Case study: bespoke financing for personal investment

Case study

The brief

Many of our clients have personal income tied to business earnings, and this can make it challenging to obtain traditional finance when they want to take advantage of new personal investment opportunities. A Macquarie client had sold their professional firm to a large global firm but continued working for them as a senior executive. They asked their Macquarie relationship manager to provide a highly tailored approach to make the most of their cash flow over the short to medium term so that they had more options for the future.

The challenge

Under the business sale agreement, in addition to a salary, the client would receive ongoing commissions on renewal of a number of large client policies for a number of years. These significant sums were unpredictable and once the agreement ended they would lose this source of income. The client wanted to invest in property to build up a portfolio he could then divest later if needed.

The Macquarie difference

The client had banked with Macquarie for over 20 years, so their relationship manager knew their business and client base well and could take a holistic view of their true financial position. Macquarie developed a bespoke, structured facility that let them purchase properties when the right opportunities emerged.

We helped this long-standing Macquarie client make the most of his income to build his personal wealth for the future, by taking a tailored and flexible approach to his asset financing facility.

The outcome

We took the time to really understand our client’s business and goals. By creating a flexible loan facility that met the client’s needs, we helped them to meet their investment objectives. Once the client’s income stream levels off, they will be able to pay off their financing by selling some assets, and keep the rest debt-free as a source of revenue. By making the most of the client’s unpredictable but sizeable cash flow in the short to medium term, they also have more options for the future.

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The case studies and examples provided on this page are based on actual de-identified client circumstances. They have been included for illustrative purposes only, without taking into account any individual's personal objectives, financial situation or needs.

The information on this page has been prepared by Macquarie Bank Limited ABN 46 008 583 542 (AFSL and Australian Credit Licence 237502) and does not take into account your objectives, financial situation or needs. Before making any financial investment decision or a decision about whether to acquire a financial, credit or lending product, a person should obtain and review the terms and conditions relating to that product and also seek independent financial, legal and taxation advice. All applications are subject to Macquarie’s standard credit approval criteria. This information is intended for recipients in Australia only.