A debt advisor can be considered a more holistic advisor than just a broker. Like a broker, a debt advisor uses industry knowledge to create competitive tension among lenders, securing better rates, terms, and flexibility for their clients. However, debt advisors go beyond the usual service offering of a broker by offering bespoke structuring, advisory, and specialist lending experience, working within a wider business or personal strategy to align your financing with your long-term goals.

When you go direct to a single lender, they can only offer their own products and have little incentive to offer competitive rates and/or structure if they don’t believe it is a genuinely competitive tender. A debt advisor, on the other hand, represents you to multiple lenders, increasing competition for your business. They are independent lending specialists who ensure your funding requirements are presented in the best possible way to the right lenders, avoiding unexpected delays or declines while securing the best deal for you.

A debt advisor provides access to a curated panel of lenders with multiple financing solutions, while a relationship manager is limited to their institution’s products. Unlike relationship managers (RMs), who may move on or change roles and may not always coordinate different lending types, a debt advisor is independent. They serve as a consistent, single point of contact across products and lenders while leveraging their network to create competitive tension for your lending.

Lender competitive tension is the process of curating multiple offers (usually between three to five) from directly competing lenders for your business. Debt advisors leverage deep industry knowledge by presenting your lending request in a way that increases demand—highlighting its strengths while mitigating its weaknesses. By running a structured process where multiple lenders compete, they secure more favorable interest rates, terms, and loan structures than if you approached a single lender, ensuring you receive the best possible outcome as a borrower.

Debt advisors (like brokers) in Australia are typically paid via upfront and trailing commissions from bank lenders. In some cases, clients may pay a direct advisory or consultancy fee for more complex transactions. Evercrest Partners provides full transparency on all fees and commissions before proceeding with any transaction.

As your independent lending specialist, we focus on maximizing your control over loan repayments, allowing you to conserve cash flow when your business needs it while retaining the optionality to voluntarily pay down your debt to minimize interest when your cash flows are strong. Solutions such as interest-only periods, revolving credit lines, long notional repayment periods, and other specialist working capital financing (such as invoice and trade loan finance) allow us to match your loan terms to your cash flow cycle. When it comes to your personal assets, we use our specialist industry knowledge and competitive tension between lenders to unlock surplus equity, allowing you to protect your key personal assets such as your home.

No, we are engaged only by our clients to act in their best interests when assisting with their finance. Evercrest Partners structures its upfront and trailing commissions for commercial finance the same for every lender, ensuring that any conflict of interest is avoided. Evercrest Partners is a proud member of the Banking and Financial Services Oath.

No. In fact, using a broker will usually result in a better rate and terms due to the competitive tension generated with our specifically curated lending panel and the specialist knowledge of an experienced debt advisor. Our clients typically save between 0.35–0.50% on their rate (and countless hours!) compared to a direct solution with a single bank negotiated directly by the borrower.

We specialize in a wide range of commercial finance solutions, including commercial mortgages, business lending (including cash flow lending to support acquisition or working capital growth), as well as specialist debt and capital solutions for property developers through their project life cycle. For high-net-worth individuals, we also offer bespoke commercial and residential financing solutions to support your lifestyle needs through each stage of your life.

Simply reach out to us via our website or contact our team to discuss your financing needs. We offer an initial consultation to assess your requirements and determine the best approach to securing your funding.

Evercrest and its team have arranged finance for a wide range of businesses across Australia, from family-owned small and medium enterprises (SMEs) to larger private and public companies, across most industries. Our expertise spans professional services, manufacturing, retail, healthcare, online businesses, construction, importers/exporters, and more, ensuring businesses of all sizes and structures can access the right funding.

Evercrest specializes in most business finance solutions such as commercial property funding, working capital loans, invoice and trade finance, overdrafts, and acquisition funding. We can help set up new facilities or review existing ones, ensuring that you are always getting the best deal for the stage of your business.

Business lending can differ from personal or residential lending in terms of the initial loan assessment and level of lender due diligence, which tends to focus on the business itself. Factors include security (whether lending is fully secured, semi-secured, or unsecured), loan features (your lending may or may not have offset or redraw options), and how interest rates are calculated. Lenders may require you to provide updated financial information on a periodic basis (often annually) or ensure you meet specific lending covenants. Within lenders, different teams manage various types of business lending by industry, making having an industry specialist working for you vital to ensure you engage with the right banker at the right time.

Not always. While many banks (and bankers) prefer property-backed lending and typically offer their most competitive pricing for fully secured deals, this might not always work for your business. Evercrest can help secure unsecured or semi-secured finance options such as cash flow lending alternatives, working capital financing (i.e., overdrafts, trade and debtor finance), as well as more acquisition or industry-specific financing. As your independent lending specialist, we ensure your information is presented to lenders optimally to attract the right funding solution, focusing on protecting your personal assets and/or maximizing business growth from the start—saving you time chasing solutions that don’t work for your business.

Evercrest Partners specializes in structuring lending solutions that align with your cash flow needs and business growth. This includes interest-only periods, revolving credit lines, and working capital financing. For personal assets, we leverage industry knowledge to unlock surplus equity while ensuring loan structures protect your key assets, such as your home.

Evercrest supports clients across the entire commercial property investment and development life cycle, from land acquisition to residual stock loans for completed projects. We arrange finance for income-producing commercial properties, value-add opportunities, construction and development projects, and refinancing for existing assets. Whether you need senior debt, mezzanine finance, bridging loans, or structured funding solutions, we identify the right commercial lenders and structure financing to maximize returns, minimize costs, and ensure flexibility throughout your investment journey.

Yes. Evercrest provides strategic debt capacity assessments for established commercial property investors, helping to identify available borrowing capacity to new assets or fitout, fund incentives or further development. We can also help you optimise your portfolio by reviewing lending to identify surplus assets, unlock equity or drive better pricing through our competitive tender process. We arrange competitive pre-approvals for established commercial property investors that takes advantage of your existing equity as well as the new purchase, ensuring you’re ready to act with confidence on new opportunities while securing the most favourable loan terms.

Absolutely. Development finance now more than ever is more complex than standard commercial lending, sometimes requiring multiple lenders or alternative funding strategies, diverse funding sources, and a structured capital stack in an environment of often pressured delivery timeframes and diminishing returns. In this environment independent lending specialist advice from a trusted advisor becomes even more vital. Evercrest can provide your project with guidance on securing the right mix of senior funding through the capital stack including senior, senior stretch or mezzanine finance ensuring cost-effective, flexible financing that enhances project returns. With access to a broad network of lenders, we negotiate better pricing, improved terms, and tailored structures, helping you reduce financing costs, greater flexibility and better profitability.

Senior debt offers the lowest-cost financing, secured against the property but lower leverage (often from a bank), while senior stretch loans provide slightly higher leverage at an increased cost (often from a non-bank). Mezzanine finance sits behind senior debt, offering further leverage again but sometimes at a higher return requirement. Evercrest understands which lenders will work together, their appetite for specific projects, and how to balance the capital stack for optimal cost efficiency. By structuring the right combination of debt layers, we ensure your project has the best possible financing, reducing equity requirements and driving strong returns.

Yes, and in many cases, owner-occupiers can access better loan terms and pricing compared to investors. However, financing for owner-occupied properties can be more complex then investment, as banks assess the business’s financial strength rather than just property risk. Evercrest ensures your application is presented to the right lenders in the best possible light, highlighting its strengths whilst mitigating its weaknesses. By running a competitive tender process, we secure the best financing solutions, whether for purchasing, refinancing, or upgrading your business premises.

Yes. A private banker or relationship manager works within a single lender versus a debt advisor who provides access to a broad panel of lenders, ensuring you secure the most competitive and tailored financing solution. Private bankers often change roles, have limitations in structuring across multiple lending types or credit appetites, and are ultimately employed by the bank. Evercrest acts as your independent long term advocate, serving as a single point of contact across lenders, different loan products while leveraging competitive tension across lenders to optimize loan terms, enhance flexibility, and protect your interests—not the bank’s.

Absolutely. As your business grows, it’s natural to expect it to stand on its own financially. However, banks can be initially reluctant to release personal guarantees or personal property security tied to business debt. Whether driven by taxation, estate planning, marital separation, or risk management, restructuring your lending to protect personal assets can be challenging. Evercrest, as your independent debt advisor, works in your best interest, ensuring that your financial arrangements align with your long-term goals. By leveraging competitive tension among lenders, we negotiate structures that protect & grow your personal wealth while securing the best possible commercial lending terms.

Yes. Evercrest works alongside your accountants, legal advisors, and wealth managers to ensure your financing strategy aligns seamlessly with your estate and tax planning objectives. We structure lending solutions that ring-fence assets, unlock equity for liquidity planning, and provide tax-efficient borrowing options, including interest-only loan terms, equity cash-outs to support new investments, and tailored negative gearing strategies. Our competitive lender tender process ensures your funding is structured to your personal wealth strategy whether that is financial growth, asset protection or wealth transfer.

Evercrest specializes in assisting clients with complex financial structures, including business owners, professionals with multiple income streams, and individuals with cross-border income. Whether your wealth is held across companies, trusts (family, discretionary, or unit), partnerships, or minority ownerships in various ventures, securing personal lending can be challenging. We work with lenders who understand sophisticated income structures and can tailor financing for high-value home purchases, luxury construction projects, or refinancing solutions. Our expertise ensures that income variability, offshore holdings, or intricate investment portfolios don’t become obstacles to securing the best financing for your home or project.

We consider privacy and discretion the bare minimum, and we go beyond standard security measures to protect your financial & personal information. Evercrests information technology partners are SOC 3 accredited, ensuring their digital infrastructure and client data security meet the highest industry standards. Our processes include encryption, strict confidentiality agreements, and limited data-sharing protocols, ensuring only essential information is provided to lenders and third parties. Additionally, as a member of the Banking and Financial Services Oath, we uphold integrity, discretion, and the highest ethical standards when handling your affairs, ensuring that your lending process is both seamless and secure.