specialist lending solutions for TRUSTS, COMPANIES, SMSF`S, AND COMPLEX SCENARIOS
Not all loans are simple — and not all borrowers fit the banks' cookie-cutter model.
At Edgewater Finance, we specialise in arranging finance for complex ownership structures, non-standard income, and borrowers who need more than just a basic loan. Whether you’re buying through a trust, company, SMSF, or using multiple entities, we understand how to structure lending to match your strategy — not fight it.
who we HELP
We arrange loans for:
- Discretionary / Family Trusts
- Unit Trusts & Hybrid Trusts
- Companies (Pty Ltd, Corporate Trustee structures)
- SMSFs
- Joint ventures and multi-party ownership
- Borrowers with complex income (self-employed, multiple entities, foreign income)
- High-net-worth individuals with non-conforming profiles
why use a TRUST OR COMPANY TO BORROW?
There are many reasons clients borrow through structures other than their own name. These include:
- Asset protection
- Tax planning and income splitting
- Buying property within a family trust
- Using an SMSF to purchase investment or commercial property
- Separating personal and business ownership
- Managing property jointly across multiple parties or investors
The key is getting the finance structure right from day one — and that’s where we come in.
lenders don't always understand complexity — BUT WE DO
Many bank credit teams lack the knowledge or flexibility to assess complex borrowers. We have access to lenders who specialise in:
- Trust and company lending
- Low doc or alt doc loans for self-employed borrowers
- Non-resident and expat lending
- Multiple income sources across various entities
- Cash flow lending based on business performance, not just tax returns
Case Study
the STRUCTURED INVESTOR
Client Profile:
Angela and her husband run three businesses under a trust/corporate group and wanted to buy an investment property through their family trust. The bank said no due to “too much complexity.”
What We Did::
- Mapped income across trust, company, and personal distributions
- Engaged a lender that understands trust income flows
- Structured the loan with a corporate trustee as borrower and personal guarantees
- Delivered approval within 7 business days
“Edgewater understood what our accountant was trying to achieve and got it done fast. The banks didn’t stand a chance.” – Angela R.
FAQs - TRUST & COMPLEX LOANS
Can I borrow through a family trust?
Yes. Many lenders support borrowing through trusts — especially with a corporate trustee and personal guarantees. Loan structure and documentation are key.
Will the lender assess trust income?
Yes — but how they assess it varies. Some lenders only look at distributions; others can consider retained profits, trust tax returns, or even future income. We guide you to the right match.
Can I still get a low doc loan through a trust or company?
Yes. Some lenders accept alt doc or low doc applications even under trust/company structures — using BAS, bank statements, or accountant letters.
Do all directors or beneficiaries need to be involved in the loan?
Not always. In many cases, only directors or appointors need to act as guarantors. We’ll advise based on your structure.
What if I own multiple properties across different entities?
We work with portfolio investors who use various entities and complex structures. We’ll map out the ownership, equity, and serviceability across the group and build a tailored finance strategy.