The broker on your deal
Sam Gardiner
Ex-developer turned development finance broker. Sam reads a feasibility the way a builder reads a slab plan: he sees where the load sits. When your deal reaches a credit team, Sam is the one on the phone with the numbers memorised and every objection already answered.
Why developers use Sam
BackgroundHe has been the borrowerSam has stood where you stand: land settled, builder waiting, bank slow. He built ASAP Capital to be the broker he needed then.
FocusDevelopment finance onlyConstruction, land bank, residual stock, mezzanine and preferred equity, bridging and rescues, full capital stacks. No home loans, no car finance. One thing, done properly.
PanelBanks, non-banks, private fundsTwenty active development lenders across Queensland and interstate. Sam knows which credit committee sits when, and what each one will and will not touch this quarter.
RecognitionAwarded and featuredAMA Excellence Awardee, Specialist Lending 2023. Finsure Finance QLD Broker of the Year Finalist FY22. MPA Magazine Featured Broker, January 2024.
How Sam works a deal
- You send it. Sixty seconds, speak or type.Site, numbers, timing, what the bank said. Upload what you have. You get a reference and a clock.
- Within 4 hours: Sam's first read.He tells you whether it is a deal, what shape it needs to be, and what is missing. If it is not for him he says so and points you somewhere useful.
- Within 48 hours: indicative terms.Which lenders, at what leverage and pricing, with the structure written down so you can test it against your feasibility.
- You choose. Sam runs it.A one-page engagement letter, then Sam presents to the lender himself. You are copied on every step. Nothing goes to a lender without your say-so.
- Settlement, typically inside 21 days from term sheet.Sam stays on it through valuation, QS and drawdown set-up. Your page updates as each stage clears.
What Sam will not do
- Shop your deal to the whole market. It goes to the lenders it fits, and you approve the list.
- Take a fee you did not agree to in writing before anything is lodged.
- Tell you a deal works when it does not. A fast no is worth more than a slow maybe.
Ready when you are
If you are still weighing it up, that is fine. Call and talk it through with Sam first, or send the deal and let his first read do the talking.
Sam Gardiner · Credit Representative 474370 of BWM Licensees Pty Ltd, Australian Credit Licence 384704 · ABN 84 602 422 668 · Credit guide · Privacy · Complaints