Debt capital – lending & leasing

We are committed to supporting our clients in meeting their sustainability and transition objectives through a range of sustainable financing solutions, which can help drive better environmental, social and governance (ESG) outcomes.

For clients seeking to finance specific assets and projects aiming to deliver environmental and social benefits, we can offer tailored green and social loans. For clients with general purpose funding requirements, our sustainability-linked solutions can help meet their needs while incentivising the achievement of their defined sustainability targets

From retail, healthcare, waste management and agriculture to social infrastructure, commercial property, or natural resources, we can tailor a suitable solution to any organisation committed to delivering improved environmental or social impact. 

Our relationship management teams help provide lending solutions to corporate and institutional clients covering a wide range of financial products and services. We have the product and structuring expertise across various industry segments to provide clients with financial solutions to help maintain a competitive edge.

Our specialist teams in domestic and international locations help drive transaction pricing, structuring and documentation in order to deliver a broad array of loan products and financing solutions to our clients. 

As one of Australia and New Zealand’s largest financiers to institutional commercial real estate, Commonwealth Bank has made a long and extensive commitment to the sector. We have extensive experience and demonstrated capability in the provision of acquisition, investment and development finance across all industry segments. 

The product offering provided, or arranged, is diverse and extends from traditional senior debt finance to stretch senior and junior financing arrangements via secured or potentially unsecured debt platforms. Active client, solution based relationships are key and maintained across the sector with listed A-REIT’s (Australian Real Estate Investment Trusts), unlisted wholesale and retail funds; sovereign wealth and pension funds; high net worth private counterparts and investment managers.

As Australia’s largest bank, we have expertise and experience in offering innovative project financing solutions. From capital structuring to arranging senior, mezzanine and subordinated debt, we work closely with clients to develop integrated solutions throughout a project’s lifecycle.

Our structured asset finance business brings together deep expertise and proven experience across a broad range of asset markets. This is backed by a global execution capability to develop innovative lending and leasing solutions for the financing of moveable assets that our clients need to grow and to transition their business. 

We provide financing solutions across aviation, renewable energy and sustainable assets, low carbon transportation assets including zero emission buses, major production, logistics, digital, technology, healthcare and manufacturing equipment.

The private equity business is a leading player in the Australian and New Zealand markets providing debt funding to financial sponsors/private equity backed companies. We structure, arrange and/or underwrite innovative debt financing packages in support of our clients.

These typically include Leveraged and/or Management Buyouts, acquisitions, recapitalisations and refinances, public-listings or expansion capital raisings amongst others. Key to our ability to accommodate our clients’ wide-ranging financing objectives is our comprehensive structured solutions product suite and relationships across the market with private equity owners and advisors.  

The structured finance team provides capital structuring expertise that is utilised to match borrower needs with private capital funding. The value proposition to clients include the ability to structure a loan with Commonwealth Bank capital and/or third party private capital, resulting in a wider range of financing options to meet client objectives, certainty of funding via underwriting or arranging; and capability to execute specialised product solutions across senior/subordinated loans and bespoke cash flow based financing. 

The securitisation business is focused on delivering bespoke funding solutions for our client’s securitisable cash flows. We offer both balance sheet funding facilities and the ability to access term capital markets, supported by a global sales team. The business offers a diverse spectrum of asset backed facilities in Australia and New Zealand, backed by residential mortgages, commercial mortgages, auto finance, equipment leases, consumer or trade receivables.

We provide working capital debt facilities to asset management firms that are secured either on the uncalled investor commitments (subscription credit facilities) of a fund, or on the underlying cash flows and distributions of portfolio investments of a fund (net asset value facilities). These facilities enable more efficient management of the liquidity of a fund, providing either short-term borrowings that bridge liquidity needs between investor calls, or longer-term leverage for a fund. 

Capital markets and syndicate connects borrowers and investors around the globe, offering a comprehensive suite of public and private debt solutions including loans, bonds and hybrid securities. Our clients include domestic and offshore corporates, financial institutions and government agencies. Our global distribution network, technical expertise and strong relationships with borrowers and investors enable us to deliver tailored solutions. Leveraging the latest market insights to meet our clients’ funding objectives, we have a strong track record of delivering successful outcomes.