Melbourne · Commercial, construction & SME finance

It's not just what you know,but who you know.

A boutique brokerage and debt advisory firm structuring commercial, construction and SME business funding throughout Australia.

Senior · Stretch senior · Mezzanine · Preferred equity · JV

About us

A full suite of lending, built on relationships.

As a boutique finance brokerage, we offer a full suite of financial and lending solutions to suit all our clients' needs. Whilst specialising in commercial, SME and construction lending, we partner with the best to provide a complete service offering — including construction and development finance, residual stock, asset and equipment, debt advisory and restructuring, residential and investment finance, SMSF funding, commercial finance and SME funding.

Those partnerships give our clients the experience and knowledge required to achieve their desired financial outcomes. Our team believes in service that is transparent and professional, and we are committed to building strong, trusted relationships with industry and clients alike.

BoutiqueYou deal with the principal, not a call centre.
40+ yearsIn personal, residential, commercial and corporate lending.
NationwideFinance arranged for projects throughout Australia.

GroundPractical completion

From site acquisition to practical completion.

Residential, commercial and industrial development — finance arranged throughout Australia

Our services

Five areas of lending, one point of contact.

Whether you own or invest in property or operate a business, our commitment is to source the most competitive funding structure for your investment or business needs. A wealth of experience is the foundation for delivering sound, positive outcomes.

  • Term loans
  • Commercial bill facilities
  • SME business finance
  • Invoice and debtor finance
  • Business line of credit
  • Overdrafts
  • Peer-to-peer / private lending

Backed by experience, knowledge and a strong lender network, we deliver on construction finance requirements of every scale — securing effective and competitive solutions for residential, commercial and industrial development.

From first-time developers through to experienced large-scale operations, our services are available to projects throughout Australia.

  • Senior debt
  • Stretch senior
  • Mezzanine
  • Preferred equity
  • Joint venture funding

For clients purchasing, refinancing or building homes to live in or hold as an investment, reliable and informed credit advice is critical. Through strong partnerships and close associations, we provide the guidance and solutions to reach your financial goals.

For commercial and business clients, structuring existing and proposed home loan and investment facilities in parallel with business objectives mitigates risk — and helps clients sleep at night.

  • Purchase and refinance
  • Construction loans
  • Investment portfolios
  • Facility restructures

We make asset, plant and equipment finance as easy as possible. As asset finance specialists we handle the entire process — from initial contact through to making sure new equipment is delivered and earning income from day one.

  • Motor vehicles & industrial equipment
  • Construction & manufacturing plant
  • Earthmoving equipment
  • Trucks and trailers
  • Boats, caravans & aircraft
  • Office fit-outs and furniture

Keeping a business viable and at the front of its industry means having banking and debt facilities reviewed regularly by an independent, trusted advisor.

With lending guidelines continually changing, and new banks, financiers and fintech disruptors entering the market, we keep clients across current policy so they can make informed decisions. We work alongside your accountant, financial planner and solicitor so the advice you receive aligns with your needs.

  • Facility reviews
  • Refinance & repricing
  • Covenant and structure advice
  • Lender negotiation

Construction & development

We arrange funding at every level of the capital stack.

Development capital is built the way a tower is — in layers, each with its own priority, cost and risk. We arrange each of them with the right lender. Select a layer to see where it sits.

First ranking

Senior debt

The base of the structure. A first mortgage facility from a bank or non-bank funding the largest share of project cost, priced lowest because it is repaid first from settlements.

Key people

Stephen Gay · Managing Director

Stephen Gay

Managing Director

With over 40 years' experience in the financial services sector and a broad, thorough knowledge of personal, residential, commercial and corporate lending, Stephen is a highly motivated finance specialist. He holds long and close associations with all lending and financial institutions, along with many non-bank lenders.

Having been on both sides of finance and lending, Stephen has a sound and unique capability to assist both lenders and clients, always achieving realistic and mutually beneficial outcomes. His customer service has been the cornerstone of long-term relationships with many repeat clients.

LinkedIn profile
Accreditations & memberships
CAFBAFBAAAFCA Proud Victorian Chamber Member

Contact us

Tell us about the deal.

stephen@empirefinancepartners.com.au
PostP.O. Box 8051, Kooyong
Victoria 3144
CoverageAustralia-wide