{"id":10345,"date":"2025-11-12T17:48:39","date_gmt":"2025-11-12T06:48:39","guid":{"rendered":"https:\/\/webinrealtime.com\/ecomtemp\/?page_id=10345"},"modified":"2025-11-13T17:24:12","modified_gmt":"2025-11-13T06:24:12","slug":"the-impact-of-rising-interest-rates-on-commercial-funding-availability","status":"publish","type":"page","link":"https:\/\/webinrealtime.com\/ecomtemp\/the-impact-of-rising-interest-rates-on-commercial-funding-availability\/","title":{"rendered":"The impact of rising interest rates on commercial funding availability"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10345\" class=\"elementor elementor-10345\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ba2dd3 e-flex e-con-boxed e-con e-parent\" data-id=\"2ba2dd3\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7859d1a e-con-full e-flex e-con e-child\" data-id=\"7859d1a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4697202 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"4697202\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"314\" height=\"354\" src=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/James-Kelder-Photo-10.24-Website-Photo-314x354-1-3.png\" class=\"attachment-large size-large wp-image-10366\" alt=\"\" srcset=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/James-Kelder-Photo-10.24-Website-Photo-314x354-1-3.png 314w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/James-Kelder-Photo-10.24-Website-Photo-314x354-1-3-266x300.png 266w\" sizes=\"(max-width: 314px) 100vw, 314px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a14e3a8 e-flex e-con-boxed e-con e-parent\" data-id=\"a14e3a8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-52d3da3 e-flex e-con-boxed e-con e-child\" data-id=\"52d3da3\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0840a5f e-con-full e-flex e-con e-child\" data-id=\"0840a5f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-386632c elementor-mobile-align-justify elementor-align-center elementor-widget elementor-widget-button\" data-id=\"386632c\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/webinrealtime.com\/ecomtemp\/commercial-finance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Commercial Finance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59b71d8 elementor-mobile-align-justify elementor-align-center elementor-widget elementor-widget-button\" data-id=\"59b71d8\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/webinrealtime.com\/ecomtemp\/equipment-finance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Equipment Finance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25906e3 elementor-mobile-align-justify elementor-align-center elementor-widget elementor-widget-button\" data-id=\"25906e3\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/webinrealtime.com\/ecomtemp\/home-finance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Home Finance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63ddf03 elementor-mobile-align-justify elementor-align-center elementor-widget elementor-widget-button\" data-id=\"63ddf03\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/webinrealtime.com\/ecomtemp\/wealth-insurance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Wealth &amp; Insurance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56838c2 e-con-full e-flex e-con e-child\" data-id=\"56838c2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7acdb29 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"7acdb29\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The impact of rising interest rates on commercial funding availability<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36345a3 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"36345a3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>I recently joined Mortgage Professional Magazine (MPA) for a podcast on the impact of rising interest rates on commercial funding availability and what it means for business owners and investors in key sectors. Click on the link below to have a listen or recap on the key points below:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85a90c1 elementor-widget elementor-widget-audio\" data-id=\"85a90c1\" data-element_type=\"widget\" data-widget_type=\"audio.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-soundcloud-wrapper\">\n\t\t\t\t<iframe width=\"1200\" height=\"200\" scrolling=\"no\" frameborder=\"no\" src=\"https:\/\/w.soundcloud.com\/player\/?visual=false&amp;url=https%3A%2F%2Fapi.soundcloud.com%2Ftracks%2F1588886551&amp;show_artwork=true&amp;maxheight=1000&amp;maxwidth=1200&amp;auto_play=false&amp;buying=true&amp;liking=true&amp;download=true&amp;sharing=true&amp;show_comments=true&amp;show_playcount=true&amp;show_user=true&amp;color\"><\/iframe>\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59173ab e-con-full e-flex e-con e-child\" data-id=\"59173ab\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8934b33 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"8934b33\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2-Minute Summary \u2013 Commercial Property Funding Snapshot 2023<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f94dcc5 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f94dcc5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>\u2022 Reduced transactions:<\/strong> this is in line with reduced business sales volumes\/limited stock in the commercial sector as potential sellers hold out.<\/p><p><strong>\u2022 Refinancing activity is up:<\/strong> businesses and investors across most industries are feeling the squeeze of increased funding costs, a softening in property values and \u2018harder-to-meet\u2019 bank metrics or difficulties in accessing equity. As a result, more clients are looking to non-bank funders or private lenders for funding solutions.<\/p><p><strong>\u2022 Lender appetites:<\/strong> The rising cost of wholesale funds coupled with reduced earnings has put pressure on Interest Coverage Ratios (used by the lender to measure how well you can cover the interest due on debt) and overall borrowing capacity. On the plus side some banks are reducing their coverage ratios, allowing them to continue lending at traditional Loan to Value Ratios (LVRs).<\/p><p><strong>\u2022 Retail:<\/strong> Lower LVRs and higher coverage ratios have been in play for some time. Choice or access to funding options is dependent on asset class \u2013 high turnover retailer will have more options than an inner-city cafe. Reduced consumer spending is impacting retailer income and potentially, future ability to cover increased rental costs. This is a key consideration for commercial landlords.<\/p><p><strong>\u2022 Commercial Construction &amp; Development:<\/strong> Major banks are generally placing more scrutiny on projects. Procurement of funding is more challenging with fewer lenders willing to play in the space. There is a definite disconnect between cost to develop versus funding costs. Market correction is expected. Clients are predominantly operating on a \u2018build and hold\u2019 model.<\/p><p><strong>\u2022 Office Space:<\/strong> WFH still the preferred environment. Demand still on the low side. Investors need to carefully consider tenancy requirements and subsequent infrastructure offering to secure high-quality, longer-term tenancy.<\/p><p><strong>\u2022 Industrial Assets:<\/strong> Lender appetites are still strong. Supply is still limited in line with demand. South-East Qld rents are comparatively cost-effective although tenants will need to factor in rental increases as investors look to recoup costs.<\/p><p><strong>\u2022 The good news:<\/strong> some banks are actively open to reviewing of policy or minimising key metrics to assist commercial and business borrowers in the rate-rising environment. You just need to know which bank and who to ask.<\/p><p>The key to securing better funding in the current market is knowledge. You need to know which banks, lenders or private funders really want your business. Make sure you are working with an experienced finance broker who has access to a trusted panel of bank and non-bank lenders and who has a proven track record in the industry or business you are working in.<\/p><p>For an overview of competitive funding options available to your business today or if you simply need some direction, please feel free to contact me.<\/p><p>\u00a0<\/p><p><strong>Published:<\/strong> August 2023<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91d655b elementor-mobile-align-left elementor-align-left elementor-widget elementor-widget-button\" data-id=\"91d655b\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">REQUEST A CALL BALL<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4635e9c elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4635e9c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>THE FINEPRINT: The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. While all care and attention are taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances.<\/p><p>Green Finance Group Pty Ltd ACN 145 035 221 is authorised under LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-edbbb8d e-con-full e-flex e-con e-child\" data-id=\"edbbb8d\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a28b498 e-con-full e-flex e-con e-child\" data-id=\"a28b498\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-721c6c7 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"721c6c7\" 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C6.33,22.398,14.571,29.1,20.916,29.477c2.844,0.226,4.011-1.958,5.251-3.312c1.24-1.356,2.625-2.712,0-5.272                       C23.541,18.332,21.644,15.018,19.093,17.578\"><\/path>                     <\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dd2cdca e-con-full e-flex e-con e-child\" data-id=\"dd2cdca\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-286a3de elementor-widget elementor-widget-image\" data-id=\"286a3de\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"600\" height=\"200\" src=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/Commercial-Finance-Brokers-Retail-Premises-600x200px.jpg\" class=\"attachment-large size-large wp-image-10365\" alt=\"\" srcset=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/Commercial-Finance-Brokers-Retail-Premises-600x200px.jpg 600w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/Commercial-Finance-Brokers-Retail-Premises-600x200px-300x100.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-93e2b66 e-flex e-con-boxed e-con e-parent\" data-id=\"93e2b66\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-45de73a e-con-full e-flex e-con e-child\" data-id=\"45de73a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-abdc82f elementor-widget-mobile__width-initial elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"abdc82f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">LATEST The impact of rising interest rates on commercial funding availability ARTICLE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06c449d elementor-mobile-align-justify elementor-align-center elementor-widget elementor-widget-button\" data-id=\"06c449d\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/webinrealtime.com\/ecomtemp\/green-finance-group-wins-record-25-finance-awards-in-6-months\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">READ FULL STORY AND MORE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d9805ee e-con-full e-flex e-con e-child\" data-id=\"d9805ee\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8da1d4a e-con-full e-flex e-con e-child\" data-id=\"8da1d4a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a5aaa7 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"6a5aaa7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\"Green Finance Group wins record 25 finance awards in 6 months\"<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fc231f elementor-widget elementor-widget-image\" data-id=\"1fc231f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"386\" height=\"28\" src=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/heading_icon1-1.png\" class=\"attachment-large size-large wp-image-7281\" alt=\"\" srcset=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/heading_icon1-1.png 386w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/heading_icon1-1-300x22.png 300w\" sizes=\"(max-width: 386px) 100vw, 386px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b70007 elementor-widget elementor-widget-image\" data-id=\"4b70007\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" src=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/1.-LMAwards2023_Brokerage_of_the_year_600x600px.jpg\" class=\"attachment-large size-large wp-image-9041\" alt=\"\" srcset=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/1.-LMAwards2023_Brokerage_of_the_year_600x600px.jpg 600w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/1.-LMAwards2023_Brokerage_of_the_year_600x600px-300x300.jpg 300w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/1.-LMAwards2023_Brokerage_of_the_year_600x600px-150x150.jpg 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6257f40 e-flex e-con-boxed e-con e-parent\" data-id=\"6257f40\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1276c6d e-con-full e-flex e-con e-child\" data-id=\"1276c6d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d721d54 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"d721d54\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Meet the Author<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a82055 e-con-full e-flex e-con e-child\" data-id=\"6a82055\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-372d931 e-con-full e-flex e-con e-child\" data-id=\"372d931\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-fcf6474 e-con-full e-flex e-con e-child\" data-id=\"fcf6474\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dae67a2 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"dae67a2\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"314\" height=\"354\" src=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/James-Kelder-Photo-10.24-Website-Photo-314x354-1-3.png\" class=\"attachment-large size-large wp-image-10366\" alt=\"\" srcset=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/James-Kelder-Photo-10.24-Website-Photo-314x354-1-3.png 314w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/James-Kelder-Photo-10.24-Website-Photo-314x354-1-3-266x300.png 266w\" sizes=\"(max-width: 314px) 100vw, 314px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d4e42f elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5d4e42f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>\u201cOver my decade long career in finance I have developed an in depth understanding of the debt landscape from banks to private credit funds.\u201d<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-51c811a e-con-full e-flex e-con e-child\" data-id=\"51c811a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d90126 elementor-widget elementor-widget-icon-box\" data-id=\"3d90126\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tJames Kelder\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t<\/b>BCom \u2013 Finance (UQ)<br><br>\n\n<b>Finance Consultant\nCommercial Property &amp; Investment Specialist\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e4d6611 e-con-full e-flex e-con e-child\" data-id=\"e4d6611\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d458ba1 elementor-position-left elementor-vertical-align-middle elementor-widget__width-initial elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"d458ba1\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"35\" height=\"39\" src=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/news_icon_1-1.png\" class=\"attachment-full size-full wp-image-7844\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Commercial Finance, Equipment Finance, Home Finance<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8094bb6 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8094bb6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Fortitude Valley, Brisbane<\/p><p>One of Australia&#8217;s most in-demand commercial finance brokers and awardee of Best Finance Broker 2024 (Better Business Awards), James specialises in commercial property investment and development finance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ed86eb elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"0ed86eb\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"tel:0432%20393%20608\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 27.66 29.493\" xml:space=\"preserve\">                     <path d=\"M19.093,17.578c-0.948,1.131-2.188,2.261-2.188,2.261s-5.688-3.315-7.73-8.36c0,0,1.531-2.107,2.406-2.861                       c0.876-0.753,1.459-1.883-0.802-4.442C8.517,1.613,6.257-1.398,3.923,0.711C1.589,2.818-2.422,5.681,1.954,14.04                       C6.33,22.398,14.571,29.1,20.916,29.477c2.844,0.226,4.011-1.958,5.251-3.312c1.24-1.356,2.625-2.712,0-5.272                       C23.541,18.332,21.644,15.018,19.093,17.578\"><\/path>                     <\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">0432 393 608<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Email Me<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/au.linkedin.com\/in\/james-kelder\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-linkedin-in\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M100.28 448H7.4V148.9h92.88zM53.79 108.1C24.09 108.1 0 83.5 0 53.8a53.79 53.79 0 0 1 107.58 0c0 29.7-24.1 54.3-53.79 54.3zM447.9 448h-92.68V302.4c0-34.7-.7-79.2-48.29-79.2-48.29 0-55.69 37.7-55.69 76.7V448h-92.78V148.9h89.08v40.8h1.3c12.4-23.5 42.69-48.3 87.88-48.3 94 0 111.28 61.9 111.28 142.3V448z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">LinkedIn<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9251ec elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e9251ec\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Prior to joining the Green Team, I occupied management roles at Australia&#8217;s largest commercial bank \u2013 National Australia Bank (NAB). I have broad experience in business, corporate, equipment and property debt and thrive on complex transactions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9f8065 elementor-mobile-align-left elementor-align-center elementor-widget elementor-widget-button\" data-id=\"c9f8065\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/webinrealtime.com\/ecomtemp\/meet-the-team\/james-kelder\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">VIEW FULL PROFILE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3862c4a e-flex e-con-boxed e-con e-parent\" data-id=\"3862c4a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4973aa7 e-con-full e-flex e-con e-child\" data-id=\"4973aa7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-677c57f elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"677c57f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Contact James today<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd8f052 elementor-shape-circle elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"bd8f052\" data-element_type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon- elementor-repeater-item-e34259f\" href=\"tel:0432393608\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\"><\/span>\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 27.66 29.493\" xml:space=\"preserve\">                     <path d=\"M19.093,17.578c-0.948,1.131-2.188,2.261-2.188,2.261s-5.688-3.315-7.73-8.36c0,0,1.531-2.107,2.406-2.861                       c0.876-0.753,1.459-1.883-0.802-4.442C8.517,1.613,6.257-1.398,3.923,0.711C1.589,2.818-2.422,5.681,1.954,14.04                       C6.33,22.398,14.571,29.1,20.916,29.477c2.844,0.226,4.011-1.958,5.251-3.312c1.24-1.356,2.625-2.712,0-5.272                       C23.541,18.332,21.644,15.018,19.093,17.578\"><\/path>                     <\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-envelope elementor-repeater-item-bc68453\" href=\"https:\/\/webinrealtime.com\/ecomtemp\/meet-the-team\/james-kelder\/#askme\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Envelope<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 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