Archer Wealth

Archer Wealth Growing your ideas. Funding your dreams. We are your private lender.

05/06/2026

One of the Big Banks pulled finance on a $2m acquisition.

The borrower had already signed contracts and was days from settlement. Then the servicing calc shifted, and the indicative approval evaporated. It landed on my desk.

Files like this are up 30% to 40% on what I was seeing three months ago. Tier one banks tightened on bigger borrowers first. Smaller sponsors are catching it now, too. Even files that would normally move through a non-bank are coming back to private credit.

Each one plays out the same way. A broker submits a file that the bank has cleared. Mid-process, the lender moves the rules, and the broker is fixing a hole somebody else dug with the clock running out. An indicative approval is non-binding the moment the bank decides it doesn’t want the file anymore.

This is the gap Archer was built for. Indicative terms within hours, settled in under two weeks.

03/06/2026

A broker called one of my BDMs. Other brokers had told him Archer’s commercial and hungry for business.

It tells me the market is starting to talk about us.

Two numbers describe how our broker base changed over time:

• 5 to 6 core brokers used to write 70% to 80% of our volume
• 234 broker partners on the panel today, none above 10%

Brokers are increasingly referring other brokers to us. Those referrals happen because we settle deals in days that other lenders take weeks to respond to.

Internally, the BDM team changed, too. A handful of repeat relationships used to drive almost everything. Now the team is in front of new brokers every week, and the deal mix sits with people we have to win each time.

Word moves faster than any campaign.

01/06/2026

I met James when I was still working at the bank.

Could not help him then. Too complex for the system.

Months later, I became a broker. He found me again.
Asked if I could help now.

He was about to go bankrupt.

We refinanced everything through a non-bank. Cleared the mess. Put him on a clean slate.

Then I brought up the financial health check.

He said he was not in the headspace. I told him he should be. His income was strong. The problems were situational. Fixable.

Over the next few years, I watched James go from:

↳ Near bankruptcy
↳ First investment property
↳ Second, third, fourth
↳ Getting married
↳ Selling during the regional property boom
↳ Semi retirement
↳ Investing in our business

One client. One conversation. A completely different life.

29/05/2026

I used to hear it constantly from brokers.

I can get 6% from CBA for this client. Why would I come to you guys?

My answer was always the same. If you could get it, you would not be calling us.

The rate exists, but 60% to 70% of commercial borrowers do not fit the criteria to access it.

Why:

• Rigid serviceability buffers
• Policy triggers that reject good borrowers
• Processing times that blow settlement deadlines

What range actually means:

• Higher LVRs when the bank caps out at 70%
• Settlements in days instead of months
• Flexible credit for situations banks will not touch

Rate is one number.

Range is the full picture of whether or not the deal actually gets done.

27/05/2026

A candidate interviewed for a role with us a while back.

I asked why she wanted to leave her current firm.

She told me they operate a lend to own model where they deliberately lend to people knowing they cannot repay, and then they take their properties.

Let that sit for a moment.

A company advertising itself as a legitimate lender while deliberately structuring loans to fail so they can seize assets from people already under financial pressure.

Small businesses, developers, and everyday Australians putting everything on the line to build something are the ones being caught up in this.

These borrowers are the backbone of the Australian economy, and there are firms out there treating them as targets rather than clients.

Private credit needs tighter regulation across the board.

ASIC has started looking harder at this space, and I genuinely hope it continues because a loan should always be structured to succeed.

25/05/2026

Archer was never supposed to be a private lender.

The goal from day one was to build a bank like institution. I spent a long time working through what that pathway actually looks like, and private credit turned out to be the right foundation to start from.

Institutional funding follows after that. Then, reducing the cost of capital over time. Eventually, getting a banking licence or operating a non bank lender that scales like a bank.

Ask anyone on my team what we are building toward, and they will all give you the same answer. It’s not a secret, and it’s not aspirational. It is the plan we are executing every single day.

For brokers, this matters because as our funding base matures, the cost of working with us comes down. Faster decisions, broader products, and pricing that improve as we scale.

Private credit is not the destination. It is the vehicle.

22/05/2026

SCENARIO: A borrower needs six months to complete their exit strategy. The lender offers a three-month term. Option to roll over at expiry.

Sounds fine.

REALITY: Three months pass. The lender decides not to roll. Loan defaults. Property is at risk. The borrower had zero protection because the term never matched the exit.

THE LESSON: Lenders who structure short terms against long exits are not being flexible. Creating optionality for themselves at the borrower's expense is what that actually is.

If you are packaging a private deal, one question matters above everything:

Does the loan term actually align with how and when the borrower can repay?

If it does not, you may not be solving the problem. You may be setting up the default.

Five years ago Archer Wealth was two people and three investors. The Financial Times has now placed us at number 109 on ...
21/05/2026

Five years ago Archer Wealth was two people and three investors. The Financial Times has now placed us at number 109 on its 2026 list of the 500 fastest-growing companies in Asia-Pacific.

That growth was built by brokers who picked up our calls early, borrowers who trusted us with real deadlines, and a team that backed the idea when there wasn't much to back. Thank you to every one of them — and to the friend's parents who were one of our first three investors and probably still don't realise what they kicked off.

https://www.archer-wealth.com/news/financial-times-high-growth-companies-asia-pacific-2026

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Sydney, NSW
2022

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