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Finance

Commercial property loansRooming house & co-living fundingBusiness acquisition loansBusiness loansBuying your business premisesSMSF commercial property loansDevelopment & construction fundingBusiness debt restructureInvestment portfolio restructureAll finance →

Consultancy

Business acquisition consultancyBuying your freehold consultancyProperty development consultancyAll consultancy →

Guides

How much deposit to buy a businessCommercial property deposits, LVR & ratesBuying an accounting practiceBuying a bakery or cake shopBuying a mechanical workshopBuying a pharmacyBuying a caféBuying an insurance brokerageRooming house land tax, VictoriaChoosing a finance brokerAll guides →

Introducing Priyank Thakkar

Your expert in commercial property, rooming house and business acquisition finance.

Straightforward or complex. Your deal, not just your loan. A clean purchase with the deposit in hand, or a multi-entity structure a lender has to be walked through: both are read the way a credit committee reads them, because I assessed files inside the banks before I arranged them. $400,000 to $10 million+ across banks, non-banks and private credit.

Rooming houses: up to 80% LVR, for the build, not just the takeout.

A progressive-draw construction facility through a lender on our panel, from September 2026; purchases and conversions at the same gearing. Subject to valuation and the lender’s servicing criteria. Rooming house finance →

Seven minutes with Priyank. No lender sees anything until you say so. By the end of the call you’ll know what stands between you and the funding, and exactly what to have ready.

Member, Finance Brokers Association of AustraliaMember, Australian Institute of Business Brokers
Priyank Thakkar, commercial finance broker and property developer
  • Ex commercial credit assessor
  • Ex bank lending manager
  • Property developer, 10+ projects
  • 12+ years in lending
  • MCom (Professional Accounting)
  • Melbourne based, Australia wide

Credit roles held at Bank of Melbourne and La Trobe Financial.

Before you sign

  • Know before you sign: 30 minutes tells you how we would fund your deal, and what it would take. No cost, and no lender sees anything until you say so.
  • An Action Plan in one business day: the funding pathway, an indicative pricing band, and the finance-clause date your contract needs.
  • Zero risk on the fee: refunded in full if we don’t secure the offer in your plan. Our consulting fee is quoted before you decide, and any lender commission comes at settlement.

The numbers

  • Up to 100% on business and commercial transactions
  • 90% with no LMI (the insurer’s fee lenders add above 80%), under professional policies
  • Transactions $400,000 to $10 million+

Subject to lender criteria, security position and eligibility.

What we fund

Three things. Straightforward or complex.

Commercial property purchases, rooming houses and business acquisitions. A clean file gets the right lender and a fast yes; a complex one gets a structure that settles.

From a clean single-entity purchase to a multi-entity structure: the same broker, the same process, the same fee model. A straightforward file is not a smaller job. It is a shorter one.

Commercial property purchases

Straightforward: an owner-occupier or investment purchase, one entity, deposit in hand, clean financials. The right lender at the first attempt, a structure that keeps your next purchase open, and settlement in three to four weeks once documents are complete.

Complex: the premises held through your SMSF, a unit trust with unrelated partners, a freehold bought together with the business, or a portfolio re-cut to make room for the purchase.

Commercial property loans →
Buying your premises →

Rooming houses

Straightforward: a registered, tenanted Class 1B rooming house bought as a going concern, at up to 80% LVR.

Complex: a site bought, built under a progressive-draw facility at up to 80% LVR and refinanced on its completed value, with the land tax exemption planned from the first week. Victoria only, arranged by a broker who has built them. Subject to valuation and the lender’s servicing criteria.

Rooming house finance →

Business acquisitions

Straightforward: a profitable business with two years of clean financials, the deposit in hand and a lease that outlasts the loan.

Complex: a multi-entity acquisition with vendor finance, a freehold funded alongside, a lease to renegotiate and a price that has to be tested before you offer.

Business acquisition finance →

On a clean file the difference we make is which lender, which structure and how fast. On a complex one it is whether it settles at all. Beside the three: development and construction finance, business debt restructure, investment portfolio restructure, and paid consultancy before any lender sees the deal. Subject to lender criteria, security position and eligibility.

Start here

Eight ways this conversation usually starts.

Find the one that sounds like you. Each goes straight to what that deal needs, what it costs and who it suits.

AcquisitionI am buying a businessBuyers of established businesses, first purchase or the next one, straightforward or complex, on transactions from $400,000 to $10 million+.Business acquisitionStart hereCommercial propertyI am buying commercial propertyBusiness owners buying the premises they trade from, and investors buying offices, warehouses, retail, medical and mixed-use property, from a clean single-entity purchase to a multi-entity structure, $400,000 to $10 million+.Owner-occupier or investmentStart hereWorking capitalI need funding for the businessBusiness owners and buyers borrowing $400,000 to $10 million+, from a first acquisition to a portfolio of facilities that has never been looked at as one position.Business lendingStart hereRestructureI already carry debtEstablished business owners whose facilities were priced against a smaller, younger version of the business.Debt restructureStart hereSMSFMy fund is buying propertyBusiness owners and professionals with a self-managed super fund, or ready to establish one.SMSF lendingStart hereDevelopmentI am building or developingProperty developers and builders, from first project to multi-stage, assessed by an adviser who develops on his own account.Development financeStart hereRooming houseI am doing a rooming houseProperty investors and developers buying, building, converting or completing rooming houses in Victoria, from a tenanted purchase to a ground-up build.Co-living financeStart herePortfolioMy portfolio has stalledEstablished investors holding three or more properties across personal, trust, company or SMSF names.Investment lendingStart here

Not sure which one? All services lays them out side by side, and the Action Plan starts with the same question.

The levers in a lending outcome

Every lender moves one. We move all eight.

The interest rate is the one lever you are ever shown. It is also the one that moves least.

Tap a lever to see how we work it

The part nobody says out loud

The deposit was set by the lender’s limits. Not by yours.

The deposit you were quoted was set by what a bank can secure, not by what you can afford, and almost nobody is working on that for you.

The 30% deposit you have been quoted on a business purchase has nothing to do with you. A bank can secure bricks. It cannot secure goodwill, so it lends against the part it can hold, and asks you to find the rest.

The rate on a facility written three years ago has nothing to do with you either. It was priced against the security position you held then. No bank has ever rung a customer to say their risk has improved.

Same mechanism, two costumes. One arrives as cash you have to find before you can move. The other arrives every month, quietly, for twenty years.

Under 5% of small business lending in Australia is unsecured, and about half of it is secured against residential property. The security question is not a detail of your deal. It is your deal, and it is the one thing almost nobody is working on for you.

Source: Reserve Bank of Australia data on small business credit.

What most people do

Four ways to close the gap. All four leave the same thing untouched.

Your own bank, another broker, more cash or a smaller deal all change who reads your file. None of them changes the file.

The four waysThe same file→ the same answer, four times
Your own bankA broker who shops itCash from your pocketWait, or buy smaller
PrevailThe file, rebuilt→ a different answer
In-depth due diligenceThe real number before you sign. Not after.
Lender-side experienceThe committee’s questions, answered before they are asked.
Credit policy, read from the insideThe file built to the lender’s own policy: a fast yes when it is clean, a fair reading when it is not.
Transaction structureEntity, security and sequence set before lodgement, not repaired after.
Professional networkFBAA and AIBB channels, so the right desk hears the case.
Named market dataSQM Research, IBISWorld, Cotality and ABS behind the valuation, not hope.

Go to your own bank

They know you, they are quick, and they will say yes inside their own box. One policy, one view of your security, one answer. If it is no, you have learned nothing you can act on.

Use a broker who shops it around

More lenders see it. But the same file goes to all of them, so it is the same questions and the same answer, four more times.

Find the cash yourself

A bigger deposit, family money, sell an asset. It works, and it is the most expensive capital you will ever use.

Wait, or buy something smaller

The only option nobody calls a decision. It is usually the one people take.

Every one of those changes who reads your file.
None of them changes the file.

Before you talk to anyone

Agree on what a real answer has to do.

A real answer changes what the lender sees, reads everything you hold at once, tells you the truth before you spend, and refunds if it is wrong.

Change what the lender sees

How the deal is put together and what secures it, not just the letterhead on the application.

Look at everything you hold, at once

This deal should not be built in isolation from the facilities you are already carrying.

Tell you the truth before you spend money

Including whether the thing you are buying is worth what they are asking.

Put its own money behind the answer

Anyone will promise you an outcome. Fewer will refund one.

A broker who cannot do all four is an interest-rate comparison with a phone number.

What we actually are

Not an interest-rate broker. A structuring firm.

We look at the whole position, not one loan. We work every lever a lender moves. And we do it with you, as one team, toward the goal you came in with.

The interest rate is the last thing a lender decides and the first thing a comparison site shows you. Structure, security, serviceability and valuation are decided before it, by how the file is built, on a clean file as much as a hard one. We arrange across the whole market for that reason: major banks, non-bank lenders and private credit, chosen by fit, so when settlement is tight or the deal sits outside standard policy, the pathway changes rather than the answer.

If we don’t secure the offer set out in your Action Plan, your fee is refunded in full.

Your Action Plan is written and handed to you once you have accepted the quote. It names the structure, the lender class, the terms we are working to and the timeframe. If we don’t get you there, you don’t pay us.

If you decide not to proceed, or your circumstances change materially, we hold your fee as credit for twelve months. Full terms are given to you in writing before you accept the engagement.

Pillar one · The work

No interest rates on this site.

Every lender moves one lever. We work eight, and the interest rate is the one that moves least.

Every lender moves one lever. We move seven, and then an eighth nobody else touches.

Structure

Which entity holds it, how the security sits, and what that does to your capacity three purchases from now. Modelled internally before we approach a single lender.

“Understands structuring funding of a corporate entity like no one else does.”

Ghanshyam Chavda · Unit trust purchase

LVR

LVR is the share of the price a lender will fund. The published number is an opening position, not a limit. Up to 100% on business and commercial transactions with no additional security. 90% with no LMI where a professional policy applies. Subject to lender criteria, security position and eligibility. See the deposit workings, sourced and dated.

“Because my wife works as a nurse, they were able to tap into a specialized nursing policy that secured us an incredible 90% loan-to-value ratio with zero Lenders Mortgage Insurance (LMI).”

Jay Patel · Owner-occupied purchase

Serviceability

The add-backs an assessor will actually allow, and the income story the policy can see. One year of financials instead of two, where the lender’s own policy allows it.

“They went way beyond what a standard finance broker would do, managing to secure a massive exception with NAB to approve us on just a single year of business financials.”

Saurabh Patel · Business owner

Valuation

Most brokers accept the number and pass it on. We arrange a separate valuation and challenge the lender.

“Our land came back about $26,000 short across three separate lender valuers, which threatened the whole loan. Most brokers would have accepted it. Priyank didn’t.”

Ami Gandhi · Land and build

Speed

A file that answers the credit committee’s questions before they are asked does not go back and forth.

“From application to unconditional approval in under 48 hours.”

Hansa Bhatol · Refinance

Fees

The interest rate is one line in the cost of funds. Application fees, establishment fees, valuation fees, legal fees, exit and break costs are the others, and every one of them is negotiable when someone who has sat on the lender’s side does the negotiating. We work the whole stack down, because what you actually pay is the total, not the headline.

See how the whole cost stack works →

Tax efficiency

Set up with your accountant in the room, before lodgement, not explained to them after settlement.

“He prepared a colour-coded scenario spreadsheet modelling our purchase prices across three family contribution structures, so we could see exactly what we could afford each month.”

Vishal Makadia · Health professional, corporate entity

Built by default

Purpose
One facility, mixed purpose
Entity
One name on everything, whoever earns the income
Sequence
Settled first, redrawn later, so every repayment is apportioned

Deductions leak at every open jointmixed-purpose · wrong entity · apportionment lost

Built for tax

Purpose
Three splits, one purpose each
Entity
Each signed by the entity that earns from it
Sequence
Split and signed before settlement, so nothing needs apportioning

Sealed before lodgementyour accountant in the room, not told afterwards

Same borrowing, same dollars. The only difference is which entity signs, and in what order, decided before lodgement, not discovered at tax time.

Illustrative. The structure is settled with your accountant; we arrange the credit around it.

Then one more, which isn’t a lending lever at all.

Most brokers start work once you have agreed what you are paying. We would rather start before.

“He took it directly to the developer and their lawyers and negotiated $12,350 off our land contract price.”

Kalpesh GandhiLand and build

“They also helped me to renegotiate the price of the house and saved $10,000.”

Hunaid UdaipurwalaOwner-occupied purchase

“He personally led the negotiation with the selling agent, securing the property well below the advertised price range through a methodical, evidence-based approach.”

Hansa BhatolInvestor

The interest rate is the only lever most people are ever shown. It is also the one that moves least. Subject to lender criteria, security position and eligibility.

Pillar two · The whole position

The deal in front of you is not the only thing on the table.

The facility you already hold is usually the reason the one you want now is difficult, so we read the whole position, not one transaction.

Most people bring us one transaction. We look at everything you hold, because the facility written in 2019 is usually the reason the one you want now is difficult.

“I’d been to several lenders and brokers before this, and none of them could get me to a loan amount that equated to buying a house… I’m a senior analyst at a Big Four firm. I work with numbers every day and I still couldn’t see the structure that made it work.”

Vipul ChanderSenior analyst, Big Four firm

“Rather than looking at my purchase in isolation, he took our entire family property portfolio and restructured it: repositioning the debt across the holdings, releasing equity that was sitting idle, and refinancing onto sharper rates as part of the same exercise. My parents finished better off than they started.”

Vipul ChanderUnconditional approval in 48 hours

Portfolio restructuring applies to established multi-property positions. It is not a guarantor arrangement and it is not a route into a first purchase.

Pillar three · The truth first

Before we fund it, we check it’s worth funding.

Before funding a purchase we test whether it is worth buying, with named industry data, an operator’s read of the books and a credit assessor’s questions.

Forensic due diligence. We go through what you are buying the way a lender never will, because a lender only asks whether the debt can be repaid, not whether the business should be bought. It runs on three things most brokers do not have.

Industry benchmarks

We draw on an Australian IBISWorld subscription, ABS statistics and AIBB BizStats transaction records, the research banks, valuers and accountants rely on. Before you commit, we test the vendor’s numbers against how that industry actually performs: real margins, real outlook, and the pressures a seller has no reason to raise.

An owner’s read of the books

Priyank bought a hospitality business, the thinnest margins and the worst survival odds in the country, rebuilt it to profit in eighteen months, and sold it for two and a half times what he paid. He does not read a P&L hopefully.

A commercial credit assessor’s read of the risk

Years assessing files at Bank of Melbourne and La Trobe Financial on portfolios above $5 million. The questions a credit committee would ask, asked while you can still act on the answers.

A client came to us to fund a business advertised at $1.2 million. The documents and questions we required surfaced information the buyer did not have. We assisted to negotiate the same business for $650,000.

That is $550,000, found before settlement, by asking questions.

Shared with the client’s consent. Outcomes depend on the individual transaction and what the documents disclose.

And the same work strengthens your application. Named industry data in the credit submission answers the assessor’s first question before it is asked: is this sector one we want exposure to?

Why Prevail

Four chairs. Most brokers have sat in one.

Banker, operator, developer and borrower. Most brokers have sat in one chair. Your file gets all four.

01

Banker

Years inside the banks assessing other people’s files: Senior Credit Advisor, then Lending Manager at Bank of Melbourne with a delegated lending authority, then Commercial Credit Analyst at La Trobe Financial on portfolios above $5 million.

What it changes for you

Your file arrives having already answered the three questions the committee was going to ask, in the language of that lender’s own credit policy. On a clean file that is a fast yes at the right lender. On a hard one it is how a policy limit becomes a question rather than a verdict.

See it done: two files, written up in full →

“At the critical point before settlement, he secured a policy exception from the lender that I’m told is granted only in the rarest of cases.”

Yash Luthra · Buyer’s advocate
02

Operator

He bought a hospitality business, the category with the thinnest margins and the worst survival odds in the country, rebuilt it to profit inside eighteen months, and sold it for two and a half times what he paid. He has founded and run businesses in three other industries since 2016, all of them alongside Prevail.

What it changes for you

When you bring him a business you are about to buy, he is not reading those financials as a lender. He is reading them as someone who has had to make a set of numbers like that work on a Tuesday morning. That is what the due diligence is built on, and it is why it finds what it finds.

“He also helped me secure a business loan to purchase a new business.”

Mukesh Sharma · Business owner & seasoned property investor
03

Developer

Ten-plus completed projects of his own: townhouses, subdivisions, rooming houses, co-living. He is still building. He is still borrowing to do it.

What it changes for you

He can tell you the feasibility is wrong before a lender does, and tell you what a site is worth after you own it, not just what it costs today.

“Then he walked the block with me. Pointed out four different ways to add real value… He ran the financial feasibility on every one. Even with my construction background, two of those four hadn’t crossed my mind.”

Sachin Patel · Tradesman
04

Borrower

A valuation on one of his own projects came back short. The options he was handed were the ones every borrower gets: find the difference in cash, renegotiate the price, or walk away. He did none of them. He restructured the deal and put a case to the lender for an exception above their standard LVR. They granted it. That was the first exception he ever won, on his own file, with his own money at risk.

What it changes for you

When your valuation comes back light, you won’t hear “that’s the market” from us. You’ll get the question he had to ask himself that week, not is this deal dead, but what would have to be true for it to work.

“He proactively arranged a separate valuation from a top-tier firm, which confirmed the contract price, then challenged the lender until they corrected their figure and approved the loan we needed.”

Ami Gandhi · Land and build

Your file gets all four.

12+

Years in lending, unbroken since 2014

Both sides

Of the credit desk

10+

Developments completed, his own

2.5×

Business bought, rebuilt, sold

65+

Lenders on panel

50+

Private funds & JV partners

2017

Established

50+

Five-star Google reviews

The founder

Priyank Thakkar.

Twelve unbroken years in lending since 2014, and a chapter on empathy co-written with former FBI negotiator Chris Voss.

Since 2014 he has not spent a single year outside finance and lending: broker, Senior Credit Advisor, Bank Lending Manager, Commercial Credit Analyst, and back to broking. Different chairs, one industry, twelve unbroken years. Everything else was built beside it.

Priyank Thakkar, founder of Prevail Finance
Featuring Chris Voss
& Priyank
Thakkar
Lead with Empathy

Co-author, Lead with Empathy, with Chris Voss

Priyank joined former FBI lead international hostage negotiator Chris Voss, author of Never Split the Difference, and professionals from around the world as a co-author of Lead with Empathy. His chapter is The Currency of Empathy.

Empathy is not softness. It is accuracy: telling someone the truth in a way that preserves their dignity. It is the discipline this firm runs on: listen first, then structure.

Read Priyank’s story →

He negotiated $200,000 off the purchase price before we went to any lender, set the trust structure up properly first, and refinanced my home loan to release the equity. My home settled on 26 September 2023 and my workshop settled ten days later.
Simarpreet SinghOwner, Singh Car Repairs · from his Google review, August 2026 · Read the full story →

How it works

Six steps. You pay at step four.

Six steps. Nothing to pay until step four, and only once we know we can deliver.

1

A seven-minute call with Priyank

What you are trying to do, and what is in the way. No documents.

2

We send your credit guide and document list

We will need your numbers before we sit down. Nobody can give you a real answer without them.

3

We build your financial position

Our team compiles and verifies everything and produces a written snapshot and scenario model of where you actually stand. This is unpaid work, and it happens before you have committed to anything.

4

The meeting, and your quote

Thirty minutes with Priyank, your position read the way a credit committee will read it. The meeting itself is at no cost to you. If we can see we are able to deliver what you need, we quote and charge the consulting fee at that point. If we cannot, we say so and there is nothing to pay.

5

We discuss your options, with the Action Plan

The structure, the lender class, the terms we are working to and the timeframe. We walk you through the options together and what each one changes for you.

6

We engineer the file, run the lenders, and manage it to settlement

You are updated weekly at minimum, whether or not there is news.

If we can’t help, you still leave with a plan. What has to change, and over what period (usually one to six months) so that when you come back, we can.

Nothing to pay until step four, and only once we know we can deliver.

Capability

How far the right structure goes.

Where an engineered position can reach, deal and policy dependent: up to 100% on commercial purchases, development without presales, 80% on rooming houses.

What the market treats as the limit, and where a properly engineered position actually reaches.

Commercial purchase

A 25–35% deposit, or your home pledged as extra security

Up to 100%: no additional securityDeal and policy dependent. Includes professional policies for practice premises.

Business & start-up funding

Two years of financials, or no conversation

Up to 100%Case by case, structure and security dependent.

Development funding

Presales before funding

No presales (buyers signed up before construction starts)Case-by-case at major banks for the right sponsor; non-bank and private credit where speed or gearing matters.

Development cost

Bank pathways sit lower

Up to 80% LVR of total development costThrough non-bank pathways.

Rooming houses

Most lenders won’t touch them

Up to 80% LVR, construction includedPurchase, conversion or a progressive-draw build, through a lender on our panel. Subject to valuation and the lender’s servicing criteria. Victoria, where we build them ourselves.

SMSF commercial

A shrinking lender pool

Up to 80% LVRAgainst business real property, subject to fund liquidity.

Debt restructuring

Set-and-forget facilities

Whole-position restructureSMSF, commercial and business debt repositioned to free cashflow and cut interest cost.

Asset & vehicle finance

Two years of trading history first

From 12 months of ABNEquipment, business vehicles and asset finance.

Private capital & JV

Bank pathways only

Private funding and JV pathwaysFor speed, for gearing, or for a deal a bank cannot hold.

Beyond finance: the right people, introduced.

Deals succeed on teams. Accountants, lawyers, town planners, builders, buyer’s advocates. We introduce you to specialists we already trust. Before Prevail, Priyank ran Mandav Studio for four years, an architectural visualisation practice whose clients were developers, architects, builders and agents across Australia, the United States, the United Kingdom and Europe. That is the network, and it is also the guest list for Seekers+.

If your deal does not fit a row above, that is usually where we start. All outcomes subject to lender criteria, security position and eligibility.

What we do

Eleven engagements. One standard.

Buying, building, fixing, and paid advice before any lender sees the deal.

Business and commercial transactions from $400,000 to $10 million+, Australia wide, straightforward or complex.

Buying something

Building something

Fixing something

Paid advice, before any lender

Straight answers

Fair questions.

Fees, the refund commitment, your credit file, speed, and where we work, answered straight.

What does Prevail Finance actually do?

We are a commercial finance brokerage in Melbourne, working Australia wide. We arrange finance for three things: commercial property purchases, rooming houses in Victoria, and business acquisitions, from a straightforward single-entity purchase to a multi-entity structure, $400,000 to $10 million+, across major banks, non-bank lenders and private credit. We also fund development and construction, restructure business debt and investment portfolios, and advise, for a fee, before any lender sees the deal. Priyank Thakkar assessed and approved lending inside the banks before he arranged it, has bought, rebuilt and sold a business, and develops property on his own account.

Do you only take on complex deals?

No. A clean owner-occupier purchase, a tenanted rooming house or a profitable business bought with the deposit in hand is as much our work as a multi-entity structure. The process is the same and shorter: a straightforward business or commercial file typically settles three to four weeks after the documents are complete. What we bring to a clean file is the choice of lender, the structure that keeps your next move open, and a submission written the way that lender’s credit team reads it, which is the difference between a fast yes and three weeks of questions.

Why pay a consulting fee on a straightforward deal?

Because the fee buys judgement, not paperwork, and the judgement is the same on every file. Priyank has sat in four chairs: business owner who bought a loss-making business, rebuilt it and sold it for two and a half times what he paid; developer with ten-plus completed projects; bank lending manager and commercial credit assessor who approved other people’s files; and broker, with entity and trust structuring at the centre of the work. On a clean file that shows up as the right lender at the first attempt, a structure your accountant agrees with before lodgement, and the whole cost stack negotiated rather than the headline rate. The fee is quoted in writing at step four, fixed once quoted, and refunded in full if we do not secure the offer set out in your Action Plan.

Do you charge a fee?

Yes, on the work we take on, and we publish what it costs. Everything up to and including your Action Plan meeting is at no cost to you: the seven-minute call, the document review, the financial position we build for you, and the thirty minutes with Priyank. Our fee is quoted in writing before you decide. See what it costs.

What is the refund commitment?

If we don’t secure the offer set out in your Action Plan, your fee is refunded in full. The Action Plan names the structure, the lender class, the terms we are working to and the timeframe, so the refund commitment is testable rather than a slogan. If you decide not to proceed or your circumstances change materially, we hold the fee as credit for twelve months.

Will talking to you affect my credit file or my chances with a lender?

No. We don’t lodge anything, and no lender sees your file until you decide to proceed, and we will ask you first.

Do you do standard home loans?

Not as a standalone service. Home and investment lending is work we do for clients whose file also carries business, commercial, rooming house or entity work, where the home loan has to be structured around the rest. A salaried home loan on its own, at the sharpest advertised rate, is a real service; it is not ours, and we will point you somewhere good.

Do you only work with the major banks?

No. We arrange across the whole market: major banks, non-bank lenders and private credit, chosen by fit rather than by habit. A clean file usually belongs at a major bank at the sharpest pricing. Non-bank and private pathways earn their place when settlement is tight and a mainstream approval cannot land in time, when the security or the structure sits outside standard bank policy, or when speed or gearing is worth paying for, as on development and rooming house construction. Private pathways are priced for speed and flexibility rather than the sharpest headline rate, and we say so before you commit. Subject to lender criteria and security position.

Where do you operate?

Melbourne based, working Australia wide. We have particular depth in Melbourne, Geelong, Hobart and Adelaide. What actually differs by market → Rooming house and co-living work is Victoria only, because the licensing and land tax rules that make those projects work are Victorian instruments.

Can you fund a rooming house build at 80% LVR?

Yes. From September 2026 a lender on our panel funds the construction of a Class 1B rooming house at up to 80% LVR through a progressive-draw facility, with purchases and conversions at the same gearing, subject to valuation and the lender’s servicing criteria. Most lenders will not fund the construction of a rooming house at all. Priyank has built, licensed and run them himself, so the file is prepared the way that lender’s credit team reads it. See rooming house finance.

How fast can you move?

Speed follows the file. Files we have engineered have reached unconditional approval in 36 and 48 hours, both from published client reviews. Enquiries get a response within four business hours.

Why through Prevail

The parts you don’t have to take on faith.

Nothing reaches a lender until you approve it in writing. Australian Credit Licence 509527, held directly.

Nothing reaches a lender until you approve it in writing.

Unconditional approvals in as little as 48 hours, client-reported.

Fee refunded in full if the Action Plan offer isn’t secured.

Australian Credit Licence 509527, held directly, not leased.

Next step

The next lender will read your file in minutes. Have it read properly first.

Seven minutes on the phone to start. Nothing lodged, nothing on your credit file.

Start your Action Plan →

30 minutes with Priyank, at no cost. We review your position and discuss how we will approach funding your deal. No lender sees anything until you say so.

Member, Finance Brokers Association of AustraliaMember, Australian Institute of Business BrokersACL 509527Held directly, not leased

Memberships verifiable with each body

Start your Action Plan