Finance for business, property and what comes next.

Strategic advice and lending solutions for clients across Australia. Rent rolls, commercial property, business acquisitions and complex property finance.

We advise, structure and arrange finance.

Finance that moves with your ambition.

Acquire a rent roll. Invest in commercial property. Restructure the debt behind your business.

Rent roll finance

Acquire a rent roll, refinance existing debt or fund a change in ownership.

Commercial property lending & business finance

Fund property, an acquisition, working capital or a change in business ownership.

Home & investment lending

Buy, invest or refinance in the Southern Highlands with a clear view of the wider position.

Senior finance experience, applied to the detail.

Complex finance needs people who understand how the opportunity will be assessed, where the pressure points sit and how to present the position clearly.

James Alexander

Nearly two decades in banking and finance, specialising in complex transactions

Stuart Hobden

Over 35 years in finance with 20+ years in real estate services

What we test before a lender sees the opportunity.

Rent roll: Does the portfolio support the proposed debt?

We look beyond the headline management income and consider the quality of the portfolio, the transaction terms and the business carrying the debt.

• Recurring income: Management income, portfolio composition and retention risk.
• Transaction terms: Purchase price, contribution, retention clauses and staged payments.
• Debt structure: Existing facilities, repayment capacity, security and guarantees.
• Execution: Information requirements, lender sequence and settlement timing.

Explore rent roll finance

Commercial & business: How should the property and business debt work together?

We bring the asset, leases, sustainable cash flow and wider business requirements into one funding strategy.

• Cash flow: Sustainable earnings, existing commitments and repayment profile.
• Asset and leases: Property use, valuation, tenant position and vacancy exposure.
• Facility design: Loan purpose, leverage, term, interest structure and working capital.
• Downside and exit: Refinance options, contingencies and the intended path to repayment.

Explore commercial and business finance

Home & investment: What structure supports the next property decision?

We assess the household and property position together, particularly where income, timing or existing investments create more moving parts.

• Income and commitments: Employment or business income, living costs and existing liabilities.
• Property position: Deposit, available equity, purchase costs and proposed security.
• Loan structure: Ownership, repayment type, offset use and portfolio flexibility.
• Timing and policy: Purchase deadlines, sale timing, documentation and lender requirements.

Explore Pendium Home

Start with a conversation.

Start an enquiry

Contact Pendium Finance

Southern Highlands home and investment loans

Phone: 1300 876 410 | Email: loansupport@pendiumfinance.com.au

Perth: 204/96 Mill Point Road, South Perth WA 6151

Sydney: Bay 5 North, Locomotive Street, Eveleigh NSW 2015

Pendium Finance Pty Ltd (ACN 662 388 838) — Credit Representative 543457, authorised under LMG Broker Services Pty Ltd (Australian Credit Licence 517192).