Industries/Financial Services/Private Lenders

Private Lenders.

Non-bank and private credit — licensing, loan docs and security.

Who we advise

Private lenders, non-bank credit providers and family-office debt funds face the National Credit Code, AFSL managed-investment obligations and increasingly active ASIC oversight. We draft loan and security documentation, advise on licensing and structure syndicated deals.

What we do for private lenders

• Loan & security docs

  Facility agreements, mortgages, general security agreements and guarantee packs.

• Licensing

  ACL and AFSL analysis and applications for lending and fund structures.

• Enforcement

  Default management, receiver appointments and possession proceedings.

• Fund structuring

  Unit trust, MIS and wholesale-investor documentation for pooled lending.

Examples we're pulled in on

• Credit Code coverage vs commercial-only lending
• AFSL implications for pooled or investor-funded lending
• Enforceable loan, mortgage, GSA and guarantee documentation
• Trust structures for lending vehicles

FAQs

Do commercial-only lenders need an ACL?

Usually no, but the boundaries are narrower than most operators think. We advise on structure and documentation to keep you on the right side of the Code.

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