About Us
A Considered Approach to Property Finance
Zaya Capital + Finance is a specialist property finance and capital advisory firm providing tailored funding solutions across all stages of property development and investment, and property backed operating businesses.
We combine structuring expertise, established relationships across banks and alternative capital providers, and hands-on execution to help clients navigate complex funding requirements — from initial strategy and market engagement through negotiation and settlement, with ongoing support throughout the life of the facility.
OUR APPROACH
Funding is more than finding a lender
Every construction project carries its own objectives, constraints, timing and risk profile. We take the time to understand the transaction first, then develop a funding strategy and capital structure aligned with its delivery and intended outcome.
01
Understand
Assess the transaction, commercial objectives, feasibility, timing, key risks, capital requirements and proposed exit strategy.
02
Structure
Develop a tailored funding strategy and capital structure aligned with the transaction and its intended outcome.
03
position
Position the opportunity clearly, addressing key credit considerations and presenting the transaction in a way that enables capital providers to assess it efficiently.
04
Source
Undertake a targeted market process across suitable banks, non-bank lenders and private capital providers based on the requirements of the transaction.
05
Execute
Assess and compare funding options, negotiate commercial terms and manage the transaction through credit approval, documentation and settlement
06
Support
Remain involved after settlement, supporting clients through lender conditions, drawdowns, compliance requirements, variations and ongoing facility management.
OUR EXPERIENCE
Experience across the full credit cycle
Institutional Banking Experience
20+ years of experience across structured property, corporate and leveraged finance, originating and structuring complex transactions across senior debt, mezzanine and equity.
Credit & Risk Perspective
First-hand understanding of how lenders assess transactions, credit risk, structure, servicing, security and exit strategies.
Restructuring Experience
Experience in debt restructuring and workout provides insight into where funding structures can come under pressure, how risks emerge and how issues can be worked through.
Borrower-side advisory
Applying that experience on behalf of clients to structure and position transactions, negotiate commercial terms and manage the funding process through credit approval, documentation, settlement and ongoing facility requirements.
WHY ZAYA
A hands-on approach to property finance
Property-Focused Advice
Specialist advice across property development, investment and commercial real estate, with funding considered in the context of the broader project.
Commercially Driven Structuring
Funding strategies aligned with your commercial objectives, project timing, risk profile and intended exit — not simply the maximum debt available.
Broad Capital Access
Access across banks, non-bank lenders, private credit and structured capital to identify funding options appropriate to the transaction.
End-to-End Execution
Direct involvement from strategy and lender engagement through negotiation, documentation, settlement and ongoing facility requirements.
Our TEAM
Experience from both sides of the transaction
Founder & Director
Narelle Grinceri
With more than 20 years’ experience in banking and finance prior to establishing Zaya Capital & Finance, Narelle brings deep experience in structuring, negotiating and executing complex debt solutions across property and corporate finance
Narelle's experience spans the full credit cycle — from originating and structuring complex property transactions to working with distressed debt and loan workouts following the Global Financial Crisis. This provides a practical understanding of not only how transactions are funded, but where structures can come under pressure and how risks can be identified and addressed early.
FOLLOW US
Zaya Capital Pty Ltd (CRN 544893) is a credit representative of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit License 391237) Zaya Capital Pty Ltd (ABN: 91 650 709 630)
In the spirit of reconciliation, ZAYA Capital & Finance acknowledges the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respect to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples today.
Copyright 2026. Australia. All Rights Reserved.