What Lenders Look For in 2025: How to Secure the Right Finance

If you are planning to borrow in 2025, the game has changed. Lenders are more selective, more focused on quality, and more interested in the full picture than ever before.

At Otium Partners, we work with clients to prepare funding proposals that meet today’s expectations. We know what lenders want to see, how they assess risk, and how to position your application for success.

Here is what you need to know if you want to stay ahead of the curve.

Understanding the 2025 Lending Landscape

Gone are the days of box-ticking credit decisions. Lenders now want context, clarity, and confidence that you are in control of your finances. They are looking beyond assets and income, and paying close attention to your track record, your planning, and your professional team.

Here are a few things that really matter in 2025:

· Quality of security — location, asset type, and liquidity

· Strength and detail of your business or investment plan

· Cash flow forecasting and exit strategy

· Experience in similar projects or sectors

· Presentation of information and readiness to move

The more professional and prepared you are, the easier it is for lenders to say yes.

Real Deal: Packaging Matters

One of our clients had been struggling for months to refinance a residential portfolio. Their bank kept asking for documents but wouldn’t move forward.

We took over the case, reviewed the whole situation, and presented a structured proposal that clearly explained the client’s assets, plan, and risk profile. With the right lender and the right presentation, we secured fast approval and released the capital they needed to grow.

Why Preparation Is Everything

Lenders are not just looking at the numbers. They are looking at how you manage your finances, how realistic your assumptions are, and whether you have surrounded yourself with the right advisers.

We help clients:

· Review their lending position before approaching the market

· Prepare strong proposals that lenders can approve quickly

· Package deals in a way that pre-empts questions and delays

· Work with accountants, valuers, and lawyers to stay on track

A well-prepared application not only moves faster, it often results in better terms.

Let’s Get You Lender Ready

If you are considering borrowing in the months ahead, we will help you prepare properly. We will give you a realistic view of what is possible, guide you through the process, and help you secure the right facility for your plans.

Get in touch with Otium Partners today. We’ll help you move quickly, confidently, and with the right support behind you. You can call Jeff on 7872 601662 or email us at pa@otiumpartners.com and we’d be delighted to talk you through your options.