We are experts in Commercial Property and we find unique wats to get businesses the funds they need to grow.

1. CLIENT CASE STUDY FILE
CommercialLoansandBusinessFunding
A small sample of results we have delivered to our
commercial finance clients over the past 10 years

2. Why do more
Commercial and
Business borrowers
choose Sirius Finance?
It’s easy to feel left out of the loop
dealing with a bank. At Sirius Finance,
we’ll keep you in the picture by providing
independent, unbiased advice on all
aspects of your funding, from your first
expression of interest through to
settlement and beyond.
During the funding approval process,
we will:
•Take the time to fully comprehend
your unique situation
•Advise you on the different funding
options, loan terms, fees and
processes
•Find the best lender and funding
outcome for your needs
•Provide full and on-going support to
get the deal done
•Explain all paperwork before signing,
making sure everything is signed
correctly to prevent delays
•Keep you updated on the progress at
every stage, making sure potential
issues are identified early and
reasonable solutions communicated
•Commitment to regular revisit your
facilities and structures to make sure
they are always relevant to your
needs and situation
Best for Specialised Lending Products - WA
APAC Insider Investment Awards - 2016

3. Purchase: $400,000 +GST
Finance Obtained: $465,000
Tony and Kelly now have 2 major accounts and
room to grow a little more.
No Deposit Commercial Loan
Approved
Key results after approaching Sirius Finance
Tony and Kelly purchased a new commercial property to support the
business’s expansion:
•they borrowed 100% of the purchase price, keeping their working
capital in the business
•they also borrowed the stamp duty and settlement costs, plus GST
everything was structured under a tax effective model approved by
their accountant
•they achieved a lower rate on their existing home loan and the final rate
of the commercial loan was almost the same as their old home loan
•the new commercial loan cost them the same as what it was going to
cost to lease new premises of the same size
Situation
Tony and Kelly’s cabinetry business recently
picked up a second large account, and while they
had the labour capacity to do the work, they didn’t
have the extra space needed:
•they had recently spoken with their bank about
buying a commercial property
•they didn’t have the large deposit the bank told
them they needed to secure a commercial loan

4. Purchase: $2,650,000
Finance Obtained: $1,722,500
Mal secured the property, along with a blue chip
tenant, and is now reaping the rewards.
Savvy Investor Completes Complex
Purchase With 30 Day Settlement
Key results after approaching Sirius Finance
Bill was going into a Silent Auction and knew he needed a great deal of
surety that he could complete the purchase if he was the winning bid:
•due diligence completed on borrower, security and tenant
before auction date
•multiple prime lenders engaged creating a bidding war for the
clients business and secure low rates and favourable conditions
•obtained approval subject to resulting contract of sale before placing
bid
•purchase settled within 30 days of Bill’s winning bid
Situation
Bill was a very experienced and well established
business owner with highly profitable businesses
across Australia. An investment opportunity came
calling when he found out about a distressed sale
of a valuable piece of real estate in the Pilbara:
•distressed sale of valuable industrial property
key to the central Pilbara mining services
•change of tenants coinciding with sale
•current business banking relationship initially
not interested in supporting purchase
•limited pool of other interested lenders with
very little appetite for the region

5. Purchase: $630,000
Finance Obtained: $665,000
John continues to be a free spirit, while his
commercial properties pay for themselves.
NO Financials? - NO Worries
Key results after approaching Sirius Finance
John wanted the property, the vendor wanted to sell it, and the agent
wanted the sale. Everyone was agreed they wanted it to happen:
•extensions negotiated
•specialised lending facilities from second tier lenders were
engaged
•minor credit impairments rectified
•approval obtained
•settlement completed within two weeks of the original date
Situation
John had spent many years working all over the
country as an engineer. But John wasn’t keeping
pace with his paperwork.
So when he went to buy a commercial property
adding to his portfolio, he found tighter lending
markets required more scrutiny:
•no deposit only equity in existing property
•his bank of many years, took 4 weeks to
finally tell him they weren’t interested without
all his financials
•the contract of sale was soon to expire - but
John still wanted the property

6. Purchase: $415,000 +GST
Finance Obtained: $482,000 + $70,000 Working Capital
Dave and Lee are now learning how to be business
owners - and masters of their retirement future.
Start-up business Secures New
Premises With Super fund
Key results after approaching Sirius Finance
Dave and Lee were referred to us by their Accountant with some great
ideas about their future. Only they wanted to do it all at once, and do it
now:
•we worked with the client and their accountant over the course
of 2 months to bring their ideas to paper, thoroughly tested
their business and cashflow model, engaged multiple lenders
along the way, honing the final proposal
•preliminary approval and term sheet issued, suitable
commercial property found and settled within normal time
frames
Situation
Dave and Lee always dreamt of starting their own
business. They also saw the benefit of having
their Super Fund, buy the premises they needed.
They just didn’t know how hard that was really
going to be:
•brand new business owners with nothing
more than an idea
•start-up business with no trading history
•brand new Super fund with no history
•a lending market with little appetite for all of
the above

7. Refinanced Loans: $2,855,000
Savings Obtained: $13,000 p.a.
Pre-approval Obtained: $1,500,000
Doug and Julie were last seen on the hunt for a new property
to buy - and a holiday, thanks to the annual savings.
Complex Portfolio Restructure Is
Childs Plays For The Young At Heart Key results after approaching Sirius Finance
Doug and Julie were referred to us by an east coast bank.
After initial discussions we began the long hard work of restructuring
their portfolio and making them market ready to buy:
•specialised properties required detail knowledge and research
of the assets, key industry drivers and existing tenant profiles
to produce a detailed discussion paper to go to market
•engagement of multiple lenders created demand and ability to
negotiation favourable terms - lower interest rates and high
loan-to-value ratios
•result was a completely restructured portfolio that was
significantly cheaper and access to equity for future purchases
Situation
Doug and Julie had a sizeable SMSF portfolio.
And while they were at retirement age, they were
not ready to call it a day:
•they want better pricing on existing facilities
•they wanted to diversify their existing
portfolio of childcare centres

8. Western Australia
Wyalkatchem
Northam
Port headland
Bunbury
Geraldton
Newman
Where do some our WA
businessclients come from?

9. Contact us to discuss your Business
and Commercial finance needs
We would love to meet with you to discuss
how we can work together to help your
business get the funding it needs.
Phone: 0414 444 122
Email: casey@siriusfinance.com.au
Casey Stein
Finance Strategist
Mortgage & Finance Broker
“There’s nothing more
satisfying than knowing that
our effort made a significant
contribution to help our client’s
grow their business.”