Commercial & Business Finance Specialists
Finance,
engineered.
Business, commercial and development lending — structured by a former bank credit assessor who builds and borrows on his own account.
★★★★★50+ five-star Google reviews · ACL 509527 · FBAA Member
The difference
Most people get
what's offered.
What's offered
- An advertised product
- Minutes at committee
What's engineered
- A higher LVR
- A corrected valuation
- Approval in days, not months
The work behind it
- Tax efficiency optimised with your accountant
- Multiple loan structures modelled internally
- Exceptions proposed to lenders
- Better terms, fees and rates negotiated
Our clients get what's possible.
The file decides it — so we engineer the file.
No rates on this site.
Rates get matched. Outcomes get engineered.
We don’t advertise rates. A rate is one dimension of an outcome — so we look at the whole picture and engineer the structure around you.
Why Prevail
Banker.
Priyank Thakkar spent years inside the banks, assessing and approving other people's deals. He knows exactly how a credit committee reads a file.
Developer.
Ten-plus completed projects of his own — townhouses, subdivisions, co-living. He knows what the money actually has to build.
Borrower.
His own name, his own money, on his own applications. He knows the wait, the follow-up questions, the valuation that comes in short.
Most brokers have sat in one of those chairs. Your file gets all three.
The founder
Priyank Thakkar.
The person your file had to convince — now the person who builds it. Years assessing and approving inside the banks; ten-plus projects of his own capital since.
Priyank Thakkar
WITH
EMPATHY
Published 2026
Co-author, Lead with Empathy — with Chris Voss
Priyank joined former FBI lead international hostage negotiator Chris Voss — author of Never Split the Difference — and a select group of professionals worldwide as co-author of Lead with Empathy. It's the discipline this firm runs on: listen first, then structure.
The plan
Three steps.
The first is free.
Thirty minutes, phone or video. No documents needed — you leave with your written pathway. Free.
If the pathway leads to us: a consulting fee for Priyank’s time and the structuring work, quoted in writing. Then we start immediately.
We engineer the file, run the lender process, and manage it to settlement.
Proceed with us, take the pathway elsewhere, or walk away. All three are fine.
Fees are consulting fees — Priyank’s time and structuring — quoted up front, case by case. The audit and your written pathway cost nothing. We charge because we deliver.
Inside the rebuild — your file's journey
What we do
Eight disciplines.
One standard.
Premises, investment assets and complex security — to 100% with the right structure.
Acquisition, working capital, equipment and asset finance — files built to be believed.
Your premises, owned by your fund — the pathway the new rules left open.
Every facility on one table. The whole position, redesigned.
Co-living and rooming stock funded to 80% — by a broker who has built them.
Land to completion — including without presales. Bank, non-bank and private.
First homes, refinance with equity release, portfolio and entity lending — built with your next move in mind.
Feasibility, structure and capital strategy, from ten-plus completed projects.
Specialist · Paid engagementCapability
How far the right
structure goes.
Commercial property purchase, with additional security or under professional policies for practice premises.
Development funding, case-by-case at major banks for the right sponsor and deal; non-bank and private credit where speed or leverage matters.
Of total development cost through non-bank pathways; bank pathways sit lower.
On rooming houses, subject to lender appetite and valuation basis. Funded metro and regional, Australia-wide.
SMSF commercial lending against business real property, subject to fund liquidity.
Private funding and joint-venture pathways for deals banks can't hold.
If your deal doesn't fit a box above, that's usually where we start.
"All I was ever told was, 'Yes, we can do that for you, and we'll make it happen.'" — Vishal Makadia · health professional
We arrange credit. We do not advise on whether an SMSF or property strategy is right for you — that belongs with your licensed financial adviser and accountant, and we run every one of these deals alongside both.
Who we work with
Built for people whose
finances outgrew the branch.
Business owners
Your financials tell a story most lenders misread. We translate.
"They went way beyond what a standard finance broker would do, managing to secure a massive exception with NAB to approve us on just a single year of business financials."— Saurabh Patel
Self-employed
Two years of financials is their rule. It isn't your ceiling.
"As self-employed applicants, we knew getting a loan wouldn't be straightforward, but they made the entire journey feel incredibly easy and stress-free."— Jignasa Patel · Accountant
Trades & construction
You know buildings. We know the finance that turns them into wealth.
"I'm a tradie… Even with my construction background, two of those four hadn't crossed my mind."— Sachin Patel
Medical & health professionals
Practice premises, entity structures and the policies written for your profession.
"As a health professional purchasing an owner-occupied family home through a Corporate Entity with a 90% No-LMI waiver, our situation was anything but straightforward."— Vishal Makadia
HNI & investors
Entity lending, portfolio structure and capital strategy across everything you hold.
"He is a strategic adviser who understands property, finance, and negotiation at a level we haven't encountered anywhere else."— Hansa Bhatol
Property developers
Funded by people who have stood on their own sites at progress-payment time.
"He has helped us with the Financial Feasibility of a few Property Development projects in the Past."— Aneel Khowaja · Property Developer & Investor
Outcomes
What "engineered"
looks like.
Behind every number below: accountant-aligned structuring, scenario modelling, lender exceptions, negotiated terms.
More than expected
Where 80% was the plan — a nursing policy most borrowers never hear about.
Jay Patel · First homeWhere banks demand two. NAB exception, 95% shared-equity, no LMI.
Saurabh Patel · Business owner"When we were expecting much less."
Hina Patel · CommercialSecured at the critical point before settlement.
Yash Luthra · SMSF · Buyer’s advocateFaster than expected
Five per cent down, the structure mapped from day one.
Sachin Patel · First homeApplication to unconditional — after managing the entire acquisition.
Hansa Bhatol · InvestorMoney found beyond the loan
Three valuers came in short. Independent valuation arranged, lender challenged, loan approved.
Ami Gandhi · Land & buildNegotiated directly with the developer and their lawyers.
Kalpesh Gandhi · First homeSunil renegotiated the rate mid-process — without being asked.
Mayursinh · Owner-occupierBeyond broking
SMSF, commercial, residential — and the loan that bought the next business.
Mukesh Sharma · Business owner & investorEvery result above comes from a published Google review — the client’s words, not ours.
"He does not talk through the hurdles, he talks to the solutions."— Sanjay · IT Professional
Seekers+ · The Podcast
Learn from the people who build here.
Architects, builders, town planners, lawyers — long-form conversations hosted by Priyank. Education first. No pitch.
Before you book
Fair questions.
Straight answers.
What is the Forensic Audit?
Thirty minutes with Priyank — your deal read the way the credit committee will read it. You leave with a written pathway. It costs nothing.
What does the work cost?
If we take your file on: a consulting fee for Priyank’s time and structuring — $550 incl. GST for home lending, $1,650–$2,750 incl. GST for business and SMSF, quoted in writing before we start; development, commercial and other complex engagements quoted individually. We charge because we deliver — the same engineering behind every result on this page. And you see your written pathway before you pay a cent.
Do you do standard home loans?
Complexity, not size, is the test. A straightforward PAYG loan at the sharpest advertised rate is a real service — it just isn’t ours, and we’ll point you somewhere good.
How fast can you move?
Speed follows the file. Files we’ve engineered have gone from application to unconditional approval in 36 and 48 hours — both from published client reviews. Enquiries get a response within four business hours.
Do you work with my accountant?
Always, on entity and SMSF work. Tax-efficient structuring starts with your accountant in the room — we run the lending lane, not around them.
I’ve already been declined — is it worth talking?
A no is information, not a verdict. Most declined deals were badly presented, not bad. The audit reads your decline the way the committee did, then we rebuild the file.
Capability
How far the right
structure goes.
Deals succeed on teams. Accountants, lawyers, town planners, builders, buyer’s advocates — we introduce you to specialists we already trust, so the whole journey runs smoother than finance alone can make it.
If your deal doesn’t fit a box above, that’s usually where we start.
"All I was ever told was, ‘Yes, we can do that for you, and we’ll make it happen.’" — Vishal Makadia · health professional