Case studies

We have seen worse and found the way through.

Name: WeL'nd
Address: 1/3 Westside Avenue, Port Melbourne, VIC, 3207, AU
Telephone: 1300 015 267
Price range: Free initial consultation

One published client story and a set of illustrative scenarios showing how these situations are actually structured. Every scenario is labelled as such — we do not dress up examples as clients.

Bad credit
A poor credit file, a business short of cash, and a $100,000 way forward
Years of defaults and card debt had convinced Dimitrios his position was beyond repair. A full assessment, a consolidation and a lender who prices this risk properly produced a $100,000 injection and a smaller monthly bill.
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ATO debt
An ATO balance that had grown quietly for two years
An illustrative scenario. A profitable civil contractor was paying tax debt out of margin and losing ground to the general interest charge. Equity in the family home answered it.
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Director penalty notice
Twenty-one days on a director penalty notice
An illustrative scenario. A DPN moves company tax debt onto a director personally, and the clock does not wait for the post. What finance can do inside three weeks, and what it cannot.
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Statutory demand
A statutory demand, and twenty-one days to answer it
An illustrative scenario. A supplier served a statutory demand on a solvent business that was simply owed money by somebody else. A short secured facility answered it in time.
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Payroll tax
Three small sites, one payroll tax bill nobody expected
An illustrative scenario. Grouping provisions treated three modest cafes as one employer, and the arrears arrived with interest attached. A commercial refinance cleared them.
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Equipment finance
Six trucks owned outright, and no cash to run them
An illustrative scenario. The value was sitting in the yard rather than the bank. Refinancing plant the business already owned released working capital without touching the family home.
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Debt consolidation
Nine unsecured facilities, and nine different due dates
An illustrative scenario. Cards, personal loans, buy-now-pay-later and a daily-debit advance, consolidated into one repayment through a cash-out refinance with the accounts closed.
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Self-employed lending
Two good years of trading, one year of unlodged returns
An illustrative scenario. The business was fine. The paperwork was late, and late paperwork is what most lenders actually decline. A low doc refinance bridged the gap.
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Private lending
A nine-month bridge, with the bank already waiting on the other side
An illustrative scenario. A settlement date that would not move and receipts that would not arrive in time. Private funding covered the gap, with the exit approved before it drew.
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ATO payment plan
A payment plan the practice could not sustain
An illustrative scenario. The plan assumed a recovery that had not arrived, and the general interest charge kept running underneath it. A refinance replaced it with terms the practice could carry.
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Tell us the honest number.

That is all the first conversation needs to be. We will tell you early whether we can help.

Or call us

1300 015 267

Monday – Friday, 09:00 to 17:30

“Tell me the number. I have almost certainly seen worse.”

Dave Pham · Head Broker

Talk to Dave1300 015 267

We have seen worse and found the way through.

A poor credit file, a business short of cash, and a $100,000 way forward

An ATO balance that had grown quietly for two years

Twenty-one days on a director penalty notice

A statutory demand, and twenty-one days to answer it

Three small sites, one payroll tax bill nobody expected

Six trucks owned outright, and no cash to run them

Nine unsecured facilities, and nine different due dates

Two good years of trading, one year of unlodged returns

A nine-month bridge, with the bank already waiting on the other side

A payment plan the practice could not sustain

Tell us the honest number.