First and second mortgages from $100,000 to $25 million for Australian businesses, with conditional approval within 24 hours.
We provide SMEs and corporate borrowers with dependable access to short-term private credit for business and investment purposes, secured by Australian real estate through first and second mortgages. Our asset-backed, credit-driven approach combines flexible structuring with efficient execution, so you can meet critical timeframes and move forward with confidence.
Whether you need senior funding or want to draw on equity behind an existing lender, the structure follows the transaction. Indicative only; all loans are subject to credit approval and valuation.
For a purchase, an urgent settlement, or refinancing a lender who will not extend.
To release equity in property your business or trust owns, without touching the existing bank loan.
These are the situations we see most often. If yours is not listed it is still worth a call, because if the property and the exit stack up we can usually structure something.
Complete a purchase on time, including where a notice to complete has been served or bank finance has fallen through.
Learn moreFund contracts, stock, payroll or seasonal gaps against property security.
Learn moreReplace a lender whose facility has expired, or who is unwilling to extend.
Learn moreUnlock equity in property you already own to fund growth or working capital.
Learn morePay out ATO liabilities or fund a DOCA or small business restructuring plan.
Learn moreShort-term capital with a defined exit: a bridge to sale, to refinance or to a capital event.
Learn moreTell us about the property, the amount you need, the purpose and how the loan will be repaid. Your broker can submit on your behalf.
If the scenario fits, we issue a letter of offer within 24 hours with every rate and fee set out upfront.
We instruct an independent valuation and complete our credit and title checks.
Our solicitors prepare the loan and mortgage documents for signing.
We settle on your timeframe and stay your point of contact through to repayment.
Transactions we have settled and scenarios we fund most often. Every one was assessed on the security, the purpose and a clear exit.
1st mortgageSettledBank approval withdrawn ten days before settlement over a valuation shortfall, with a notice to complete served and a $320,000 deposit at risk. We settled the purchase in six days. Repaid when the bank finance came through four months later.
2nd mortgageSettledA services business in administration needed to fund a DOCA contribution and working capital to trade out. The directors’ industrial unit had equity behind a bank loan they wanted to keep. Repaid from trading and a bank refinance once the deed completed.
1st mortgageSettledA cabinetry builder won a fit-out contract for a hotel chain but needed to buy materials and put on staff two months before the first progress payment. Secured against the owner’s debt-free workshop and repaid from contract payments over the term.
1st mortgageSettledThe owner of a mixed-use building had a bank facility expire while a lease dispute held up the refinance, and the bank would not extend. We paid out the facility, giving the owner time to resolve the lease and refinance to a new lender at month 14.
2nd mortgageSettledA fashion importer with a Melbourne head office had a $2M order from a national retailer and needed to pay overseas suppliers before shipment. The bank’s trade finance limit would not stretch. Secured behind the owner’s home loan, repaid when the retailer paid on delivery.
1st mortgageSettledA logistics company’s ATO debt had reached $1.9M with a director penalty notice issued. We refinanced the existing bank loan on their warehouse and paid out the ATO in one facility. Repaid through a bank refinance once the tax position was clean.
1st mortgageSettledThe owners of a transport business bought a 4,000 sqm industrial complex to bring two depots under one roof, with settlement due before the sale of their existing depot completed. We funded the purchase with a first mortgage over both properties. The depot sale repaid most of the loan at month five and their bank refinanced the balance.
2nd mortgageSettledEquity released behind an existing bank facility to pay out an ATO liability, without disturbing the bank loan. Repaid from a bank refinance once the tax position was clean.
1st mortgageSettledA Gold Coast developer’s construction lender withdrew with a twelve-townhouse project 70% complete and the builder in liquidation. We funded completion with a replacement builder, drawn against progress. Repaid from the sale of the first six units.
1st mortgageSettledA Sunshine Coast restaurant group had four separate facilities: an overdraft, equipment finance, a caveat loan at 24% and an ATO payment plan. Consolidated into one loan against their freehold premises, cutting monthly outgoings by more than half. Repaid via bank refinance.
1st mortgageSettledA mining services contractor lost its main client and its bank called the facility. New contracts were signed but needed six months of cash flow to ramp up. Secured against the company’s workshop and repaid from a bank refinance after two quarters of trading.
2nd mortgageSettledA Canberra government contractor was awarded a two-year contract but needed working capital to hire before the first invoice cycle. Secured behind the existing bank loan on their office and repaid from contract cash flow.
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