Papan Chakma
Nearly two decades of senior banking experience across Australia’s major lenders — now applied entirely on the borrower’s side of the table.
Papan Chakma
Director, Providence Lending Group
Partner — Commercial Property & Structured Lending
Papan is a mortgage broker and commercial lending specialist with nearly two decades of senior experience across ANZ, Westpac, and Commonwealth Bank, spanning a combined commercial and residential lending portfolio of $5.8 billion. His background covers commercial property finance, credit assessment, financial modelling, and the structuring of complex, high-value transactions.
Drawing on senior experience inside Australia’s major banks, Papan understands how lenders assess risk on commercial lending applications — insight he now applies entirely in his clients’ interests. He is known for his technical depth and his ability to design lending solutions that hold up under scrutiny, whether a commercial property acquisition, an SMSF lending structure, or a working capital facility under time pressure.
At Providence Lending Group, Papan specialises in commercial property loans, SMSF lending, asset finance, and working capital finance. Clients value his meticulous approach, forward-thinking strategy, and the confidence of working with a broker whose banking background informs every structure he recommends.
Inside The Banks, Before Providence
Papan spent the first phase of his career at senior level inside three of Australia’s four major banks — ANZ, Westpac, and Commonwealth Bank — across commercial and residential lending. That work covered credit assessment, financial modelling, and the structuring of complex, high-value facilities.The value to clients is direct: he knows how a lender reads an application, what a credit team looks for in a commercial deal, and where a structure will hold or fall over under scrutiny — and he builds every submission with that in mind.
Experience
- Senior banking tenure
ANZ · Westpac · CBA - Experience
Nearly two decades, commercial & residential lending - Specialisms
Commercial property · SMSF · asset finance · working capital - Core skills
Credit assessment · financial modelling · complex structuring
Credentials
Credit Representative 576498 of Australian Credit Licence 384704
Member, Mortgage & Finance Association of Australia
What Papan Works On
Areas of Specialisation
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Commercial Property Loans
Acquisition, refinance, and development facilities structured to the lender’s credit view.
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Asset Finance
Equipment and vehicle facilities priced and structured against real cash flow.
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SMSF Lending
Limited-recourse borrowing structured to survive fund-compliance and lender scrutiny.
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Working Capital Finance
Facilities built for businesses under trading pressure, not textbook conditions.
The People Behind The File
Providence is a partner-led firm. Every engagement is handled by a partner with direct credit-assessment experience — not passed to a processing queue.
Commercial Property Finance
Acquisitions, refinances, and investment facilities structured around security position and covenant headroom — not just the headline rate.
Read MoreBusiness lending & working capital
Restructuring business debt and funding trade the way an incoming credit team would read it — matched to how the business actually operates.
Read MoreComplex & specialist funding
Development finance, multi-tranche facilities, specialist SMSF commercial property lending where structure, lender appetite, and precision drive the outcome.
Read More