About Ashmont Capital

Eugene Toma

Eugene deals with every client directly. He assesses the scenario, chooses the lenders, prepares the application and negotiates the terms himself, then stays involved through to settlement.

Eugene knows how a lender's credit team thinks because he's been part of one. He worked in secured underwriting at a major bank before moving into credit at a private lender.

As a credit manager, he held his own approval authority and saw deals through from assessment to settlement. His work spanned construction and development finance for subdivisions, townhouses and mixed-use towers, as well as prestige homes. He also assessed specialised securities, such as service stations with major tenants and childcare centres, that many lenders approach with caution.

That experience shapes how Ashmont works. Before an application goes anywhere, it's assessed the way a credit analyst will read it. That means knowing what the lender will question, what needs evidence and which lenders' policies actually fit.