A focus on protecting non-bank lender capital

Expert legal advice in private credit

A specialist private credit law firm acting exclusively for non-bank lenders and capital providers in Australia and New Zealand. Our work is grounded in enforcement and recovery‑informed structuring.

Recovery Default Strategy Secured Property Recovery Unsecured Debt Recovery Litigation

Advances Due Diligence Loan Documentation Certification Settlement Securities Registration

Insolvency Insolvency Liquidation Voluntary Administration Creditor Strategy Distressed Recovery

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20,000+

loans written for lender and investor clients

$3.7B

managed for lenders last 12 months

2,500+

successful recovery actions completed

180

due diligence checklist items for loan resilience

3 hours

minimum time required to draft documentation*

Built for non-bank lenders and capital providers

Direct in our guidance, precise in our work, and grounded in the realities our clients operate in.

*depending on complexity / information availability

Recovery

Enforcing Security Following Borrower Default

The decision provides useful guidance for lenders or asset financiers facing a familiar challenge: recovering vehicles, equipment and other financed assets secured by a chattel mortgage when a borrower defaults or enters insolvency.

Blake Palmer

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Recovery

When a Conflict Isn’t Enough: Refinancing, Borrower Vulnerability and the Limits of Unconscionability

Can a $14.15 million refinance be set aside because a solicitor acted for both lender and borrower? In CPF Group v Everest Index International, the Supreme Court of New South Wales said no. Despite an admitted conflict of interest, the Court upheld a refinancing transaction, rejected claims of unconscionable conduct, and awarded possession in favour of the lender. For lenders, the decision reinforces the importance of a transaction’s purpose, documenting it adequately, and identifying a commercial benefit when putting refinance transactions together.

Blake Palmer

Recovery

Mortgage Enforcement Lessons from Patel and Confos

Lenders need to know whether they can enforce their security and recover their money if a loan defaults. Two recent NSW Supreme Court decisions show why that depends on both the documents and the circumstances in which the borrower and guarantors signed them.

Paul Reese