If you’re a borrower looking to secure funding, understanding the compliance landscape can help you avoid delays, unexpected costs, or worse, deals falling through at the last minute. Last month, I worked with a developer seeking funding for a large industrial warehouse development in Silverwater, NSW. My role isn’t just about lending, it’s about helping borrowers set their project up for success.

That starts with getting compliance right, from the beginning. By taking the time to structure their borrowing entity correctly and preparing upfront for Anti Money Laundering (AML) / Counter Terrorism Financing (CTF) and responsible lending checks, we were able to move from term sheet to settlement in record time. The lesson? Compliance isn’t a hurdle when managed early, it becomes a lever for speed and certainty.

One consistent pattern I’ve seen with successful borrowers? They come to us early, with clean structures and clear documentation. It’s not flashy but it’s what gets the deals done. That’s what this guide is about, making sure nothing gets missed. We work closely with our borrowers to ensure their funding structures are both commercially sound and fully compliant. Here’s what you need to know to keep your next deal running smoothly.

Why Compliance Matters for Borrowers

Regulatory compliance isn’t just a box-ticking exercise. It impacts everything—from how quickly your loan is approved to how your project is funded and managed.

Keeping on top of the rules means:

  • Faster approvals – A deal that meets compliance standards moves through due diligence quicker.
  • Lower risk – Avoid legal issues or changes to lending terms mid-deal.
  • Better investor confidence – Lenders are more comfortable funding deals with clear, structured compliance.

3 Key Compliance Factors Borrowers Should Know

Know Your Borrowing Entity
Different loan structures have different compliance requirements. Are you borrowing as an individual, a trust, or a corporate entity? Each structure carries unique legal and financial obligations.

Understand Responsible Lending Obligations
Even in the private credit space, lenders need to ensure responsible lending practices. This means providing clear documentation of your financial standing, security position, and the project’s viability.

Stay Ahead of AML/CTF Requirements
AML and CTF laws require borrowers to provide transparent financial records. Delays in providing this information can hold up funding approvals.

Need Funding for Your Next Project?

We specialise in structuring compliant private credit deals that work for borrowers. If you’re looking for funding and want a lender that understands both the market and the compliance landscape, let’s chat.

Get in touch today.

Article written by Jonathan McGrath, Executive Director – View LinkedIn

The commentary in this article in no way constitutes a solicitation of business or product advice.  It is expressed solely as the opinion of the author, and as general information for the reader. It is not information to be relied upon in making investment decisions.