Zenda Capital

Debt & Capital Advisory

Capital, structured with intent.

Zenda Capital is an independent debt and capital advisory. We design and execute the funding strategy behind ambitious projects and capital-intensive businesses - across property, healthcare, infrastructure and social assets.

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20+ years
Institutional banking and advisory experience across major Australian and international banks.
$10m-$150m+
Typical engagement size per group, from single facilities to whole-of-portfolio strategy.
Whole-of-market
Access across major banks, private credit, non-bank specialists and impact capital.

Our approach

Independent advice, aligned to your balance sheet - not a lender’s.

We match the structure of debt, mezzanine, equity and mission-aligned capital to your operational risk, regulatory setting and long-term strategy - funding sustainable growth without diluting ownership or purpose. Every engagement is bespoke and led directly with the board, CEO and CFO.

Capabilities

Advisory across the full capital structure.

Comprehensive capability from first diagnostic to executed facility - and the strategic support that follows.

Capital Structure Optimisation

Designing the optimal mix of senior debt, mezzanine, reserves and mission-aligned capital across property, infrastructure and social assets - funding growth without diluting ownership or purpose.

Development & Project Finance

Construction facility structuring, drawdown and cost-to-complete mechanics, presales and pre-commitment requirements across greenfield and brownfield projects.

Liquidity & Covenant Management

Cash-flow and receivables modelling, liquidity resilience planning and covenant sensitivity analysis across operating cycles - preserving liquidity and lender confidence.

Growth & Acquisition Funding

Platform scaling, consolidation and development capital to fund organic and acquisitive growth across multi-site and multi-asset operators.

Balance Sheet Repositioning

Restructuring and repricing legacy facilities to improve credit profile and optimise funding costs across the balance sheet.

Strategic Lender Negotiations

Creating competitive tension across bank, non-bank and impact-capital providers to secure improved terms and diversified, resilient funding.

Sector coverage

Deep specialist capability where capital is complex.

Two decades of national sector leadership in the asset classes where regulation, covenants and capital intensity meet.

Seniors Living & Aged Care

Development to operational finance for retirement living & aged care
  • DMF / RAD and aged-care liquidity structuring
  • Village and portfolio refinancing
  • Home Care and Support at Home transition
  • Aged Care Act covenant calibration
  • Refurbishment and upgrade capital

NDIS SDA & Social Housing

Purpose-built and affordable housing finance for providers & investors
  • SDA construction and investment finance
  • SIL provider lease and RRC structuring
  • Community Housing Provider facilities
  • Build-to-Rent construction and investment debt
  • Impact and ESG-aligned long-duration capital

Infrastructure, Energy & Resources

Capital-intensive project finance across energy, resources & infrastructure
  • Project and development finance
  • Plant, equipment and heavy-asset finance
  • Offtake and contract-backed funding
  • Availability-payment and concession structures
  • Covenant structuring through commodity cycles

Commercial & Industrial Property

Debt structuring for corporate, private & institutional owners
  • Acquisition and development funding
  • Portfolio refinancing and recapitalisation
  • Balance sheet and covenant optimisation
  • Growth and consolidation capital

Medical & Health Services

Capital for labour-intensive medical and healthcare operators
  • Pharmacy acquisition, roll-up and fit-out finance
  • GP and primary care clinic funding
  • Specialist, day-surgery and procedural facilities
  • Diagnostics, imaging and pathology equipment finance
  • Practice acquisition, goodwill and working capital
  • Medical fit-out, refurbishment and consolidation capital

The engagement

A structured, four-phase advisory process.

01

Strategic Diagnostic

  • Business model & funding assessment
  • Regulatory and sector risk review
  • Existing facility & covenant analysis
  • Capital intensity & return profile
02

Capital Structure Design

  • Debt / mezzanine / equity mix
  • Duration & amortisation profile
  • Covenant & liquidity modelling
  • Presales & cost-to-complete analysis
03

Market Engagement

  • Targeted lender strategy
  • Competitive tension management
  • Term-sheet negotiation
  • Banks, private credit & impact capital
04

Execution & Ongoing Support

  • Documentation oversight
  • Covenant optimisation
  • Ongoing strategic funding support
  • Capital strategy reviews & refinancing

Capital access

Across the full capital spectrum.

From construction through to stabilised portfolios - sourced from the funding pool that fits the mandate, not a single balance sheet.

Major Banks

Senior construction and investment debt, and refinancing for stabilised assets.

Private Credit

Mezzanine, stretch senior, bridge and residual stock finance.

Impact & ESG Capital

Long-duration, mission-aligned capital for social and economic infrastructure.

Non-Bank Specialists

Flexible, structured solutions for complex or time-critical transactions.

The principal

Institutional pedigree, independently applied.

Kaizaad Mehta
Founder & Principal

Kaizaad brings more than twenty years of banking and advisory experience across Westpac, CBA and HSBC. He led Westpac’s industry specialisation division and held national sector leadership roles - including National Head of Health and National Director Healthcare - developing risk appetite and sector credit policy for social infrastructure, healthcare and capital-intensive industries at a national level.

He advises directly at board, CEO and CFO level, and specialises in capital structure design, balance sheet optimisation, development and construction finance, and strategic lender negotiations across seniors living, social infrastructure and broader property and corporate sectors.

  • Credentials
  • 20+ years across major banks - Westpac, CBA & HSBC
  • Former National Head of Health, Westpac
  • Former National Director Healthcare, CBA
  • Led Westpac’s industry specialisation division
  • Sector credit policy - seniors living, healthcare, NDIS & infrastructure
  • Whole-of-market lender network - major banks to private credit

Start a conversation

Ready to discuss your capital strategy?

A confidential, no-obligation conversation about your project, balance sheet or funding position.

Emailkaizaad@zendacapital.com.au Phone0413 355 337
AdvisingNationally across Australia