Debt Advisory

Unlock Opportunities. Unleash Growth.

We simplify complexity, overcome financial barriers, and help you make bold moves — backed by the strength of HMW Group.

Build with Confidence. Secure Finance with Certainty.

HMW Finance works closely with clients and lenders to provide complete debt advisory services so you can raise or manage existing debt and unlock opportunities for growth. Whether you need to refinance a loan, expand your working capital, fund a development, purchase equipment, acquire a home, business, or asset, we can help you explore various financing options available from a range of financiers.

We specialise in understanding the requirements of banks and financiers and can source debt from a wide range of funders including banks, non-banks and alternative financiers.

We not only provide you access to finance but will assist you at every step ensuring you are properly prepared and positioned to achieve the best funding solution.

Get in touch Download Capability Statement

I am looking for...

Property and development finance

Development finance
Construction loans
Site acquisition
Short-term facilities
Mezzanine finance

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Commercial lending

Independent commercial loan / portfolio reviews
Commercial loans
Comprehensive credit risk assessment
Structuring the loan agreement
Specialised asset acquisition

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Equipment finance

Leasing and hire purchase
Asset-backed loans
Equipment finance & leasing
Tax-effective financing structures

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Working capital and growth finance

Trade and supply chain finance
Business loans and equity financing
Debt structuring and refinancing
Invoice financing

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Refinancing or restructuring

Loan assessments and proposals
Debt structure modelling and advice
Loan / lead origination and generation
Loan impairment stress testing / modelling
Debt consolidation / restructuring

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Trade finance

Negotiation of loan terms and conditions
Import / export financing
Supply chain financing
Foreign exchange risk management

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What makes us different

Collaborate with experts across diverse fields.

Effectively structure transactions for optimal outcomes

Extensive network of local and global financiers and investors.

Proven technical, expertise, industry knowledge and commercial acumen in capital & debt raisings.

Part of HMW Group integrated services

Exceptional international reach with Russell Bedford in 110 countries

40+ financiers

With accreditation from 40+ lenders, we work closely with mortgage providers to meet your financing needs.

Banks
Non-bank lenders
Private financiers
Alternative debt funders
High net worth individuals
Family offices
Mortgage and property funds

Nimble and agile

At HMW Finance, we understand your business and financial needs, handling complex negotiations so you can focus on what you do best. Our partners offer expert advice on structures and opportunities, while we assist with feasibility preparation and review.

Your financial goals
Time frame
Cost
Structure
Collaboration

Our approach

7. Coordinate with your professional support for settlements.

Establishes a smooth, accurate process and helps you meet all legal, financial,

and compliance requirements with confidence.

8. Complete managed drawdown and allocation of funds.

Making sure your financing is released

and distributed efficiently, supporting

your project’s progress while

maintaining financial control.

9. Manage debt covenants and reviews.

Helps you stay compliant with lender requirements, avoid penalties, and

maintain strong relationships with financiers.

1. Determine your funding objectives.

Clarify goals to guide your funding strategy.

2. Understand your project's value and debt capacity.

Helps ensure you’re seeking the right

level of funding and can confidently

manage repayments.

3. Clarity on funding paths and its benefits.

Empowers you to make informed

decisions that align with your goals

and financial strategy.

4. Understand financier's funding terms and expectations.

Helps you align your proposal with what lenders are looking for—improving your chances of securing the right funding

on the best possible terms.

5. Create clear, compelling funding proposals.

Communicate the value of your project effectively, increasing your chances of approval and attracting the right

financial partners.

6. Negotiate terms and conditions of finance.

Ensures you secure funding on terms

that align with your needs, protect your

interests, and support long-term

success.

7. Coordinate with your professional support for settlements.

Establishes a smooth, accurate process and helps you meet all legal, financial,

and compliance requirements with confidence.

8. Complete managed drawdown and allocation of funds.

Making sure your financing is released

and distributed efficiently, supporting

your project’s progress while

maintaining financial control.

9. Manage debt covenants and reviews.

Helps you stay compliant with lender requirements, avoid penalties, and

maintain strong relationships with financiers.

1. Determine your funding objectives.

Clarify goals to guide your funding strategy.

2. Understand your project's value and debt capacity.

Helps ensure you’re seeking the right

level of funding and can confidently

manage repayments.

3. Clarity on funding paths and its benefits.

Empowers you to make informed

decisions that align with your goals

and financial strategy.

4. Understand financier's funding terms and expectations.

Helps you align your proposal with what lenders are looking for—improving your chances of securing the right funding

on the best possible terms.

5. Create clear, compelling funding proposals.

Communicate the value of your project effectively, increasing your chances of approval and attracting the right

financial partners.

6. Negotiate terms and conditions of finance.

Ensures you secure funding on terms

that align with your needs, protect your

interests, and support long-term

success.

7. Coordinate with your professional support for settlements.

Establishes a smooth, accurate process and helps you meet all legal, financial,

and compliance requirements with confidence.

8. Complete managed drawdown and allocation of funds.

Making sure your financing is released

and distributed efficiently, supporting

your project’s progress while

maintaining financial control.

9. Manage debt covenants and reviews.

Helps you stay compliant with lender requirements, avoid penalties, and

maintain strong relationships with financiers.

Our experts

Every journey begins with a conversation.

Wondering how we can turn your vision into reality?

Tony Rickards

Partner

As part of HMW Group, we also offer

Business Advisory,
Accounting and Tax
Corporate Finance
and Funds Management
Financial Planning
and Wealth Management

Business Advisory,
Accounting and Tax

Business Advisory, Accounting and Tax

Accounting compliance and statutory reporting
Business performance and management reporting
Forecasting and modelling
Tax planning and structuring
Budgeting and cashflow
Business set-up and structuring
Strategic business planning
Bookkeeping

HMW Advisory

Corporate Finance
and Funds Management

Corporate Finance and Funds Management

Due diligence and transaction support
Valuations
Capital structure reviews
Financial modelling
Deal structuring
M&A and divestitures
Equity and debt capital raisings
Equity capital market strategy advice
Credit and financial assessments
Leveraged buy-outs
Fundraising and capital markets

HMW Capital

Financial Planning
and Wealth Management

Financial Planning and Wealth Management

Financial planning
Wealth creation and protection strategies
Retirement planning
Investment advice
Personal insurance
Superannuation advice
Self-Managed Superannuation Funds advice
Customised estate and succession planning

Strategic Solutions Australia