Lending that respects the structure.

Borrowing inside a trust or company isn't harder, exactly — it's just less common, so fewer lenders have the internal policy and risk appetite to handle it cleanly. Discretionary (family) trusts are the most familiar to lenders and rarely pose a problem. Unit trusts are usually fine. Hybrid trusts are harder, and bare trusts (used for SMSF lending) are their own category entirely.

The other consideration is guarantees. Lending into a corporate trustee usually requires personal guarantees from the directors and appointors, plus often from the adult beneficiaries. We review the guarantee scope before signing — restricting to specific parties and limited amounts wherever possible.