Private Credit
“Ecosse are one of the few non-bank lenders in the agricultural sector, providing a credible alternative for borrowers and strong risk adjusted returns for our investors.”
We see a variety of reasons a borrower may fall outside the parameters of mainstream lending. With deep sector experience across the whole agricultural supply chain, Ecosse take a whole of business approach to assessing a borrower's current and future prospects - allowing us to lend where others say no.
Diversified sheep/wheat/barley.
$1.2 million
1st mortgage
(VIC)
Provision of funding to farming group to facilitate a rebound from unseasonal conditions.
Sheep
$2.5 million
1st mortgage
(SA)
Low LVR loan to allow farming group to restock and refinance.
Winery
$2.6 million
1st mortgage
(SA)
Funding a premium Barossa wine brand to allow founder to repurchase equity holdings.
Typical Lending scenarios
All loans secured by Australian real estate on a first or second mortgage.
First mortgage
Loan to value ratio typically up to 60%
Loan sizes $1 million to $10 million
Duration 3-24 months
Agricultural farms and commodities
Second mortgage
Loan to value ratio by discussion
Loan sizes up to $1 million
Duration up to 12 months
Expansion, Capex and working Capital Requirements