For property-secured debt investments
We’re highly motivated to help borrowers with quick and practical loans, tailored to meet their business and investment needs.
Our experienced team will provide you with great service and communication every step of the way.
over $200 millionin loans funded to date | fast & flexiblefor business and property professionals | attractive ratessimple, online application |
Our business & investment loans are tailored to help you complete a project, lock in an opportunity or get out of unexpected trouble.
 A Feasible Business Purpose |  Property as Security |  A Credible Exit Plan |
Property related loans, property securedLand Bank LoansFunding pending mainstream refinance or equity raising. Land bank loans allow you to take timely advantage of opportunities to purchase investment property which you intend to develop. Situations could involve re-zoning, development approval, pre-sales or perhaps the site being merged with other surrounding land. Bank refinance or the sale of land is likely to be your exit strategy. | Subdivision & Improvement FinanceFunding for subdivision costs or construction completion. Land subdivision and improvement loans assist developers with subdividing a property into lots for on-sale. This could be simply subdividing a single residential property into two separate titles, or re-zoning larger parcels of property into dozens of separate lots. Exit is usually through bank refinance, project equity raising or sale of land. |
Property LoansIdeal for starting or completing property projects. A property loan is perfect if you are an experienced developer needing to fund your next property project. Sales of the completed properties will be the usual settlement strategy. Typical scenarios include bridging finance for property purchase and funding for construction. |  |
Non-Property related loans, property securedBridging LoansFast line of credit for short term cash flow requirements of any kind. A bridging loan works well when you need funding quickly and temporarily for any purpose pending refinance, asset sale or trade out. A typical scenario is the release of equity from a property for short term cash flow needs. | Commercial Term LoansFixed period renewable. A term loan is ideal when you need a funding line for longer term business needs with an annual review of your needs. Your exit plan is likely to be via bank refinance. A typical scenario is where time is needed to realise equity in properties or to return a business in a difficult trading situation back onto an even keel. |
Turnarounds & WorkoutsPressured business situations requiring urgent cash. Businesses often face unexpected challenges – cash flow squeeze, cyclical downturns, breach of bank loan covenants and bad debts to name a few. A debt restructure, asset disposal or a business acquisition may require urgent funding. These are situations in which short term loans provided urgently prove most valuable. |  |
| Annual interest rates range from | 7% per annum. |
| Loan range | $250,000 to $4 million. Larger loans on application. |
| Minimum loan size | $250,000 |
| Average loan fee | From 2% of loan value, based on loan requirements |
| Loan to value ratios (LVR) | Maximum LVRs apply according to property type |
| Rollover Facility | Loan may be rolled over for a further term upon application. Roll over fees apply. |
| Interest Payments | Monthly payments, or capitalisation of interest on application. |
| Borrower Entity | Any business entity. |
| Loan Exit Strategy | Credible loan exit strategy required. |
| Loan Exit Fees | None at termination. Minimum loan term may apply. |
| Loan Security | First mortgage over commercial or residential property or vacant land located in metropolitan or major regional centres, nationwide. Valuations are required. |
| Settlement Timing | Where clear certificates of title are available and current valuations are held, settlement is possible within days of application. |
– STEVE JOBS
 Don’t have time to waitWe understand opportunities come and go quickly and don’t always fit bank processing timeframes. We act quickly and provide fast turnaround. Our dedicated team will keep in contact every step of the way to make sure you meet your goals on time. |  Easy application processDon’t miss out on finance because you haven’t ticked every box. We know that urgent finance situations are unique, so we tailor our credit process to suit each application on its own merits. |  Great ServiceEvery customer is looked after by our exceptional team. We provide honest and transparent communication every step of the way. |
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