STAC Capital

STAC Capital STAC Capital are debt finance brokerage experts. Includes STAC Property, STAC Business and STAC Home.

Self-employed finance is not impossible. It is just read differently.Every lender interprets a self-employed business it...
02/09/2026

Self-employed finance is not impossible. It is just read differently.

Every lender interprets a self-employed business its own way, and policy shifts more often than most owners realise. What one lender declines on paper, another will approve on the same numbers.

If you have never had your position reviewed by a specialist, you probably do not know what is actually available to you.

01/09/2026

Buying your own premises is one of the better decisions a business owner makes. Getting a bank comfortable with it is a different exercise.

Confidence comes from the unglamorous things: bookkeeping that is current, tax returns that are lodged, and financials that tell a consistent story. Get those three right and the conversation moves quickly.

20/08/2026

Great to bring together Inertia Engineering, Judo Bank and McNab for a conversation on the current economic outlook and what it means for SEQ’s property and construction market.

Thanks to Warren Hogan, Scott Clements and Michael McNab for sharing their insights.

21/07/2026

Working capital can be trapped in invoices and supplier terms.

Trade/invoice finance can smooth cashflow so you can grow without waiting.

11/07/2026

Banks look at experience, capacity and a realistic plan for the first 12 months.

You need a plan that holds up under scrutiny.

02/07/2026

Freehold = property only. Going concern = property + operating business.

Lenders assess the lease/income and the underlying operation differently.

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When your usual lender says "yes, but it'll cost more."Every lender has a limit on exposure, by region, by builder, by s...
28/06/2026

When your usual lender says "yes, but it'll cost more."

Every lender has a limit on exposure, by region, by builder, by sector. When you hit that limit, the answer isn't no, it's a higher price.

That's a loan book balancing itself, not a deal pricing your risk.

25/06/2026

Funding should match your priorities: speed, flexibility, cost, and risk.

Good structure protects upside while managing downside.

24/06/2026

Labor’s housing plan is built to fail, and New Zealand already ran the experiment.
Remove negative gearing, tighten capital gains tax, and you don’t help first home buyers. You spook investors out of the market, the people who fund the rental supply and the new construction products that first home buyers usually have to buy into.
NZ tried almost exactly this in 2021, stripping interest deductibility from residential investors. Rents climbed, not the token few dollars a week the modelling promised. It worked so badly the incoming government reversed it, with full deductibility restored by April 2025.
There’s a deeper problem too. If building costs keep rising on the back of higher labour costs, but the policy goal is for house prices to fall, the numbers stop adding up. No developer funds construction at a loss, and no lender funds the developer. Supply dries up at the exact moment we need more of it.
You can’t tax your way to affordability. You build your way there.
What’s your read? Drop a comment.

Subdivision finance | $16.5M100% of net sale proceeds are typically swept straight to the lender.We negotiated this proj...
23/06/2026

Subdivision finance | $16.5M

100% of net sale proceeds are typically swept straight to the lender.
We negotiated this project's funding differently.

The "balance land" debt is maintained through the life of the project, so the developer keeps the surplus sale proceeds after each stage's construction-component debt is repaid. That frees up capital to work harder.

- $16.5M facility
- Major bank
- 65% of GRV exc GST
- BBSY + 1.6% margin, 1.50% line fee
- 0.50% establishment fee
- 30% pre-sale coverage

If you're running a staged project, how the facility treats surplus proceeds is worth structuring for. DM us.

Address

Level 13, 100 Edward Street
Brisbane City, QLD
4000

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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+611300007822

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