Specialist property finance · Australia-wide
Turn Contracted Rent Into Capital Today
Advance future rental income from an eligible residential or commercial property to fund a defined transaction now.
Zip Funding assesses the lease, tenant, property equity, existing debt, use of funds and repayment strategy—then considers a structure that matches the real cash-flow position.
Direct scenario assessment. No obligation.
Indicative information only. Availability depends on lawful purpose, regulatory status, acceptable property and lease evidence, valuation, credit assessment and lender approval.
Contracted rental streamVerified lease
Indicative funding frameworkFuture rent. Present capital.
Property leverageUp to 75–80% LVR*
Indicative amount$50K–$5M+*
PropertyResidential / commercial*
CoverageAustralia-wide
Check the usable advance→
Assessment baseLease + property equity
PurposeDefined and lawful
DocumentationLease-led evidence
Credit historyConsidered in context
OutcomeCase by case
How the structure works
The lease creates visibility. The property and credit position determine the advance.
This is not simply the total rent remaining on a lease paid upfront. The usable amount is assessed after allowing for property value, existing secured debt, lease strength, tenant risk, costs and the lender’s required margin.
01 · EvidenceConfirm the Rental Stream
Provide the executed lease, rent schedule, tenant details, payment history, outgoings and any incentives, reviews or break clauses.
02 · CreditTest Property and Lease Risk
The lender considers accepted property value, existing mortgages, net rental income, remaining lease term, tenant strength and enforceability.
03 · StructureConvert Eligible Rent to Capital
An indicative advance, cost, security package and repayment mechanics are presented for review before commitment.
What sets the amount
Two limits matter: usable rent and available property equity.
The lower supportable outcome generally governs. A long lease does not by itself create a larger facility if property leverage, tenant risk or existing secured debt limits the transaction.
What a fundable profile looks like
Reliable rent helps. Clean evidence makes it credit-ready.
PropertyAcceptable Security
An income-producing Australian property with sufficient accepted value after existing mortgages, caveats and priority claims.
LeaseContracted Income
A current executed lease with a clear rent schedule, adequate remaining term and no undisclosed side agreements.
TenantPayment Capacity
Tenant quality, operating history, payment conduct and concentration risk are assessed alongside the lease wording.
TransactionCredible Purpose
A defined use of funds and clear understanding of how the facility will be repaid, refinanced or extinguished.
Indicative product matrix
Parameters at a glance.
A practical starting point for the conversation—not an offer, approval or promise of maximum terms.
ParameterIndicative positionWhat supports itWhat can reduce it
Property leverageOften up to approximately 75–80% of lender-accepted value*Strong location, value, equity and security positionSpecialised property, weak location or existing debt
Facility amountApproximately $50,000 to $5 million+*Net rent, property equity and transaction qualityShort lease tail, tenant concentration or low equity
EvidenceLease-led and alternative evidence may be considered*Executed lease, payment history, statements and valuationDisputes, arrears, incentives or incomplete documents
SecurityIncome-producing residential or commercial property*Acceptable title, valuation and mortgage positionPriority issues, caveats or unacceptable property
Repayment / exitRental receipts, refinance, sale or other agreed exit*Documented and realistic repayment pathwayUncertain sale timing or unsupported future event
*Indicative only. Maximums are not available in every scenario. Amount, LVR, pricing, term, security, documents and timing vary by purpose, regulatory status, property, lease, tenant, borrower circumstances and lender policy.
Where it may fit
Capital for a defined opportunity, without waiting month by month.
Business liquidityWorking Capital
Bring forward eligible rental cash flow for stock, payroll, supplier commitments or a time-sensitive operating requirement.
Property strategyDeposit or Acquisition
Support a defined property or business transaction where future rental receipts are part of the available repayment capacity.
TimingRefinance or Settlement
Address a near-term refinance, payout or settlement requirement while a longer-term position is being completed.
ImprovementRenovation or Fit-Out
Fund eligible capital works, compliance items or tenant-related improvements that protect or improve the income stream.
ObligationsTax or Creditor Position
Selected lenders may consider a structured payout where the position, security and ongoing plan are credible.
TransitionBridge to a Known Event
Cover a documented timing gap to refinance, property sale, contract settlement or another acceptable exit.
Trust starts with the trade-offs
Bringing rent forward changes future cash flow. The structure must still work after settlement.
A responsible assessment tests not only whether funds can be advanced, but whether the property and borrower remain sustainable after costs and rental receipts are committed.
Future income is committedRent used to support or repay the facility may no longer be available for ordinary expenses. Budget the post-settlement cash-flow position carefully.
Tenant and vacancy risk remainArrears, disputes, lease termination or vacancy can affect the agreed structure and may trigger lender rights or additional requirements.
Total cost mattersReview interest, establishment or brokerage fees, valuation, legal costs, discharge costs and any retained interest before proceeding.
Security consequences are realWhere property security is taken, default may place the property at risk. Independent legal, tax and financial advice may be appropriate.
Information that improves the answer
A complete lease file receives a clearer credit response.
Property & lease
Start with the documents that establish the asset, rental stream and current secured position.
- Property address and type
- Estimated value or valuation
- Current loan statements
- Executed lease and variations
- Rent ledger and bank credits
- Tenant and guarantor details
- Outgoings and incentives
- Arrears or dispute information
Borrower & transaction
The exact evidence depends on purpose, regulatory status, requested amount, lender and security structure.
- Entity and ownership structure
- Amount and use of funds
- Required completion date
- Assets and liabilities
- Bank statements or BAS
- Credit-event explanation
- Refinance or sale evidence
- Proposed repayment plan
Assessment pathway
From rent schedule to informed terms.
01Outline the Requirement
Provide the amount, purpose, timing, property, existing debt and intended repayment pathway.
02Verify the Rental Stream
We review the lease, rent ledger, tenant position, net income and remaining lease term.
03Map the Credit Structure
Property leverage and usable rent are tested against lender appetite, cost and legal requirements.
04Proceed with Clarity
Indicative terms, conditions, fees, valuation and security documents are reviewed before commitment.
R → $Rental income desk
Why Zip Funding
We translate the lease into a lender-ready credit story.
The strongest request is more than a rent schedule. Zip Funding shapes the transaction around the property, lease, tenant, existing debt, purpose and exit—then considers funding sources whose mandate fits the actual risk.
Direct scenario assessmentProperty and lease analysisAlternative evidence consideredCredit issues assessed in contextAustralia-wide lender relationshipsClear conditions before commitment
Frequently asked questions
Advance Rental Income, explained clearly.
What is Advance Rental Income finance?
It is a specialist structure that brings forward part of an eligible future rental stream, subject to assessment of the lease, tenant, property, existing debt, purpose and repayment position.
How much rental income can be advanced?
The amount is not simply all remaining rent. Lenders discount the eligible cash flow and cross-check it against accepted property value, existing debt, lease term, tenant risk, costs and policy.
What LVR may be available?
Up to approximately 75–80% of lender-accepted property value may be possible in selected scenarios. Many transactions have lower maximums, and the eligible rental stream may impose a lower limit.
Can residential and commercial rent be considered?
Potentially. The property, lease, purpose, borrower, regulatory position and lender mandate must all be acceptable.
What makes a lease suitable?
A current executed lease, clear rental schedule, reliable payment history, adequate remaining term and acceptable tenant commonly support the assessment.
Can credit issues or tax debt be considered?
Yes, in selected scenarios. The cause, current position, property equity, lease strength, purpose and repayment strategy are assessed together.
Are full financial statements always required?
Not always. Selected lenders may consider leases, rent ledgers, bank statements, BAS, valuations, accountant information and other evidence, depending on the transaction.
Does the tenant need to be notified?
This depends on the legal and security structure. Any assignment, direction to pay, notice or consent requirement should be clearly explained before commitment.
What happens if the tenant stops paying?
Tenant arrears or lease termination can affect repayment and may trigger rights under the finance documents. The consequences must be understood before proceeding.
What costs should be considered?
Costs may include interest, establishment or brokerage fees, valuation, legal expenses, due diligence and discharge costs. Proposed costs should be reviewed in full.
How quickly can the facility settle?
Timing depends on lease verification, valuation, documents, legal requirements, lender capacity and complexity. Urgent scenarios may be prioritised, but timing is not guaranteed.
How is the facility repaid?
Depending on the structure, repayment may come from rental receipts, refinance, property sale or another agreed and evidenced exit.
Rental income desk
Do not wait for twelve monthly payments to test one opportunity today.
Share the lease, property, numbers, timing and purpose. We will explain whether an advance may be realistic and what evidence is needed next.
