Simplex Finance was founded to give Australian businesses access to the same calibre of commercial lending expertise found inside the major banks — without the constraints of a single lender's credit policy.
Kerolos has spent over 10 years in commercial and business lending at two of Australia's largest banks, Commonwealth Bank (CBA) and National Australia Bank (NAB). Across that time, he has worked on complex transactions and lending structures spanning development finance, commercial property investment, business acquisitions and working capital solutions.
That bank-side experience gives Simplex Finance clients a genuine advantage: an understanding of how credit teams actually assess a deal, what makes a transaction "bankable," and how to structure security, cashflow and entity arrangements so an application is positioned for approval — not just submitted and hoped for.
Kerolos founded Simplex Finance to bring that expertise directly to business owners, developers and investors, with access to a broader panel of lenders than any single bank can offer.
We treat every transaction the way a credit analyst would — before it ever reaches a lender.
We start with the commercial reality of the transaction: the asset, the entity structure, the cashflow and the exit.
Security, gearing and serviceability are positioned to match lender appetite before an application is lodged.
Major bank, second-tier or private credit — we place the deal with the lender best suited to it, not the only one we know.
Book a free, no-obligation consultation to discuss how your deal could be structured and financed.
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