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.”

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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 50%

• Loan sizes $1 million to $15 million

• Duration 6-24 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