Rent Roll Finance Australia — Pendium Finance

Funding for rent roll acquisitions, refinances, and equity release — secured against the property management portfolio itself, not your home. Structured by brokers from corporate and commercial banking.

What is rent roll finance?

Rent roll finance is lending secured against a real estate agency's property management portfolio — the recurring management fees paid by landlords. Because that income is contracted and predictable, lenders treat the rent roll as a valuable business asset, so principals can fund acquisitions and growth without pledging bricks-and-mortar security.

Typical structural terms

• Portfolios valued at 2.5x to 4.5x annual recurring management income
• Loan-to-value ratios of 60% to 70% of the assessed value
• Terms of three to five years, principal-and-interest or interest-only
• Director guarantees standard; the family home generally not required as security
• Retention clauses (commonly 10–20% held for 6–12 months) aligned with facility drawdowns
• Facility sizes from $500K to $15M+

Terms are indicative of the current Australian market and vary by lender, portfolio quality, and borrower circumstances.

Recent work

A $5.7 million share sale of a real estate agency in Western Sydney — an acquisition facility structured against the rent roll with staged drawdowns aligned to the retention clause.

Go deeper

• Complete Guide to Rent Roll Finance in Australia
• How Much Can You Borrow Against a Rent Roll?
• Should You Buy a Rent Roll or Grow It Organically?
• Rent Roll Intelligence Suite — free equity, cashflow, and acquisition calculators, embedded on this page

Contact Pendium Finance

Phone: 1300 876 410 | Email: loansupport@pendiumfinance.com.au

Perth: 204/96 Mill Point Road, South Perth WA 6151

Sydney: Bay 5 North, Locomotive Street, Eveleigh NSW 2015

Pendium Finance Pty Ltd ACN 662 388 838 | ACL 517192 | CR 543457