We are a specialist Property Finance House with the core focus on Development Finance, Medium term bridging finance (6-12mths) and Urgent settlement finance having experience in the field as senior specialist bankers, developers and lawyers. We boast that 3 out of 4 loans settle OR we simply do not make the offer in the first place.
From Urgent 3 days settlements, land banking or construction finance, we package up finance to complete a transaction. We are not general brokers. We secure our funds having a direct relationship priority and reliability providing our own capital in making up the shortfall, that relationship guarantees certainty.
WE PROVIDE 100% funding requirement SOLUTION .
ONCE A LETTER OF OFFER IS ISSUED THE FUNDS ARE SET ASIDE IN WRITING. WHEN A CLIENT HAS ENGAGED ACMF, THEY HAVE THE KNOWLEDGE THAT IF ADDITIONAL FUNDING IS REQUIRED DUE TO VALUATION OR QS ASSESSMENTS AND THE LIKE, ACMF CAN STEP IN TO ASSIST!
That is our point of difference
CONSTRUCTION FINANCE - Primarily medium to larger scale Residential Developments and Construction Loan Facilities outside the standard Bank criteria. As asset lenders, we assess loans on the asset security position, market demand of the product being built, product design, developer's experience, builders ability and repayment strategy. We provide top funds to make the full budget.
DEVELOPMENT SITE ACQUISITION - Specialist in this area up to circa $10 million, larger loans case by case. This is internally funded, as with all loans, when a loan offer is issued the funds have been allocated and set aside for the transaction inwriting.
URGENT SHORT TERM LOAN - Bridging loans for sell down strategy, land banking, emergency business finance, top-up construction finance & general working capital. Whilst typical short term loans range from $500k to $10m, our largest short term loan to date exceeded $20m. Prompt settlement can be achieved in less than than 5 business days, firstly we have $10-20m reserve access at all times and secondly we take other valuations and carry out our internal valuation analysis along with local agent opinions.
STANDBY LOANS - It is important to note that ACMF does not normally lend top up capital in conjunction with another first mortgagee.
A shortfall is a common problem, ACMF has a special relationship with its first mortgagees allowing ACMF to make up the shortfall in a number of ways. This can be for many reasons such as lower valuations, higher quantity surveyor assessments or additional costs not accounted for by the borrower. A capital top up may be required such as a 2nd Mortgage, caveat loan, or equity participation. During a loan term, ACMF provides its customers with a “Standby Facility” at no upfront costs. During the loan term, this provides a short term facility at a fixed monthly cost in the event of a cash flow emergency especially for example during construction or interest payments. This is where ACMF stands out and is unique to ACMF.