Sydney Mortgage and Commercial Finance, Assessed From Inside the Bank
Our partners spent their careers in lender credit teams — assessing applications, setting pricing exceptions, and deciding which files were approved. Providence exists to put that assessment on your side of the desk.
Adrian Ressas
Director, Providence Lending Group
The Credit Lens, On Your Side
Adrian is a specialist commercial lending broker with over 20 years of senior banking experience, including leading the Sydney CBD Business Banking division at Commonwealth Bank of Australia. In that role he oversaw a commercial lending portfolio exceeding $1 billion, working directly with business owners and investors across property, healthcare, professional services, hospitality, manufacturing, and retail.
That inside experience means Adrian understands how credit decisions are actually made — and how to position a deal for the best possible outcome before it reaches a lender. He has guided clients through complex funding transactions, from commercial property acquisitions to business finance restructures and specialist lending scenarios.
At Providence Lending Group, Adrian specialises in commercial loans, business lending, and the more complex funding scenarios where structure and lender selection determine the result. Clients value his straight-talking advice, practical judgement, and long-term commitment to getting the right outcome — not just the easy one.
Assessed From The Other Side of The Desk
For over twenty years, Adrian sat on the lender’s side — setting pricing, reading applications, and deciding which deals cleared credit. He now brings that same assessment lens to your file before it is ever submitted, so it lands the way a credit team wants to see it.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 MoreBackground
- Led Sydney CBD Business Banking, Commonwealth Bank of Australia
- Oversaw a commercial lending portfolio exceeding $1 billion
- Worked across property, healthcare, professional services, hospitality, manufacturing, and retail
- 20+ years in senior banking and commercial credit assessment
Credentials
Credit Representative 576498 of Australian Credit Licence 384704
Focus: commercial, business & complex structured lending
How Adrian works
What clients can expect
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Positions your deal for credit before submission, drawing on inside assessment experience.
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Selects lenders on structure and appetite, not just the advertised rate.
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Gives you the reasoning behind each recommendation in plain terms.
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Stays with the transaction end to end, through to settlement.
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.
