About ACM Finance
A boutique finance group that understands construction.
Simplified, transparent, asset-based lending. Structured by people who have built, banked and funded.
Established 2001 · Melbourne
ACM Finance was established to fill a gap property developers know well: funding that understands construction. Projects stall not because the fundamentals are wrong, but because the facility behind them was structured with no feel for how a build actually runs, how programmes shift and how a variation lands.
Who we are
A specialist boutique finance group built around construction funding.
Our forte is bridging the total budget gap required to fund a project.
Most banks will finance an LVR of 50–65%. It is the additional top-up of 5–10% after valuation, quantity surveyor and credit requirements that stalls projects. That is where ACM Finance works.
We bring together investors, managed funds and our own fund to structure a complete facility, and are often engaged from inception to completion, including feasibility assessment, finance structuring and profitability evaluation.
Our management team
The people behind ACM Finance.
AC
Albert Callegher
Managing Director
Albert has more than 30 years in finance and property development, and founded ACM Finance in 2001.
He began his career at NAB, then moved through the stock market and into commercial property development in South Australia during the 1990s. He established ACM Finance after identifying a niche the banks were not serving.
His specialty is structured finance for property development, placements and collections, drawing on a detailed understanding of the finance cycle, the development cycle, repayment of funds and profits, and development-related credit criteria.
DV
Dinuk Vithanage
Lending Manager
Dinuk brings two decades in banking and finance, underpinned by a Bachelor of Commerce.
His career includes five years in lending management at Commonwealth Bank and a further tenure at Fleet Partners in vehicle finance and leasing, giving him a strong command of credit processes, borrower assessment and end-to-end loan administration.
At Australian Commercial Mortgage Fund he oversees all construction lending activity, ensuring each facility is rigorously assessed, appropriately structured and managed across the full project lifecycle.
VH
Vincent Heng
Senior Lending Analyst & Accountant
Vincent holds a Bachelor of Business and oversees the group's accounting alongside the analytical functions of the business.
He plays a central role in financial modelling, investment assessment and due diligence, and in the evaluation process that sits behind each opportunity.
His background spans diversified commercial environments in financial forecasting, strategic planning and risk analysis. That combination of technical accounting and analysis strengthens the group's decision-making and supports disciplined, data-driven investment management.
KG
Kaveena Gamage
In-House Legal Counsel
Kaveena specialises in commercial banking, finance and property law.
Over two years at Purcell Partners she facilitated complex funding deals exceeding $200 million and advised on lending structures, risk management and commercial negotiations.
She is known for legal drafting, research and stakeholder engagement, and for delivering efficient, client-focused legal solutions in-house.
Explore
What we do
From construction finance to land banking, a range of facilities structured to the project.
For investors
Secured, transparent investment opportunities backed by real property assets.
Case studies
Projects we have funded across Victoria, New South Wales, Queensland and South Australia.
Quick contact
Talk to the people who decide.
Whether you are a developer with a live project or an introducer with a client, you speak directly to the team assessing the deal.
Level 9, 488 Bourke Street, Melbourne