Structured capital,
governed properly.
We partner with founders building enterprises, sponsors delivering projects, boards navigating complexity, and investors allocating capital — across situations where disciplined structure and real execution matter.
From recapitalising operating businesses and structuring private credit, to property-backed mandates and strategic capital pathways, we start with capital structure, role clarity and downside discipline before upside is pursued.
We work with wholesale investors, trustees, founders, sponsors and strategic partners who require more than introductions or optimism. They require disciplined thinking, bounded roles, and capital pathways that can withstand scrutiny.
Debtequity is the principal strategic capital brand and structuring lead. Debt Equity Invest Pty Ltd is the regulated execution vehicle where licensed activity applies. Entity roles vary by mandate and are governed by the relevant transaction documentation and applicable law.
Defined capabilities across capital, governance and execution.
Debtequity does not try to be all things to all parties. We work in defined areas where structure, governance and commercial discipline matter.
Wholesale Investment Management
Defined wholesale-only investment management activity where documentation, approvals, governance and execution discipline are required from the outset.
Structured Private Credit
Senior secured and controlled private credit pathways with defined ranking, covenant controls and downside buffers.
Property-Backed Mandates
Land aggregation, planning-led value creation and development finance pathways with scope boundaries, valuation protocols and exit-defined logic.
Enterprise Recapitalisation
Capital stack optimisation for businesses navigating acquisition, refinancing or balance sheet complexity — solvency first, with defined liquidity pathways.
Corporate Advisory & NED
Board-level engagement where governance, fiduciary responsibilities and decision clarity matter as much as capital itself.
Strategic Capital Structuring
Principal-led structuring support where multiple parties, timing pressures and governance boundaries need alignment.
Every engagement starts with understanding the situation.
We do not operate at volume. Every engagement is assessed on its merits, structured to its context, and managed with the rigour our investors and partners expect.
Founders & Principals
You do not need a product pitch. You need capital structure, role clarity and disciplined execution when risk appetites or timing have changed.
Family Offices & UHNW
Intergenerational wealth stewardship with institutionally presented opportunities, transparent governance and disciplined capital pathways.
SMSF Trustees
Wholesale-only pathways where documentation, rights, controls and disclosure are treated with appropriate seriousness.
Institutional Allocators
Co-investment structures and managed exposure where governance integrity, reporting and role clarity are non-negotiable.
Succession & Transition Situations
We work with successionless or transitioning stakeholders where enterprise continuity, capital discipline and fair commercial outcomes need to be aligned.
Community & Mission-Aligned Capital
Stewardship-led structures for parties seeking disciplined capital deployment, transparency and long-term value over short-term optics.
Structured instruments built to the situation.
There is no standard product. Each engagement is structured to the specific commercial context and the role each entity is intended to perform.
Land Aggregation & Planning-Led Value Creation
Mandate-locked pathways with defined scope boundaries, valuation protocols, governance cadence and exit-defined realisation.
Commercial Real Estate Lending
Senior secured first mortgage facilities with ranking clarity, covenant controls, enforcement-ready documentation and downside buffers.
Deferred Consideration / Vendor Finance
Secured note and priority deed architecture with creditor protections, release mechanics and clean separation from equity participation where required.
Operating Cashflow Asset Acquisition
Senior debt and vendor participation structures with servicing resilience, conservative covenants and turnaround governance.
Enterprise Recapitalisation
Capital stack optimisation and restructuring designed to improve bankability, liquidity visibility and board-level decision clarity.
Trustee-Supervised Platform Readiness
Disclosure architecture, committee-ready documentation and governance materials built for controlled-access wholesale pathways.
Governance is not decorative. It is structural.
Where capital is involved, governance should be visible. Role clarity, approval pathways, proper documentation, disclosure discipline and respect for any licensing or trustee framework that applies.
Mandate Scoping
Define the commercial situation, capital requirement, parties, roles and governance boundaries before any pathway is discussed.
Structural Architecture
Design the instrument, security position, ranking, covenants, disclosure perimeter and exit logic using solvency-first assumptions.
Documentation & Approvals
Prepare the required legal and governance materials — IMs, deeds, security documents, resolutions and approval pathways.
Committee, Trustee or RE Oversight
Where relevant, the pathway proceeds only within the authorised, approved or supervised framework applicable to that mandate.
Execution & Management
Deployment follows the defined mandate, reporting cadence, covenant monitoring and escalation protocols applicable to the structure.
Debt Equity Invest Pty Ltd (ACN 667 892 024) operates as Corporate Authorised Representative No. 001303488 of Newport Private Wealth Pty Ltd (AFSL 451820) where licensed activity applies.
Because some situations require more than a process.
Some transactions require clear thinking, realistic structure, and disciplined judgement around risk, role clarity, governance and execution.
Principal-led engagement
We are not a volume-based brokerage model. We operate as a principal-led strategic capital partner, with roles defined by mandate, documentation and approvals.
Structuring before promotion
The architecture comes first. We do not advance opportunities that have not been properly bounded, documented and tested for downside discipline.
Role clarity across parties
Every engagement should make clear who is principal, who is adviser, who is manager, who carries risk, and what approvals govern the pathway.
Balance sheet discipline
We structure capital solutions intended to support liquidity visibility, covenant discipline and sustainable operating continuity.
Downside first
We prefer transparent downside cases, conservative buffers and commercially realistic assumptions over promotional optimism.
Stewardship-led
Debtequity approaches capital through stewardship, accountability and long-term value creation, with a preference for integrity over short-term optics.
Tim Carter — Executive Director, Debtequity Pty Ltd
Tim Carter is Executive Director and Founder of Debtequity, the principal capital structuring lead across all mandates and associated transaction platforms.
Where licensed activity applies, Debt Equity Invest Pty Ltd operates as the regulated execution vehicle as Corporate Authorised Representative No. 001303488 under Newport Private Wealth Pty Ltd AFSL 451820. Tim Carter’s Authorised Representative Number is 001 301 711.
With broad experience across wholesale investment, commercial mortgage management, corporate structuring and enterprise recapitalisation, Tim brings substantial stakeholder experience to both sides of the balance sheet.
His approach prioritises understanding people, enterprise and commercial reality before capital is deployed, with a strong emphasis on governance, stewardship and long-term value creation.
Submit a confidential mandate enquiry.
If your situation requires disciplined structuring, governance-aware capital thinking, or a practical pathway through a complex mandate.
Confidential Enquiry
If you have a mandate, transaction or capital requirement that warrants a structured conversation, we welcome your enquiry.
admin@debtequity.com.auTim Carter
Debtequity Pty Ltd
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Phone
+61 (0) 448 793 794
Contact
Submit a confidential mandate enquiry.
General information only. Wholesale audiences only where applicable. Nothing on this page constitutes an offer, invitation, personal advice or recommendation. Any transaction remains subject to documentation, approvals, licensing controls and applicable law.