ACMFinance  | Fast Property & Construction Finance

About Us

Founded in July 2000, ACMFinance.com has evolved over time to where it is today.

Our History

ACMF was founded due to a need by property developers requiring project funding and an ethical short term lender. Our philosophy is transparent, simplified asset based lending.

CEO, Founding Partner

Our Key Executives

Albert Callegher
CEO

Albert has over 30 years' experience in finance and property development. He commenced his career at NAB, then then stock market and commercial property development in SA during the 1990's. Albert started a finance business in 2000 known as ACMFinance after finding a niche market. Albert’s specialty is structured finance for property development, placements, and collections having a high level of understanding of the finance cycle, lending, property development cycle, funds & profits repayment, and development related criteria.

Vincent Heng
Lending Executive

Vincent is an Accountant with a Business degree, who carries out in-house accountancy, as well as performs due diligence and compliance activities for the company.

Vincent’s background is in diversified business, holding various accountancy roles, specialising in financial forecasting, planning and reporting.

Dr Pasquale Franzese
Independent Investment Committee

Pasquale has over 30 years' experience in banking, property finance, investment, management and tax effective financing. A former career banker with NAB, ANZ and 2 international banks, he has spent the last 18 years within the funds management industry holding numerous roles such as ASIC approved Compliance Officer, Responsible Manager as well as a Board Member of several Fund Managers. He has a deep insight in lending, funds management and compliance. A Doctor of finance, Pasquale is one of Melbourne’s most respected senior finance executives.

Lena Vassallo
Associate Director

Lena has diversified business management experience, including 20 years in business administration as well as compliance at a senior government department in South Australia. Lena was a confidant and general advisor to the former State Premier (John Bannon). She is involved in investor relations and a general consultant to the board.

Anthony (Tony) Ivelja
Credit Advisory

Former director and career Credit Manager with over 30 years experience in banking operations in loan assessments and credit committee activities.
Tony has worked at several credit unions and banks over his career and adds valuable credit experience at a grass-roots level, and compliment credit panel.
Tony holds a BA (Business) and has been with ACMF since 2014, now semi-retired, he remains an advisor to the board since 2019.

Dr Pasquale Franzese
Fund Manager

Known as “Pas” a former career banker with NAB, ANZ and 2 International Banks at senior management roles. He has spent the last 18 years within the Funds Management industry holding numerous roles such as ASIC approved Compliance Officer and Responsible Manager roles on AFSL, Board member of several Fund Managers with deep insight in lending, loans management and general funds management and compliance. A Doctor of finance holding numerous degrees in banking and finance, Pas is one of Melbourne’s most respected senior finance executives.

Anthony (Tony) Ivelja
Credit Advisory

Former director and career Credit Manager with over 30 years experience in banking operations in loan assessments and credit committee activities.
Tony has worked at several credit unions and banks over his career and adds valuable credit experience at a grass-roots level, and compliment credit panel.
Tony holds a BA (Business) and has been with ACMF since 2014, now semi-retired, he remains an advisor to the board since 2019.

Cassie Calle
Marketing Director

Former Head of Marketing & Sales, Cassie has managed large marketing and sales teams across retail and private industries. Known for her strong communication skills, Cassie leads the team to drive business growth and

About Us

Our firm is a specialist boutique financier with direct or exclusive relationships co-guaranteeing and co-investing. We are not a general broker. Our broker network can rely on the fact that we do not compete, their clients belong to them and our core focus is on a handful of funding sources whereby ACMF is part of the credit and assessment team.

Our key executives each have decades of experience in Construction, Banking, Property Development, Legal, Bridging Finance Accountancy, Auditing, and other related experience.

ACMF teams up Investors, Managed Funds, and our own funds to structure a complete finance facility.

A loan with a low LVR is easy to fund via a bank, however, after a bank assessing cost and time parameters, contingencies, lower valuations than expected results in a bank loan rejection.

Developers that prefer to make their capital work harder require a suitable structured facility allowing a greater return on equity. Bank requirements can be up to 100% greater equity requirement and are inflexible with items such as pre-sales, whereas we customise a loan to suit the client's requirements.

As a result of our experience, we are often taken on as a general consulting firm from inception to completion, assessing feasibility, finance structuring, and profitability.

Our strength is to make up the total budget required to fund a project. Anyone can fund 50-65% LVR however after valuation, QS & credit requirements typically the average land acquisition or development may require 5% to 10% additional LVR top-up. This is where ACMF stands out.

COMPANY PHILOSOPHY - simplified, transparent lending

Urgent Bridging Finance

100

First & Second Mortgages

100

Construction Lending

100
What We Do

What We Do

From property construction finance to land banking, we offer a range of financial products to suit your needs.

For Investors

We are committed to providing our lending partners with secure, transparent deal flow.

Refinancing existing loans

Why Choose Us

View some examples of past projects we have financed for our clients over the years.

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