For Borrowers
Need capital the
banks can't deliver?
Alphacon Capital provides fast, flexible commercial loans secured against Australian property. Same-day approvals. No income verification — we assess on property value, not financials. Settlements in as fast as 5 days.
24hrs
Approval turnaround
75%
Maximum LVR
$100k–$10M
Loan range
5 days
Fastest settlement
The Problem
Banks are slow.
Your deal is not.
You have found a property. The numbers stack up. But your bank wants 6 weeks, accountant letters, tax returns, and three rounds of follow-up — and even then, they might say no.
Private lending exists for exactly this scenario. We assess deals on property value, not paperwork. If the security is there and the structure makes sense, we move fast.
Alphacon Capital is not a replacement for your bank. We are the bridge that gets you from opportunity to outcome while your bank catches up.
Common Scenarios
When borrowers come to us.
Bridging Finance
Buy before you sell. Secure the new property while waiting for your existing one to settle. No need to rush a sale at a discount.
Working Capital
Unlock equity in property you already own to fund business operations, stock purchases, or growth initiatives. Capital when you need it.
Time-Sensitive Acquisition
Off-market deals, auctions, and motivated sellers do not wait for bank timelines. We can settle in as fast as 5 days.
Refinance & Restructure
Consolidate existing debt, pay out an expiring facility, or restructure across multiple properties. Clean up your balance sheet.
Development & Construction
Our Flexi product provides progressive drawdown — draw capital as you need it and pay interest only on the drawn amount.
Bank Decline or Delay
Credit impairments, non-standard income, complex structures. The deals banks decline are exactly what we are built for.
Why Trust Us
Backed by institutional capital.
Alphacon Capital is not a mum-and-dad lender writing loans from a personal chequebook. Our lending is backed by an institutional warehouse facility with tier-1 banking support. Every loan is underwritten against clear credit criteria — giving you certainty that if we say we will settle, we settle.
We are part of the Alphacon Advisory group — a Sydney-based advisory and financial services business with a track record in M&A, capital strategy, and business growth across Australia and internationally.
Our Tools
Check before you commit.
Use our free online tools to get an instant indication before you even pick up the phone. No sign-up required. No obligation.
AI Loan Assessment
Answer a few questions about your deal and our AI will instantly tell you which product fits, calculate your LVR, estimate costs, and give you a clear yes or no.
Product Comparison
Compare our four lending products side by side — rates, LVR limits, terms, fees, and eligibility. Find the right product for your scenario in 60 seconds.
The Process
Simple. Fast. Done.
Tell us what you need
Use our online assessment tool, email us, or call. We just need to know the property, the amount, and the purpose.
We give you an answer
Same-day indicative terms. You will know within hours whether the deal works, which product fits, and what it will cost.
We settle it
Valuation, legal docs, and settlement. Target: 2-4 weeks from application to funds in your account.
Important Information
What you should know.
Commercial lending only
Alphacon Capital lends to companies and trusts registered with ASIC for commercial purposes only. Borrowers must hold an active ABN with GST registration. We do not provide personal or consumer credit.
Broker-distributed
Our loans are distributed through accredited mortgage brokers. If you do not have a broker, we can connect you with one. Use our assessment tool first to confirm your deal is viable, then we will match you with a broker in your area.
Independent legal advice
All individual guarantors are required to obtain independent legal advice before settlement. This protects you and ensures you fully understand the loan and your obligations.
No hidden costs
All fees are disclosed upfront in your indicative terms. No application fees. No early exit penalties on most products. Repay early with 14 days notice. Full transparency from day one.
Find out in 60 seconds.
Use our free AI assessment tool to instantly check your eligibility, see which product fits, and get an estimated cost breakdown. No sign-up. No obligation.