timelines.
Clear security position
First mortgage or well-defined ranking
Defined exit strategy
Sale, refinance, or completion event
Time-sensitive requirement
Settlement pressure or opportunity cost
Standard parameters
Fits established credit criteria
Path 02
Complex transactions receive hands-on credit structuring, capital strategy, and tailored execution through our advisory team.
Construction or development risk
Multi-stage delivery, builder dependency
Complex security structures
Multiple assets, cross-collateralisation
Capital stack design
Mezzanine, JV equity, multi-tranche
Sponsor or covenant issues
Track record gaps, credit impairments
The Difference
We do more than originate opportunities. We make and manage credit decisions within aligned mandates, structure the complete capital solution and take responsibility for execution.
Within agreed mandates, we assess, condition and progress transactions without unnecessary handoffs or repeated credit reviews.
We own the assessment, risk position, capital structure and approval conditions required to progress each transaction.
We structure senior debt, subordinate debt and equity together, solving the complete funding requirement through one submission.
We direct due diligence, valuation, legal documentation and approval conditions, remaining accountable through to settlement.
Proof, Not Promises
Structured funding outcomes across private credit, bridging, commercial, land, construction, residual stock, and development finance.
GS Financial Group works with brokers, borrowers, developers, and capital partners to structure practical funding solutions across complex, time-sensitive, and non-bank lending scenarios. From short-term private credit and bridging finance to land acquisition, construction funding, residual stock, commercial refinance, and portfolio restructuring, our role is to identify the right capital pathway and deliver certainty of execution.
Short-term private credit facility structured to refinance existing debt and provide working capital flexibility where a traditional lender pathway was not suitable.
Bridging facility arranged to assist with settlement timing, allowing the acquisition to proceed while the existing property sale process was completed.
Refinance solution structured against a long-held commercial asset with established tenant history and a clear refinance pathway.
Acquisition funding structured against a DA-approved residential development site, with assessment focused on underlying land value, highest and best use, and future development potential.
Construction funding solution for a boutique townhouse project, structured around total development cost, valuation uplift, staged drawdowns, and sell-down exit.
Development finance facility structured for a multi-unit residential project requiring staged construction funding, cost-to-complete analysis, QS review, and clear project delivery.
Short-term land facility structured against residential land security, providing the borrower with time to progress their development, refinance, or sale strategy.
Residual stock facility structured against completed residential dwellings, allowing the borrower time to sell remaining stock in an orderly manner.
Portfolio refinance structured across multiple residential, commercial, and rural-residential securities to consolidate debt and support an orderly asset sale program.
Facility structured against rural-residential security where the exit strategy relied on either refinance or planned divestment of the underlying asset.
Private credit facility structured to release equity for business and investment purposes, supported by first mortgage security and a defined repayment strategy.
Junior debt facility arranged behind an existing senior lender to assist with project liquidity, settlement timing, or additional borrower capital requirements.
Commercial refinance structured for an SMSF borrower, secured against income-producing commercial property with assessment focused on lease profile, asset quality, and LVR.
Specialist refinance solution arranged where the borrower required a flexible credit assessment outside mainstream bank policy.
Whether you are seeking short-term private credit, bridging finance, land funding, construction finance, residual stock funding, or a commercial refinance, GS Financial Group can help structure the transaction and identify a suitable capital pathway.
In Their Words
I called at 4:30 on a Friday with a settlement falling over the following Wednesday. They had a pathway back to me that night and the deal settled on time. My client never knew how close it came.
What I value most is the honest no. When a deal doesn't fit, I hear it within 48 hours with the reasons why — not three weeks of silence while my client loses confidence in me.
They wrote the deal protection into an email before I'd even sent the file. Two years and eleven settlements later, they've never once gone around me. My brokerage arrives at settlement, every time.
I'd been told 'no' by two banks and a non-bank on a stalled project. They restructured it as completion capital, found the right lender in their panel, and the project reached OC four months later.
The difference is talking to someone who actually understands credit. I'm not explaining mezzanine structures to a BDM reading a script — I'm workshopping the deal with someone who's structured a hundred of them.
My client needed equity released against residual stock without discounting units to fire-sale prices. The facility was structured and settled inside three weeks. That client has since brought me two more developments.
Broker details withheld for privacy. Quotes reflect real engagement themes.
The Desk Behind the Deals
When you call with a scenario, you reach someone with credit and structuring experience — not a queue, not a chatbot, not a callback promise. The same person reads your file, workshops the structure with you, and stays on it through settlement. That's the whole model.
By the Numbers
The deals, the voices, and the people you've just seen — measured.
Funding Capacity
Across all products
Hours
Indicative Terms
Weeks
Average Turnaround
Months
Average Term
Our structuring team reviews every scenario against current funding-partner appetite and responds with an indicative pathway — typically within 24–48 hours. No obligation.