Deal direct with the lender

business loans, 2nd mortgages caveats

Funds from $30k with settlements in days. Immediate access to your real estate equity. Desktop Valuations available. No loan repayments if required.

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Deal direct with the lender

Indicative approval letters in 1 hour

Loans to refinance, purchase or release equity. Caveat settlements puts cash in your hand even faster! DocuSign now available - even if you're OS

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Deal direct with the lender

For Corporate Trustees & Company Borrowers

Companies with Company bank statements are acceptable borrowers. Not suitable for Individuals, Sole Traders or ABN holders. No Financials

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Business Loans

how we can help

If you can borrow in the name of a Company (preferably with a Company bank statement), or have an existing Company and wish to use a SPV, have generous existing equity in property, we can provide funds to you in days!

*Our funds are not available to recipients of Gov't benefits, or to Directors that are mortgaging a family member's home and are not on their title or to purchasers with contracts in a personal name.

see our loans
1

funds in days

Urgent requirements for your Business Cashflow, ATO obligations, Staff Wages, Creditors, Inventory Purchases, Equipment

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2

Property Purchase

Up to 75% of the purchase price immediately available. Avoid forfeiting your deposit. Settle on time!

apply now
3

Bridging Loan

Haven't sold your existing property and need to access cash for a deposit or other worthwhile business purpose?

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4

Repay outstanding Debts

Refinance and consolidate business debts using equity in any property and enjoy prepaid interest if required

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5

Caveat Settlements

Don't wait up-to 2 weeks for your Bank's consent to 2nd mortgage when we'll settle using only a Caveat!

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6

property development

Complete your property renovations or construction using available equity in your land and/or dwelling

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about Us

experienced in private mortgages since 1995.

We are an established Australian Lender for several high net worth’s and family offices. Loans we provide are from their own balance sheets. Property owners and buyers across Australia requiring urgent finance will receive loan certainty, speed, confidentiality, flexibility and decisions on the spot.

We offer desktop valuations for lower lvr's, 1-2 hour full approvals, settle on a caveat instead of waiting for a 1st mortgagee consent, 2-3 hour turnaround on the preparation of your loan agreement, loan agreements using DocuSign and your funds in days.

tick tick tick

We've made it really easy to be approved and your loan funded within days

Instant app form

Simply enter your requirements into our online form for an immediate response

Australia-wide

Our loans are available in all capitals and major regionals with 50k+ populations

24/7 support

Deal directly with the decision-makers about your loan requirements and timing

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Management
Our vision

$m

Funds avail 1st Mortgages as at 1/7/2024

$m

Funds avail 2nd Mortgages as at 1/7/2024

$m

Funds avail Fast Caveats as at 1/7/2024

+

years Of exprience as at 1/7/2024

who are our business clients?

about our loans

which loan is right for you?

Loans available only to Company Directors & Corporate Trustees of Family Trusts.

see all loans

Vacant Land

70%

Rate from 10.75% per annum
Estab fee fr 1.5% (min $10,000)
  • Equity Release, Purchase, Refinance
  • Amounts from $150,000
  • Terms from 3 to 18 Months
  • Prepaid or monthly with letter
  • Variable interest only payments
  • Resi & Comc'l security
  • Desktop & Broker vals ok
  • Allow 1-2 weeks from apply to settle
apply now

2nd Mortgage/Caveat

75%

Rate from 1.5% per month
Estab 0% - 2.2% (min $10,000)
  • Equity Release, Purchase, Refinance
  • Amounts from $100,000
  • Terms from 3 to 18 Months & more
  • Prepaid or monthly with letter
  • Fixed interest only payments
  • Resi, Land & Comc'l security
  • Desktop & Broker vals ok
  • Allow 1+ weeks from apply to settle
Apply now

Mini Caveat

85%

Rate 2.5% per month
Fees total $7,500 & incl in loan
  • Any worthwhile business purpose
  • Max $30,000 with $21,000 in hand
  • Terms min 2 months - no max
  • Interest prepaid 2 months then monthly
  • Fixed interest only payments
  • Resi, Land & Comc'l security
  • Not Req'd: Vals, Legals, Accountant ltr
  • Allow 1-5 days from apply to settle
apply now

1st Mortgage

75%

Rate from 10.25% per annum
Estab Fee fr 1.5% (min $4,400)
  • Equity Release, Purchase, Refinance
  • Amounts from $100,000
  • Terms from 3 to 6 Months & more
  • Prepaid or monthly with letter
  • Variable interest only payments
  • Resi, Land & Comc'l security
  • Desktop & Broker vals ok
  • Allow 1-2 weeks from apply to settle
apply now
When you apply

Information you need to know

Simply click this button or any of the apply now buttons on our website apply now and take a minute to complete the information we require.

You'll know we've received your application as an automatic email will be sent to you as confirmation.

Allow an hour or so during business hours for a manager to review the details in your app form and assess the loan for suitability.

You may receive a call to discuss additional requirements.

If our assessors are happy with the information provided, you'll receive an indicative loan approval.

Our loan applications require the following for each Director, each Guarantor and owners on the title(s):

Drivers Licence(s), Council Rates notice(s), Trust Deed(s) if applicable, bank or non-bank loan statements (can be from the internet) clearly showing borrower name(s) and loan balance(s) if applicable, Payout Amount(s) for loans or caveats that are to be paid from settlement funds if applicable.

Upon receiving your online loan application, generated when you clicked the apply now button, an assessor will review everything you have told us and if we can provide you with a loan, you'll be provided with an indicative approval letter that includes a list of items we now require to finalise our due-diligence.

Accepting our indicative approval offer letter let's us know you wish to proceed. Payment of a valuation(s) fee per property(s) offered as security will be quoted.

When you have provided the list of items requested in the indicative approval letter, our assessor will generate a conditional loan approval and send to you by email.

Often we receive requests for loan amounts less than our minimum. There is a $4,000 + GST minimum fee our loans.

The lender's legal fee is from $3,000 + GST + approx $880 in disbursements and whatever your broker charges.

It becomes expensive for lower loan amounts.

When your new loan is ready to be funded, your nominated Solicitor will be sent a loan agreement for Directors and Guarantors to sign and attend to settlement requirements.

Because its a privately funded Business loan, all Directors and Guarantors are required to have independant legal advice by a Solicitor.

Unlike home loans where you simply walk into any bank branch and sit with a manager or sign in front of any JP or Cdec, privately funded loans require a Solicitor that will fully explain the loan agreement.

The Solicitor will assist with the documentation requirements and certify identification and statements.

Your Solicitor liaises with the lender's Solicitor to finalise settlement requirements and send funds to your account.

During the term of the loan, we're here for you when you have questions or concerns about your loan.

Contact us or your lender for your loan statement requirements, variations to your loan i.e further increases in loan amount or additional loan term requirements.

When you're ready to repay the loan funds back to the lender, we'll send you our discharge request form for all Directors and Guarantors to complete.