The lending ‘players’ have significantly altered over the last 10 years with a more prominent role of non-bank lenders, as banks have shied away and shrunk their lending ‘appetite’ outside of house mortgages. This has allowed a wide range of non-bank alternatives to become more prominent, and some have become lending experts in certain risks (property development, agriculture, securitised funding and home loans).
Whilst conditions have become tighter, economic activity across business, property and households does not just stop. In some areas, funding competition is strong, especially for existing customers with known risk to the institution. What this highlights is the need to undertake careful planning to optimise scenarios, variables and assumptions to arrive at a range of outcomes. Through this article we discuss and explore a few of the considerations we take into account when assisting our clients with projects, current lending structure and specific financing needs.
Cameron Harrison, through its Specialist Advice Solutions is able to assist its clients with Project Planning Financing & Management and specific Credit & Funding Solutions.