“If we look at the construction sector, the rise in labour costs, material expenses and financing costs over the past 12 to 18 months has led to a significant shift in lender appetite”
ANTHONY ARIDA, Simplicity Loans & Advisory
“We want to give brokers as many different buckets of funding as we possibly can”
Daniel Adams, Engine Capital
“When it comes to assessing a loan proposal in the pre-development space, one of our key focus points is around loan exit, [and] how are we going to get our money back?”
Stephen Lawrence, Keystone Capital
“There’s a lot more capital available. If you look at the US, [private lending] is a $17 trillion industry. We’re just scratching the surface here”
John Encina, Capspace
In Partnership with
Shifting dynamics spur new strategies for commercial
As commercial real estate faces headwinds, new opportunities are reshaping the lending landscape. Industry experts weigh in on emerging trends and strategies for success in a rapidly evolving market
Read on
Matthew Johnson
Simplicity Loans & Advisory
Anthony Arida
Simplicity Loans & Advisory
Daniel Adams
Engine Capital
John Encina
Capspace
Industry experts
HIGHER INTEREST RATES, tighter bank lending and economic uncertainty have created both challenges and opportunities in the commercial real estate market. Against this backdrop, private lenders are playing an increasingly pivotal role in filling the financing gap, reshaping the lending landscape in the process.
“It’s a really interesting time,” says Matthew Johnson, managing director of Simplicity Loans & Advisory. “There’s probably been an adjustment in values, and certainly from a funding perspective it’s harder to make deals work compared to what it was three or four years ago.”
This new landscape is reshaping how lenders, brokers and borrowers operate. Industry experts on both the lending and broking side gathered recently at Café Sydney restaurant to discuss emerging trends and strategies for navigating the evolving market. Their insights paint a picture of an industry in transition, with private lenders poised to capture a growing share of commercial real estate financing.
The ripple effects of rising interest rates are being felt across the commercial real estate sector. Anthony Arida, associate director of sales at Simplicity Loans & Advisory, notes that certain industries have seen more dramatic shifts than others.
“If we look at the construction sector, the rise in labour costs, material expenses and financing costs over the past 12 to 18 months has led to a significant shift in lender appetite. This, combined with increased regulatory pressures, has further impacted the market,” Arida explains. “It’s been more challenging to make deals feasible.”
This shift has forced developers to reassess their strategies. Many are moving away from traditional sales models to adapt to the new reality. The increased costs and tighter lending conditions have made it more challenging to achieve profitable outcomes, particularly for speculative developments.
“We’re also noticing a shift in how developers are approaching their projects,” Arida observes. “In some cases, there’s been a move from selling models to build-to-rent strategies. Developers are adjusting their approaches to the current market conditions, seeking ways to maintain profitability in the face of increased costs and tighter lending.”
Johnson emphasises that it’s now very much a market of submarkets. “CBD office space versus suburban office space versus regional office space – it’s very much now around the quality of the market and the depth of the market that relates to it,” he says. This granular approach to market analysis has become crucial for both lenders and investors.
The impact of these trends extends beyond just property values and feasibility. Stephen Lawrence, chief credit officer at Keystone Capital, notes that lenders are now spending more time than ever scrutinising exit strategies.
“When it comes to assessing a loan proposal in the pre-development space, one of our key focus points is around loan exit, [and] how are we going to get our money back? At Keystone we do a lot of work at the assessment stage with respect to the proposed exit strategy being feasible … are they going to get the DA [development application] approved? Does the feasibility stack up from a construction viewpoint? We spend more time scrutinising the exit nowadays than probably ever before.”
This heightened focus on exit strategies reflects the increased risk in the market. Lenders are no longer content to simply assess the current value of a property; they need to have confidence in the borrower’s ability to repay the loan, whether through refinancing, sale or other means.
While traditional lenders have pulled back, private lenders are stepping in to fill the void. This shift is not just a temporary response to market conditions but part of a broader trend that’s been accelerating for years.
John Encina, director and head of borrower origination at Capspace, sees the current environment as highly conducive to private lending. “It's actually been a great time for private lending,” Encina says. “Those factors you mentioned that have pushed people into private – increase in cost of construction, all of a sudden someone needs some additional capital to finish a project; or businesses need to grow and they’re finding it hard to source capital through banks.”
Not all segments have been equally impacted, however. Arida points out that industrial real estate has remained relatively strong, though yields have moderated somewhat. “The industrial sector has been very strong, a particularly robust asset class for the past three to four years,” he says. “I wouldn’t say it’s anything new. I would say yields are aligning with the evolving cost of finance, leading to some stabilisation. However, the sector remains very strong.”
Meanwhile, specialised industries like childcare have become increasingly appealing to investors due to government subsidies and other factors. This highlights the importance of understanding niche markets and their unique dynamics in the current environment.
Daniel Adams, co-founder of Engine Capital, also notes the dramatic scale shift in private lending. “I mean, I see a few private lenders around the table here. You know, back then, you see a million-dollar deal that falls out of the bank, it’s like happy days. That’s not the case today,” Adams says. “It’s not the private lending space of tens of millions of dollars any more; it’s hundreds of millions of dollars, if not billions.”
This growth is being fuelled not just by borrower demand but also by increasing investor appetite. “There’s a lot more capital available,” Encina points out. “If you look at the US, it’s a $17 trillion industry. We’re just scratching the surface here.”
The influx of capital into private lending reflects a broader shift in investor attitudes. Private credit is no longer seen merely as an alternative asset class but as an increasingly important part of a diversified investment portfolio. This trend is likely to continue, providing private lenders with a robust source of funding to support their growth.
In this competitive landscape, private lenders are employing various strategies to differentiate themselves and attract business. Speed and flexibility are key competitive advantages, particularly in a market where traditional lenders are often perceived as slow and rigid.
Gino Tabila, associate director of Secured Lending, highlights his firm’s approach: “One of the benefits for us is that we don’t do valuation reports. We’ve got our own in-house valuation team, so we’ve got speed in that sense,” he says. “We’re not relying on investors. We’re not relying on warehouse facilities. It’s our own cash that we’re lending out.
“We’re all about transparency and fairness,” Tabila emphasises. “We’re always upfront with brokers and borrowers about whether we can do the deal, our timing, and any issues that might come up. We want to communicate clearly that we can work through any issue that arises.”
This ability to move quickly and make decisions internally can be crucial in a fast-moving market. It allows private lenders to capitalise on opportunities that might be missed by more bureaucratic institutions.
Lawrence stresses the importance of offering unique products and flexible terms. “At Keystone we are happy to lend against vacant land, and we will lend in the regions as well,” he says. “However, it depends on the nature of the transaction, the location, and many other factors in determining the level of gearing, interest rate [and so on]. You’ve got to try and carve out a niche and do something a little bit different, because there are a lot of players in the market, with many focusing on the metro areas more so than the regional areas. At Keystone we are happy to do both.”
This focus on niche products and underserved markets allows private lenders to avoid direct competition with banks and larger institutions. It also enables them to develop deep expertise in specific areas, potentially leading to better risk assessment and loan performance.
For Adams, a key differentiator is having multiple funding sources. “A lot of private lenders have got their own unique source of funding, and typically they stick with one or two favourite flavours of funding,” he says. “We want to give brokers as many different buckets of funding as we possibly can.”
This diversified funding approach provides several advantages. It allows lenders to offer a wider range of products and terms, catering to a broader spectrum of borrower needs. It also provides a degree of resilience, reducing dependency on any single funding source.
The importance of trust and transparency in building strong relationships cannot be overstated.
Tabila underscores this point: “It’s absolutely important to be transparent with the brokers and the borrowers,” he states. “We just want to communicate to the borrowers and the brokers that we can actually work through any issue that comes through.”
While product offerings and funding structures are important, industry experts stress that trust and relationships remain paramount. This applies not just to origination but throughout the life of a loan.
“Everyone can be friends when things are going well,” Johnson points out. “When the rubber really hits the road, when something doesn’t play out as it should – whether it’s on term, requiring extensions, requiring amendments to terms – how is the lender going to act, and how are they going to conduct themselves in that scenario?”
This focus on relationship management throughout the loan life cycle is a key differentiator for many private lenders. Unlike some larger institutions that might take a more transactional approach, private lenders often pride themselves on their ability to work closely with borrowers to navigate challenges.
Lawrence agrees, emphasising the importance of working with borrowers through challenging times. “If one of our borrowers gets into a bit of trouble but is communicating with us and wants to work with us, and the loan exit still makes sense, in most instances we will be willing to work with them to help them through,” he says. “At the end of the day, we are empathetic to timing issues and other factors that may cause delays or alternate funding needs, but if things make sense to us, and the borrower or broker is communicating with us, common sense usually wins out, and we can assist our borrowers through a difficult time.”
This approach not only helps minimise defaults and losses but also builds long-term relationships that can lead to repeat business and referrals. In an industry in which reputation is crucial, this commitment to working through challenges can be a significant competitive advantage.
For brokers, understanding these dynamics is crucial. “As a broker, that’s really where we add value to our clients,” Johnson explains. “There are some lenders that will say, ‘If my document says I can do A, I’m going to do A regardless of anything else’. Whereas others will say, ‘If the client’s making a genuine effort and they’re working with us, they’ll acknowledge it and bring some flexibility to the table’.”
This insight highlights the important role that brokers play in the private lending ecosystem. By understanding the nuances of different lenders’ approaches, brokers can match borrowers with the most suitable lenders, not just based on rates and terms but on their overall approach to relationship management.
As the private lending industry matures, technology is playing an increasingly important role. Many lenders are investing heavily in digital platforms and automated processes to improve efficiency and enhance the customer experience.
“I think we’re on the cusp of a real change, not to the fundamentals of what we do but to the way we go about it,” Johnson says. “I think we’re going to see a real movement in the way we use technology as professionals in our industry to help clients and be able to deliver solutions quicker.”
This technological transformation is occurring across various aspects of the lending process. Some lenders are implementing automated underwriting systems to speed up initial assessments. Others are developing online portals that allow borrowers and brokers to track the progress of their applications in real time.
Simplicity Loans & Advisory is a boutique brokerage and property advisory business with offices in Sydney and Melbourne. It was established with the view to forming and maintaining client relationships built on trust by providing high-quality financial and debt advice in unison. The group has settled over $4 billion in commercial finance since inception in late 2017. Our ultimate goal is to help our clients achieve their personal and financial goals. Simplicity will always work in the best interests of the client, ensuring the alignment of all parties to a common goal.
Find out more
Matt Johnson is one of the founders of the Simplicity Loans & Advisory Group, established in 2017 to provide commercial lending advice to a mass market. The group now has staff in NSW, Victoria and Queensland and provides commercial loan origination services to over 2,000 referral partners across the country. As co-managing director of the group, Johnson drives strategy and alliances as well as the technology platform. He started as a graduate at National Australia Bank in 2003, where he spent 12 years in a range of client-facing roles in the Business Bank across diversified industries and geographies. Moving into broking in 2014, Johnson originated transactions across a broad array of industries and client types and now looks after a select few client transactions while overseeing the Simplicity Loans & Advisory business.
Simplicity Loans & Advisory
Matthew Johnson
Anthony Arida’s tenure in lending has been characterised by consistent high performance and significant achievements, highlighting his dedication and expertise in the field. He was recognised as a top commercial broker in both 2022 and 2023. He has assisted numerous clients with innovative solutions, emphasising customer-centricity and exceptional service based on trust, honesty and respect. His primary goals are to understand clients’ unique needs, ensure transparent communication, and help them achieve their financial objectives. Arida prioritises relationships over transactions, fostering lasting connections that build trust beyond immediate deals. This approach allows him to navigate challenges effectively and serve as a trusted extension of his clients’ businesses.
Simplicity Loans & Advisory
Anthony Arida
Daniel Adams, a co-founder of Engine Capital, brings a wealth of experience from his adventures in financial services across Europe, the Middle East and Australia. He’s the go-to guy for making sure commercial mortgage products shine and fly off the shelves, proven by being one of the first trailblazers to hit the $1 billion mark in the new world of accessible private lending! Right now, he’s wrapping up his MBA at the Australian Graduate School of Management, University of New South Wales, blending academic know-how with real-world sharpness. What makes Adams stand out? He rolls up his sleeves and dives into the action, chatting with brokers several times a day instead of just passing the buck to BDMs.
Engine Capital
Daniel Adams
John Encina is an award-winning former commercial broker with over 30 years of experience in senior roles at leading national and global organisations, including Westpac and Macquarie Commercial Finance. He specialises in managing complex financial situations, loan structures, and deal origination. As a founding director and head of loan origination at Capspace, which was named a 2024 finalist for Non-Bank of the Year and Innovator of the Year. Encina’s focus is on transforming the SME landscape, easing brokers’ frustrations and fostering strong relationships. He partners with a growing network of brokers to provide bespoke solutions for SME clients.
Capspace
John Encina
In Partnership with
Shifting dynamics spur new strategies for commercial
As commercial real estate faces headwinds, new opportunities are reshaping the lending landscape. Industry experts weigh in on emerging trends and strategies for success in a rapidly evolving market
Read on
Industry experts
Matt Johnson is one of the founders of the Simplicity Loans & Advisory Group, established in 2017 to provide commercial lending advice to a mass market. The group now has staff in NSW, Victoria and Queensland and provides commercial loan origination services to over 2,000 referral partners across the country. As co-managing director of the group, Johnson drives strategy and alliances as well as the technology platform. He started as a graduate at National Australia Bank in 2003, where he spent 12 years in a range of client-facing roles in the Business Bank across diversified industries and geographies. Moving into broking in 2014, Johnson originated transactions across a broad array of industries and client types and now looks after a select few client transactions while overseeing the Simplicity Loans & Advisory business.
Simplicity Loans & Advisory
Matthew Johnson
Anthony Arida’s tenure in lending has been characterised by consistent high performance and significant achievements, highlighting his dedication and expertise in the field. He was recognised as a top commercial broker in both 2022 and 2023. He has assisted numerous clients with innovative solutions, emphasising customer-centricity and exceptional service based on trust, honesty and respect. His primary goals are to understand clients’ unique needs, ensure transparent communication, and help them achieve their financial objectives. Arida prioritises relationships over transactions, fostering lasting connections that build trust beyond immediate deals. This approach allows him to navigate challenges effectively and serve as a trusted extension of his clients’ businesses.
Simplicity Loans & Advisory
Anthony Arida
Daniel Adams, a co-founder of Engine Capital, brings a wealth of experience from his adventures in financial services across Europe, the Middle East and Australia. He’s the go-to guy for making sure commercial mortgage products shine and fly off the shelves, proven by being one of the first trailblazers to hit the $1 billion mark in the new world of accessible private lending! Right now, he’s wrapping up his MBA at the Australian Graduate School of Management, University of New South Wales, blending academic know-how with real-world sharpness. What makes Adams stand out? He rolls up his sleeves and dives into the action, chatting with brokers several times a day instead of just passing the buck to BDMs.
Engine Capital
Daniel Adams
John Encina is an award-winning former commercial broker with over 30 years of experience in senior roles at leading national and global organisations, including Westpac and Macquarie Commercial Finance. He specialises in managing complex financial situations, loan structures, and deal origination. As a founding director and head of loan origination at Capspace, which was named a 2024 finalist for Non-Bank of the Year and Innovator of the Year. Encina’s focus is on transforming the SME landscape, easing brokers’ frustrations and fostering strong relationships. He partners with a growing network of brokers to provide bespoke solutions for SME clients.
Capspace
John Encina
In Partnership with
Shifting dynamics spur new strategies for commercial
As commercial real estate faces headwinds, new opportunities are reshaping the lending landscape. Industry experts weigh in on emerging trends and strategies for success in a rapidly evolving market
Read on
Industry experts
Anthony Arida’s tenure in lending has been characterised by consistent high performance and significant achievements, highlighting his dedication and expertise in the field. He was recognised as a top commercial broker in both 2022 and 2023. He has assisted numerous clients with innovative solutions, emphasising customer-centricity and exceptional service based on trust, honesty and respect. His primary goals are to understand clients’ unique needs, ensure transparent communication, and help them achieve their financial objectives. Arida prioritises relationships over transactions, fostering lasting connections that build trust beyond immediate deals. This approach allows him to navigate challenges effectively and serve as a trusted extension of his clients’ businesses.
Simplicity Loans & Advisory
Anthony Arida
Daniel Adams, a co-founder of Engine Capital, brings a wealth of experience from his adventures in financial services across Europe, the Middle East and Australia. He’s the go-to guy for making sure commercial mortgage products shine and fly off the shelves, proven by being one of the first trailblazers to hit the $1 billion mark in the new world of accessible private lending! Right now, he’s wrapping up his MBA at the Australian Graduate School of Management, University of New South Wales, blending academic know-how with real-world sharpness. What makes Adams stand out? He rolls up his sleeves and dives into the action, chatting with brokers several times a day instead of just passing the buck to BDMs.
Engine Capital
Daniel Adams
John Encina is an award-winning former commercial broker with over 30 years of experience in senior roles at leading national and global organisations, including Westpac and Macquarie Commercial Finance. He specialises in managing complex financial situations, loan structures, and deal origination. As a founding director and head of loan origination at Capspace, which was named a 2024 finalist for Non-Bank of the Year and Innovator of the Year. Encina’s focus is on transforming the SME landscape, easing brokers’ frustrations and fostering strong relationships. He partners with a growing network of brokers to provide bespoke solutions for SME clients.
Capspace
John Encina
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Matt Johnson is one of the founders of the Simplicity Loans & Advisory Group, established in 2017 to provide commercial lending advice to a mass market. The group now has staff in NSW, Victoria and Queensland and provides commercial loan origination services to over 2,000 referral partners across the country. As co-managing director of the group, Johnson drives strategy and alliances as well as the technology platform. He started as a graduate at National Australia Bank in 2003, where he spent 12 years in a range of client-facing roles in the Business Bank across diversified industries and geographies. Moving into broking in 2014, Johnson originated transactions across a broad array of industries and client types and now looks after a select few client transactions while overseeing the Simplicity Loans & Advisory business.
Simplicity Loans & Advisory
Matthew Johnson
Market trends and challenges
Published 16 Sep 2024
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Stephen Lawrence
Keystone Capital
Gino Tabila
Secured Lending
Stephen Lawrence joined Keystone as chief credit officer in July 2023, bringing to the company over 45 years of experience in banking and finance. He has held senior operational and lending roles at banks in London, Sydney and Melbourne as well as at La Trobe Financial, where he served as head of commercial lending and also had a stint as head of credit. Prior to joining Keystone, Lawrence worked at Pallas Capital as its executive director of lending.
Keystone Capital
Stephen Lawrence
Gino Tabila is a seasoned financial executive with a distinguished 20-year career encompassing corporate accounting, finance, and turnaround management. With a keen focus on alternative lending for the past seven years, he has cultivated expertise in crafting tailored, short-term financing solutions to address the complex and ever-evolving financial challenges faced by businesses. Tabila’s ability to navigate the dynamic landscape of alternative finance has positioned him as a leading authority in the industry.
Secured Lending
Gino Tabila
The rise of private lending
Strategies for success
Prime yields for industrial property by capital city
Q3 2023 yield
1
2
3
4
5
6
7
8
Q4 2023 yield
Q1 2024 yield
Q2 2024 yield
5.27%
5.26%
6.26%
6.5%
6.33%
6.33%
6.45%
6.25%
5.52%
5.46%
6.33%
6.38%
6.25%
5.50%
5.46%
6.38%
6.38%
6.20%
5.55%
5.46%
Sydney
Melbourne
Brisbane
Perth
Adelaide
Source: Knight Frank Research
Building trust and relationships
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Copyright © 2024 KM Business Information Australia Pty Ltd
From left: Stephen Lawrence, Keystone Capital; Matthew Johnson, Simplicity Loans & Advisory; Daniel Adams, Engine Capital; Anthony Arida, Simplicity Loans & Advisory; John Encina, Capspace; and Gino Tabila, Secured Lending
The role of technology
Adams sees particular potential in using technology to streamline back-office processes. “There’s hundreds and hundreds of hours that are wasted every year,” he says. “I think there’s a lot of [areas] that are definitely going to improve.”
By reducing administrative overhead and speeding up processes, technology can allow lenders to focus more time on relationship-building and complex decision-making. This not only improves efficiency but can also enhance the overall quality of service.
However, participants around the table cautioned that technology should not completely replace human judgement and relationship management. The complex nature of many commercial real estate transactions means that there will always be a need for experienced professionals to assess deals and work with borrowers.
“We’re not relying on investors. We’re not relying on warehouse facilities. It’s our own cash that we’re lending out”
Gino Tabila, Secured Lending
As the private lending industry grows, regulatory considerations are becoming increasingly important. While private lenders generally face less stringent regulation than banks, there is a growing awareness of the need for robust governance and risk management practices.
Encina notes that his firm is proactively preparing for potential regulatory changes. “We’re also preparing for that,” he says. “We’re really careful about what we do; [we] make sure that governance is right, things like AML [anti-money laundering] done properly.”
This proactive approach to compliance and governance is seen as crucial for long-term success in the industry. As private lending becomes a larger part of the financial ecosystem, it’s likely to attract more regulatory scrutiny. Lenders that have already implemented robust systems and processes will be better positioned to adapt to any new requirements.
Regulatory considerations and beyond
Source: EY Capital & Debt Advisory: Australian private debt market update for 2022–24
2021
2022
2023
50
100
150
200
Growth of private debt market in Australia
$bn
32%
21%
7%
$188bn
$175bn
$133bn
YoY growth
Market size
As the industry continues to evolve, experts see both challenges and opportunities on the horizon. Many anticipate further consolidation in the private lending space as smaller players struggle to compete and larger firms seek economies of scale.
“I wouldn’t be shocked if the better players continue to grow,” Johnson predicts. “I think the beauty of private lending is players can come in with a niche. They’re not coming in trying to be all things to all people.”
This trend towards specialisation and consolidation is likely to reshape the competitive landscape. Successful lenders will need to clearly define their market position and value proposition, whether through specialised products, superior technology or exceptional customer service.
While some lenders are looking to expand their offerings, others are doubling down on their core strengths.
“Our focus is on sticking to what we’re really good at,” Tabila asserts. “We’re going to keep focusing on speed – we can settle funds in 24 to 48 hours from the phone call, and there are no other lenders that can match our turnaround times. We’re exploring raising additional capital from investors in the future, which will allow us to introduce more products to the market, but for now we’re just going to stick to our niche, which is speed.”
Looking ahead for commercial lending
Adams sees the next few years as critical for establishing market position. “I think it’s almost a race to get to a size where you can start commanding a little bit more in terms of your funds, rather than being subject to your funders,” he says. This highlights the importance of scale in the industry, both in terms of attracting funding and having the resources to invest in technology and talent.
Despite potential headwinds, the outlook for private lending remains bullish. As banks continue to pull back from certain market segments, private lenders are well positioned to capture an increasing share of commercial real estate financing. Those who can adapt to changing market conditions, leverage technology effectively and maintain strong relationships with brokers and borrowers are likely to thrive in this new landscape.
“We are very positive about the industry and about where we’re heading as an organisation,” Lawrence says. “We have a successful 11-year history, and we are here for the long term, not just short-term wins. We greatly value our broker and borrower networks, and we pride ourselves on a common-sense approach to lending. We see significant growth ahead for the private credit sector.”
As the commercial real estate market continues to evolve, private lenders are poised to play an increasingly important role. By offering speed, flexibility and a relationship-focused approach, they are not just filling a gap left by traditional lenders but reshaping parts of the lending landscape. The coming years are likely to see further growth and innovation in this ever more varied sector, creating new opportunities for lenders, brokers and borrowers alike.
“I wouldn’t be shocked if the better players continue to grow. I think the beauty of private lending is players can come in with a niche”
Matthew Johnson, Simplicity Loans & Advisory
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Stephen Lawrence joined Keystone as chief credit officer in July 2023, bringing to the company over 45 years of experience in banking and finance. He has held senior operational and lending roles at banks in London, Sydney and Melbourne as well as at La Trobe Financial, where he served as head of commercial lending and also had a stint as head of credit. Prior to joining Keystone, Lawrence worked at Pallas Capital as its executive director of lending.
Keystone Capital
Stephen Lawrence
Gino Tabila is a seasoned financial executive with a distinguished 20-year career encompassing corporate accounting, finance, and turnaround management. With a keen focus on alternative lending for the past seven years, he has cultivated expertise in crafting tailored, short-term financing solutions to address the complex and ever-evolving financial challenges faced by businesses. Tabila’s ability to navigate the dynamic landscape of alternative finance has positioned him as a leading authority in the industry.
Secured Lending
Gino Tabila
1
2
3
4
5
6
7
8
Stephen Lawrence joined Keystone as chief credit officer in July 2023, bringing to the company over 45 years of experience in banking and finance. He has held senior operational and lending roles at banks in London, Sydney and Melbourne as well as at La Trobe Financial, where he served as head of commercial lending and also had a stint as head of credit. Prior to joining Keystone, Lawrence worked at Pallas Capital as its executive director of lending.
Keystone Capital
Stephen Lawrence
Gino Tabila is a seasoned financial executive with a distinguished 20-year career encompassing corporate accounting, finance, and turnaround management. With a keen focus on alternative lending for the past seven years, he has cultivated expertise in crafting tailored, short-term financing solutions to address the complex and ever-evolving financial challenges faced by businesses. Tabila’s ability to navigate the dynamic landscape of alternative finance has positioned him as a leading authority in the industry.
Secured Lending
Gino Tabila