Help Clients Manage Business Cash Flow, ATO Debt, Creditor Pressure and Property-Secured Finance

Accountants are often the first advisers to identify when a client has a cash-flow problem, an approaching tax liability, creditor pressure, maturing private debt or a commercial opportunity that requires funding before a bank can respond.

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Assurity Capital works with accountants across Australia to assess eligible property-secured private lending scenarios for their business-owner, investor and developer clients. We consider finance where there is suitable Australian real-estate security, a genuine business, investment or commercial purpose, a clear funding requirement and a practical repayment or exit strategy.

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Assurity Capital considers first mortgages, second mortgages, bridging finance, secured business loans, private-loan and caveat refinance, business and investment debt consolidation, ATO and creditor payment finance, residual stock finance and urgent settlement scenarios from $50,000 to $5,000,000 and above, subject to assessment.

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This is non-consumer lending only. Assurity Capital does not provide consumer-purpose personal loans or owner-occupied home loans.

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Why Accountants Refer Private Lending Scenarios

Your client’s financial statements, BAS, tax position, cash-flow forecasts and debt profile often show an issue before it becomes an urgent lending problem. A private-lending referral may be relevant when a client has a defined business or investment requirement, property equity and a credible pathway to repay or refinance the loan.

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Private lending may be considered where bank timing, serviceability policy, documentation requirements or credit criteria do not fit the transaction. The focus is not merely on a client’s credit score or historical income. It is on the security property, total debt position, use of funds and a realistic exit strategy.

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Accountants may refer clients requiring:

• Business cash-flow and working-capital finance

• ATO debt or creditor payment funding

• Refinancing of maturing private loans, caveats or second mortgages

• Business and investment debt consolidation

• Bridging finance pending sale, settlement or refinance

• Business expansion, stock, supplier or acquisition funding

• Commercial property, investment or development finance

• Residual-stock finance for completed but unsold development property

• Equity release for a genuine business, investment or commercial purpose

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Every scenario is assessed individually. Finance is subject to acceptable security, lender criteria, fees, legal documentation and approval.

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Private Lending for Business Cash Flow and Working Capital

A profitable business can still face cash-flow pressure. Suppliers, wages, rent, tax and stock costs may fall due before customers pay invoices, a contract completes or seasonal revenue arrives.

Property-secured business finance may be considered for eligible clients who need capital for a defined working-capital requirement, such as:

• Stock and inventory purchases

• Supplier or contractor payments

• Wages, rent and operating expenses

• Seasonal funding requirements

• Equipment, fit-out or premises costs

• Contract and project funding

• Business expansion or new-location costs

• Short-term commercial funding pending an expected payment, sale or refinance

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The strongest cash-flow scenarios identify the exact gap, the amount required, the reason it has arisen and the source of repayment. A finance solution should not simply defer an unsustainable operating problem.

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ATO Debt Finance and Creditor Payment Loans

Accountants are frequently asked to help clients manage business tax liabilities, supplier debt, private-lender payouts or other urgent commercial obligations.

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Assurity Capital may consider property-secured finance for genuine business or investment-related ATO liabilities, creditor payments and debt restructuring. The facility can be used to pay identified eligible liabilities, subject to assessment of the property security, total debt position and exit strategy.

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For an ATO or creditor payment scenario, the client should have:

• A clear list of all liabilities to be paid

• Current ATO statements, creditor invoices or formal payout figures

• Details of payment deadlines and current arrangements

• A clear explanation of why the liability has arisen

• A plan to meet future tax and business obligations

• Suitable property security and available equity

• A realistic plan to repay, refinance or sell within the loan term

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Using finance to pay ATO debt or creditors does not eliminate debt. It replaces one liability with another property-secured loan. The client should understand the full cost, repayment obligations and risk to the security property.

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The ATO provides support and information for businesses experiencing financial difficulty, and clients should also consider whether they need tax, accounting, legal or insolvency advice alongside a finance solution. ATO support information

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Business and Investment Debt Consolidation

Business and investment debt consolidation combines eligible existing liabilities into one new property-secured facility. It may help a client simplify multiple repayment obligations, pay out maturing private loans or caveats, address eligible ATO and creditor debt, and create a clearer path to a sale or longer-term refinance.

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Debt consolidation may be considered for:

• Existing business loans

• Private lenders and caveat facilities

• First or second mortgage debt

• Commercial property finance

• ATO liabilities linked to a genuine business or investment purpose

• Creditor and supplier debts

• Development, residual-stock or bridging debt

• Eligible business and investment-related liabilities

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A consolidation facility should be supported by a complete debt schedule. This should identify every creditor, balance, payout amount, security interest, maturity date and payment deadline.

Debt consolidation does not necessarily reduce the total cost of debt. It may extend the repayment period, add fees and place property at risk. Clients should compare the full cost and obtain independent advice where appropriate.

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Private Loan and Caveat Refinance

Private loans, caveat loans and second mortgages are commonly short-term facilities. When a client’s expected sale, bank refinance, settlement or development exit is delayed, accountants may identify the need for a refinance before the current facility matures.

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Assurity Capital may consider a property-secured refinance for eligible clients with:

• A maturing private loan

• A caveat that needs to be paid out

• An expiring second mortgage

• Development or residual-stock debt approaching maturity

• A private lender requiring repayment before a sale or refinance completes

• A debt position that can be restructured around a credible final exit

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The client should obtain a current payout figure from the existing lender and provide all details of mortgages, caveats and other registered interests. A refinance is only useful where the new loan creates a realistic pathway to a final repayment—not merely another short-term delay.

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Bridging Finance for Property and Commercial Transactions

Bridging finance is short-term property-secured funding used to cover the gap between an immediate requirement and an expected repayment event.

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Accountants may encounter bridging scenarios where a client needs to:

• Complete a property or commercial settlement

• Purchase before another property sells

• Refinance an existing lender while a bank facility is being arranged

• Fund a business or investment opportunity before a planned sale

• Bridge development completion, residual-stock sale or property settlement

• Pay out a private lender, caveat or creditor before a known exit occurs

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The critical question is always the exit strategy. The client must be able to show how the bridging loan will be repaid through a property sale, refinance, settlement, business sale, verified income or another documented source of funds.

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First and Second Mortgage Private Loans

Assurity Capital considers private lending secured by first mortgages and second mortgages over eligible Australian real estate.

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First Mortgage Finance

A first mortgage is first in priority over the security property. It may be used where existing debt is paid out at settlement or where the property is unencumbered.

First mortgage private lending may be relevant for business, investment, commercial, development, refinance and urgent settlement scenarios.

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Second Mortgage Finance

A second mortgage sits behind an existing first mortgage. It may allow an eligible client to access available equity without replacing the first mortgage.

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Second mortgages may be considered for business working capital, ATO debt, creditor payments, private-loan refinance, commercial investment, bridging requirements and other genuine business or investment purposes.

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The combined debt position is essential. Accountants should provide the current first mortgage balance, proposed second mortgage amount, property value, any caveats or other interests and the exit strategy.

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Residual Stock and Development Finance

A developer may complete a project but still hold unsold apartments, townhouses, commercial lots or mixed-use stock. Residual stock finance may be considered where completed but unsold property is used as security while the client completes an orderly sales campaign, refinancing or another documented exit.

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Development-related finance may also be relevant for eligible clients needing to refinance existing development debt, manage completion costs, pay contractors or resolve a maturing private facility.

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For these scenarios, helpful information includes:

• Development address and property type

• Completion status

• Number and value of remaining lots

• Current debt and creditor position

• Sales schedule, contracts and settlements

• Valuation evidence

• Marketing strategy and expected sell-down period

• Clear exit strategy

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What Makes a Strong Accountant Referral?

The most useful referral includes a concise commercial picture, rather than simply a request for funding.

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Before submitting a scenario, gather:

1. The Funding Requirement

State the exact amount required, the purpose of funds, payment deadline and whether the loan proceeds will pay out ATO debt, creditors, a private lender, caveat, settlement or other liability.

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2. Property Security

Provide the property address, property type, estimated value, ownership structure, existing mortgage balances, caveats and other registered interests.

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The lender assesses total debt against the property value—not only the new loan requested.

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3. Current Financial Position

Provide relevant financial information, including current liabilities, cash-flow position, business or investment structure and documents that explain the transaction. Not every private-loan scenario requires the same financial documents, but clear evidence improves assessment.

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4. Exit Strategy

The exit strategy explains how the client will repay the loan at or before maturity.

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Common exits include:

• Sale of the security property

• Sale of another investment or commercial asset

• Refinance to a bank or longer-term lender

• Settlement of a property transaction

• Sale of completed development or residual stock

• Sale of a business

• Repayment from verified business income

• A documented capital event

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The exit should be realistic, supported by evidence and achievable within the proposed loan term.

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How to Submit an Accountant Referral

Email scenario@assuritycapital.com.au with:

• Client name and borrowing entity

• Loan amount required

• Purpose of funds

• Property-security address and type

• Estimated property value

• Existing mortgages, private loans and caveats

• ATO statements, creditor invoices or payout figures where relevant

• Required settlement date

• Proposed exit strategy

• Any relevant contracts, valuations, financials or supporting documents

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Assurity Capital will review the security, debt position, purpose and exit strategy, then request any further information needed for assessment.

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Indicative terms are not formal approval. All loans remain subject to assessment, valuation, legal documentation, lender criteria and approval.

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Important Considerations for Accountants and Clients

Private lending can be useful where a client has suitable property security and a defined business or investment requirement. However, it can be more expensive than mainstream finance and is generally shorter term.

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Clients should understand:

• Interest, fees, legal costs and valuation costs

• The loan term and maturity date

• Whether interest is paid monthly or capitalised

• First and second mortgage security ranking

• Personal-guarantee obligations

• The consequences of delayed sale, refinance or settlement

• The risk to property offered as security

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Where there is serious creditor pressure, tax debt, director liability concerns or a risk that a company cannot pay debts when due, clients should obtain independent legal, accounting, tax and insolvency advice promptly.

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Partner With Assurity Capital

Assurity Capital works with accountants who want a specialist private-lending pathway for eligible client scenarios involving property-secured business, investment, commercial and development finance.

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If you have a client with suitable Australian property security, a genuine commercial purpose and a practical exit strategy, email scenario@assuritycapital.com.au to discuss the scenario.

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Finance is subject to assessment, acceptable security, genuine business, investment or commercial purpose, lender criteria, fees, legal documentation and approval.

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Frequently Asked Questions

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What types of private lending can accountants refer?

Accountants can refer eligible first mortgages, second mortgages, bridging finance, secured business loans, ATO and creditor payment loans, debt consolidation, private-loan and caveat refinance, residual stock finance, development finance and urgent settlement scenarios.

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Can a client use property equity to pay business ATO debt?

Potentially. Property-secured finance may be considered for genuine business or investment-related ATO liabilities where the security, total debt position and exit strategy are acceptable.

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Can a client refinance a caveat or maturing private loan?

Potentially. Assurity Capital may consider a refinance where the client has suitable security, a current payout figure, a clear purpose and a credible final exit strategy.

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Does Assurity Capital provide consumer debt consolidation?

No. Assurity Capital considers private lending for genuine business, investment, commercial and development purposes only. It does not provide consumer-purpose personal loans or owner-occupied home loans.

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Can an accountant submit a scenario before every document is available?

Yes. Send the core information first: loan amount, purpose, security-property address, estimated value, existing debt, required timing and exit strategy. Assurity Capital can identify the additional information needed.

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Does Assurity Capital lend Australia-wide?

Yes. Assurity Capital considers eligible property-secured private-lending scenarios across Australia.

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How quickly can a private loan settle?

Timeframes depend on the property, title, valuation, existing lender payout, legal documentation and conditions. Assurity Capital reviews scenarios promptly, but approval and settlement timeframes cannot be guaranteed.