Delivering tailored capital solutions for property developers, investment groups, small businesses and corporate borrowers

For corporate and institutional borrowers with debt requirements of $15m+, or where bespoke capital advice is required, we provide independent advisory across the full debt lifecycle — from capital structuring and lender selection through to term negotiation, execution and ongoing facility management. This includes engagements with institutions, banks and non-bank financial institutions, helping clients secure fit-for-purpose funding while protecting stakeholder interests and covenant flexibility.

Advisory support for commercial real estate developers and investors navigating construction, development and investment facilities. We assist with feasibility-based structuring, presales strategy, lender selection and negotiation to secure funding aligned with project timelines and risk profile.

Bespoke debt structuring for complex transactions that fall outside standard lending parameters — including multi-tranche facilities, subordinated debt, and transactions involving unconventional security or cashflow profiles — designed to bridge the gap between borrower needs and lender risk appetite.

For operating businesses with lending and working capital needs of up to $15m, we support complex transactions through pre-lender engagement work including financial analysis, flow of funds analysis, complex security structures, and refinancing (ATO debt, private lenders, cashflow loans), working closely with clients’ external accountants throughout.

Funding solutions for residential, commercial and mixed-use property transactions, from single-asset purchases to portfolio refinances. We structure facilities across our lender panel — major banks through to non-bank and private lenders — to secure competitive pricing, appropriate LVRs and terms suited to the asset and borrower profile.

End-to-end funding support for residential, commercial and industrial development projects, from land acquisition and construction through to completion. We work with developers to structure facilities against feasibility, presales and stage-based drawdowns, matching each project with lenders who understand its risk profile and timeline.

Tailored debt solutions to support business expansion, acquisitions and strategic growth initiatives. We structure funding across senior debt, cashflow lending and asset-backed facilities to help clients fund transactions and growth plans without unnecessary dilution of equity.

Flexible funding facilities to support day-to-day operations, manage cashflow cycles and bridge short-term liquidity needs. We source solutions including trade finance, invoice finance and cashflow loans, structured around the operating rhythm of the business.

Funding for the acquisition of plant, equipment and other capital assets required to support business operations and growth. We structure facilities that align repayment terms with asset usage and cashflow, sourced across our panel of major bank and specialist equipment financiers.

Residential lending solutions for self-employed borrowers, business owners and clients with non-standard income or complex financial structures who don’t fit traditional bank serviceability criteria. We source alternative documentation, low-doc and specialist lending options across our panel, structuring finance around actual business performance and cashflow rather than payslip-based assessment alone.

WJ Finance Brokers Pty Ltd (CRN 571626 ) is an authorised credit representatives of LMG Broker Services Pty Ltd (ACN 117 651 760) (Australian Credit Licence Number 517192)

This information is for Wholesale Clients only, as defined in the Corporations Act 2001 (Cth). It is general information only, does not constitute financial product advice, and is not an offer or invitation to retail investors.

WJ Credit Income Fund

Allocate to private credit by leveraging the banking system, not competing with it. Co-invest in loans alongside Australian and international banks and get the same interest rates and security packages.

WJ Credit Income Fund gives Wholesale Clients direct exposure to the existing Australian syndicated bank loan market — loans originated and managed on balance sheet by major Australian and international banks.

Rather than building and managing a parallel direct-lending platform, the Fund invests directly in bank-originated and bank-managed loan facilities, ranking alongside institutional syndicate members with equivalent security and covenant protection. These are highly experienced, well-resourced institutions with significant leverage in negotiating terms. The Fund co-invests alongside them, receiving the same interest rate and security terms as agreed between the syndicate and the borrower.

The Fund’s target return is the RBA cash rate + 4% per annum (net of fees), targeted to be distributed monthly, subject to Fund performance and available liquidity.   Target returns are not guaranteed and may not be achieved. Investing in the Fund carries risk, including credit risk, illiquidity, and concentration risk. Please read the Information Memorandum in full before making an investment decision.

Important information

WJ Investment Management Pty Ltd ACN 694 122 962 (WJ Investment) is a corporate authorised representative (CAR) (CAR Number 1321189) of Boutique Capital Pty Ltd ACN 621 697 621 (Boutique Capital) AFSL 508011.

Any information or advice is general advice only and has been prepared by WJ Investment for individuals identified as wholesale investors for the purposes of providing a financial product or financial service, under Section 761G or Section 761GA of the Corporations Act 2001 (Cth). Any information or advice given does not take into account your particular objectives, financial situation or needs and before acting on the advice, you should consider the appropriateness of the advice, having regard to your objectives, financial situation and needs. If any advice relates to the acquisition, or possible acquisition, of a particular financial product you should read any relevant Product Disclosure Statement or like instrument and consult your own professional advisers about legal, tax, financial or other matters relevant to the suitability of this information.

Any investment(s) summarised are subject to known and unknown risks, some of which are beyond the control of WJ Investment and their directors, employees, advisers or agents. WJ Investment does not guarantee any particular rate of return or the performance, nor does WJ Investment and its directors personally guarantee the repayment of capital or any particular tax treatment. Past performance is not indicative of future performance.

All investments carry some level of risk, and there is typically a direct relationship between risk and return. We describe what steps we take to mitigate risk (where possible) in the investment documentation, which must be read prior to investing. It is important to note that risk cannot be mitigated completely.

Available to eligible Wholesale Clients only. General information only — not financial product advice, and not an offer to retail investors.