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Client Stories · Commercial Finance Case Study
How a Brisbane Pharmacist Refinanced a Trust Structure and Funded a Second Pharmacy
Sonny Singh
Can I refinance and borrow to expand when my business is held in a company trust structure?
Yes. Complex ownership inside a company trust is exactly where many lenders lose confidence, but a specialist lender that understands the medical industry and reads years of continuous growth in the financials will support it. By moving this Brisbane pharmacist to a lender comfortable with the structure, we refinanced $1,075,000, cut the interest cost on their residential debt, and freed the funding to buy a second pharmacy.
A self-employed pharmacist in Brisbane came to us wanting to do two things at once: refinance their existing residential property and business, and raise the funding to purchase an additional pharmacy. The business was strong and growing, held within a company trust structure with multiple ownership.
That structure was the sticking point. The client’s existing lender, and several others, were not comfortable with the company trust and the multiple ownership inside it. Without a lender that could get comfortable, the client risked missing the expansion opportunity in front of them, and staying on a more expensive residential rate than they needed to.
We recognised the structure was out of scope for the client’s current lender and explored lenders genuinely comfortable with the complexity of the trust ownership.
We placed it with a lender able to accept the financials and structure, on the strength of the client’s years of continuous growth and standing in the medical industry.
We worked with the owners, the accountant and the solicitor to keep the whole transaction seamless from lodgement to settlement.
Key Case Study Figures
The client came to us feeling their goals were out of reach. We found a lender that would back the structure, refinanced the residential debt at a better rate, and funded the expansion - lodged to approved in a single day and settled inside the deadline to secure the new pharmacy. A growth plan that had stalled was moving again.
“It was an excellent experience going through NCFS for my house refinance. They are very efficient with quick responses. They were able to get my refinance through although it was difficult and a lot of work. Would recommend to everyone.”
Verified client · Google review
Yes. Not every lender is comfortable with complex or multiple ownership, but specialist lenders assess the financials and the structure together. Matching you to one of them is often the whole game, as it was here.
Often, yes. The same transaction that refinances your existing debt can release the funding for your next acquisition. Here it repriced the client’s home loan and financed a second pharmacy together.
Some do, favourably. A track record of continuous growth in the medical and pharmacy sector can give a specialist lender the confidence to support a structure others decline.
Outcomes depend on individual circumstances and are not a guarantee of future results. This is not credit advice. Any rates or figures mentioned are historical, reflect this client’s lending at the time of settlement, and are not an offer or quote.
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