Frequently Asked Questions

Commission from lenders – In most cases, we are paid directly by the bank when a loan is successfully settled. This includes an upfront commission based on a percentage of the loan amount, as well as an ongoing trailing commission for the life of the loan. This structure means our service is typically at no direct cost to you.

Advisory or success fees – In certain cases, we may charge an advisory fee, which could be a fixed amount, an hourly rate, or a success fee based on a proportion of the benefit received. These scenarios are less common and will always be discussed and agreed upon with you upfront.

Achieving the best-priced or most valuable deal depends on several factors, which can be grouped into five key categories:

1. Risk Profile – Lenders assess factors such as industry, financial performance, security position, and serviceability when determining pricing.
2. Loan Structure – The way a loan is structured (e.g., term, interest-only vs. principal & interest, security, and covenants) can impact pricing and flexibility.
3. Market Conditions – Interest rates, competition among lenders, and the bank’s appetite for particular sectors influence pricing at any given time.
4. Negotiation Leverage – Understanding how to position your application and which lenders have the best appetite for your needs can make a significant difference.
5. Relationship & Advocacy – A finance broker has the experience, market knowledge, and lender relationships to negotiate effectively on your behalf, often securing terms that wouldn’t be offered directly to an individual borrower.

 
While banks may offer direct pricing, they are ultimately focused on their own interests. A skilled broker works for you, leveraging their knowledge and lender relationships to ensure you receive the most competitive terms available.

At JDP Capital, we offer more than straightforward transaction structuring and negotiating competitive financing solutions; we provide strategic advantages that enhance your financial position over the long term:

Greater Market Access & Leverage: With JDP Capital by your side, you retain ongoing access to multiple banks, not just the one that provided your initial deal. Our industry relationships keep you informed of market shifts, ensuring your financing remains competitive.

Expert Advocacy & Strategic Guidance: We provide insights on deal structures and lender appetites before proposals are submitted. With banks frequently adjusting their lending preferences, we help you navigate these changes and capitalise on new opportunities.

Consistent & Dedicated Support: One of the biggest frustrations in banking is changing relationship managers. At JDP Capital, you have a single, dedicated point of contact who understands your business and remains with you throughout your journey, so you only need to tell your story once.

By working with JDP Capital, you gain a trusted partner dedicated to securing the best financial outcomes for your business while providing valuable insights and strategic guidance along the way.

At JDP Capital, our commitment to clients extends well beyond deal completion. We maintain an ongoing relationship through quarterly on-site meetings, ensuring we continuously refine our understanding of your business, goals, and management approach. Acting as a strategic sounding board, we provide insights and guidance on early-stage ideas, helping you plan and position your business for future opportunities. Our proactive engagement ensures you remain abreast of the changing pulse of the finance industry and are well-prepared for your next move.