01
Direct lending
Where a transaction fits the relevant credit appetite, structure and funding parameters, a direct lending pathway may be considered. Eligibility, terms and approval remain subject to full assessment and due diligence.
About Us
About Basic Finance Loans
Private credit, structured around the real transaction.
Basic Finance Loans acts as both a direct lender and a finance facilitator for eligible Australian business, commercial property and development transactions.
CoverageAustralia-wide enquiries
PurposeBusiness and commercial finance
AssessmentEvery scenario considered on its merits
One disciplined assessment
Two potential funding pathways.
The objective is not to force a transaction into a predetermined product. We first establish the purpose, security, debt position, timing, evidence and repayment strategy.
02
Facilitated finance
Where another capital source is better suited, Basic Finance can prepare the credit story and approach selected private or non-bank lenders based on the transaction’s requirements and evidence.
The Basic Finance standard
Clarity before commitment.
A headline rate or LVR is never the whole facility. A useful assessment shows what is available, what it costs, what conditions apply and what must happen for the debt to be repaid.
Purpose
The commercial use of funds is specific, genuine and supported by evidence.
Security
Accepted value, existing debt, ranking and registrable interests are reviewed together.
Net funds
Interest, establishment fees, legal costs and other deductions are separated from the gross facility.
Evidence
Financials, bank statements, BAS, contracts, valuations or project documents are matched to the scenario.
Risk
Conditions, guarantees, defaults, extensions and practical constraints are made visible.
Exit
The primary repayment event and a credible contingency are tested before settlement.
Direct senior involvement
Aaron Sterenzon
Director of Finance · Private credit · Property and development finance
Aaron has over 22 years’ experience in finance and holds a Diploma of Financial Planning, a degree in Mechanical Engineering and a diploma in Mechanical Engineering. His background combines finance experience with technical training in engineering.
Aaron works directly with business owners, property developers and advisers to understand the entire transaction. Each enquiry is considered around the borrower, purpose, security value, existing debt, total exposure, timing, supporting evidence and repayment strategy.
The aim is practical: identify what is workable, explain material constraints early and pursue the funding pathway that best fits the documented scenario.
Direct point of contact
Australia-wide scenarios
Property-credit focus
Structure and exit first
Business-purpose finance boundary.
Basic Finance Loans handles eligible business-purpose and commercial finance. We do not provide consumer credit for personal, domestic or household purposes, owner-occupied housing or ordinary residential investment credit.
All information is general only and does not constitute financial, legal, tax or credit advice, an approval or an offer of finance. Available structures, amounts, leverage, rates, fees, documentation and timeframes vary by transaction and funding source. Every application is subject to credit assessment, due diligence, legal requirements and final approval.
Start with the whole scenario
Purpose. Amount. Timing. Security. Debt. Exit.
Share those facts and Aaron will explain the information required and the most practical next step.