Our services

Transaction Services

At SEEKPATH, we deliver comprehensive transaction advisory services for Australian real estate assets, guiding clients through the intricacies of mergers and acquisitions, capital raising, and other critical financial transactions. Our team of seasoned experts works closely with clients to ensure each transaction is executed with precision, maximizing value while minimizing risks. Whether you're aiming to expand through acquisition, divest non-core assets, or raise capital, our expertise equips you to navigate the financial landscape effectively and achieve your strategic objectives.

Our key transaction services include:

• Valuations of Australian real estate assets

• Acquisition and vendor due diligence

• Independent pre-lending reviews

• Capital raisings

• Debt advisory

Private Credit Solutions

At SEEKPATH, we are at the forefront of private credit, offering innovative financing solutions tailored to businesses and investors seeking alternative funding sources. Our private credit services are designed to provide flexible, customized financing options that align with the unique financial goals of our clients. By leveraging our deep industry expertise and extensive network, we ensure that clients have timely access to the capital they need to drive growth and achieve their strategic objectives.

Our private credit solutions include:

• First mortgage financing

• Second mortgage financing

• Construction loans

• Caveat loans

• Bridging finance

• Residual stock financing

Private Mortgage Lending

SEEKPATH is committed to providing high-quality real estate investment opportunities to our esteemed partners. Our primary objective is to identify and implement investment strategies that deliver robust returns while maintaining a strong focus on risk management and mitigation.

Distinct from traditional fund management firms, SEEKPATH offers investors the assurance of directly holding real estate asset securities, ensuring that these assets are not retained by SEEKPATH or any third parties. This transparent approach grants investors full control over their investments, enhancing confidence and clarity.

Suggestions to Protect

the Lender

Regular Monitoring and Communication:

• Since the loan is tied to the borrower’s business cash flow, you should regularly monitor the borrower’s financial health, including asking for financial statements or updates on business operations. This can help preempt any liquidity issues before they escalate.

Independent Valuation and Monitoring of Property Value:

• Although a Valuation Report is a condition precedent, it would be prudent to regularly update the property valuation, particularly if market conditions shift. This ensures that the LVR covenant is adhered to and the collateral remains sufficient to cover the outstanding loan.

Include a Review Event Clause:

• Consider adding a Review Event clause that allows you to review the terms of the loan periodically (e.g., after one year) and adjust them based on changes in the borrower’s financial situation or property value. This could give you the flexibility to reassess the risk and make adjustments such as requiring additional collateral.

Regular Legal Review:

• Have your legal team regularly review the enforceability of the collateral security documents and guarantee. In cases of complex loans, securing your position legally will be essential, especially if amendments or changes to security arrangements occur.

Mitigate Guarantor Risk:

• If there is concern about the Guarantor's financial standing, you may request additional personal guarantees or consider asking for further secured assets under the General Security Deed. Alternatively, requiring joint guarantees from more individuals could offer better risk mitigation.

Ensure Proper Documentation:

• Maintain clear, accessible records of all communications, agreements, and any changes to the loan terms. Having proper documentation is vital for enforcement if any disputes or issues arise. Be particularly vigilant about keeping receipts for any payments or fees to avoid confusion during repayment.

Enforce Rights Without Delay:

• In the event of any default, act swiftly to enforce your rights. Delaying actions can lead to erosion of the collateral’s value, or the borrower may take steps to dissipate assets or declare bankruptcy.

Cross-Default Clauses:

• Be aware of any cross-default clauses, particularly those relating to other facilities the borrower may have. This ensures that a default on another loan or facility (including with other lenders) would automatically trigger a default under this agreement, allowing you to act preemptively.

Frequently Asked Questions

What we do?

We help investors conduct thorough due diligence on potential investments. Our due diligence services include financial analysis, and environmental and social impact assessments. We also help you to identify and assess the potential risks and opportunities associated with a transaction.

Why do you need due diligence?

Due diligence is a critical step in the investment process, serving as a comprehensive appraisal to evaluate the viability, risks, and potential returns of a prospective investment. Here's why due diligence is indispensable:

• Risk Mitigation: Thorough due diligence helps identify and assess potential risks, including financial, operational, and market-related factors. This proactive approach minimizes the likelihood of unpleasant surprises post-investment.

• Informed Decision-Making: By gathering detailed and accurate information, due diligence provides a solid foundation for making informed investment decisions. This ensures that investors are fully aware of the strengths and weaknesses of the investment opportunity.

• Valuation Accuracy: Proper due diligence aids in determining the fair value of an investment, ensuring that investors do not overpay or undervalue the asset. This is crucial for achieving a favorable return on investment.

Key Items to Pay Close Attention to:

Repayment Dates and Interest Payments: Ensure that all payments are made on time.

Security Registration: Make sure the mortgage and General Security Deed are properly registered and enforceable.

Insurance: Confirm that appropriate insurance is maintained and that you are named as the insured.

Guarantor Financial Health: Monitor the guarantor's capacity to cover the loan if needed.

Conditions Precedent: Do not allow the loan to proceed without all conditions being satisfied.

Contact us

Whether you have a request, a query, or want to work with us, use the form below to get in touch with our team.