Frequently asked questions

No. Alphacon lends only for commercial and investment purposes to companies and trusts. It is not consumer credit and Alphacon does not hold an Australian Credit Licence.

We issue indicative terms the same day on complete submissions. Settlement then depends on valuation, legals and the mortgage position - typically a matter of days once documents are in.

No. Across our lending, we assess the security, the resulting LVR and a credible exit - not payslips, tax returns or financial statements.

Bridging finance is a short-term loan secured against property that covers a funding gap until a defined exit - usually the sale of an asset or a refinance to a longer-term facility. It is used when timing, not serviceability, is the constraint.

Alphacon lends from $100K to $10M secured against Australian property, for commercial and investment purposes. The amount depends on your security value, the mortgage position and your exit strategy rather than income.

Property-secured funding for any genuine commercial purpose - stock, payroll, a supplier payment, drawing against a signed contract, or a tax debt. It's assessed on your security and your exit, not your trading history.

Yes - clearing a tax debt is one of the most common reasons businesses come to us.

Equity release is property-secured lending that turns the value already built up in a property - the gap between what it's worth and what's owed against it - into cash, without needing to sell. It can be structured as a second mortgage behind an existing first mortgage, or as a refinance that releases the equity directly.

Alphacon releases from $100K to $10M, depending on the property value, any existing mortgage and your exit, since the resulting loan-to-value position is what matters, not income.

Refinance and debt rescue is property-secured lending used to replace an existing facility - because it's expiring, the lender has withdrawn support, or the position has gone into default or arrears. Alphacon pays out the existing lender and replaces the facility on terms built around your exit.

Yes, in many cases. We assess the security and a credible path forward, not just the fact that a default has been recorded. The earlier you come to us, the more options are usually available.

A commercial SMSF property loan is lending secured against business real property held inside a self-managed super fund - commercial, industrial or business-use premises - structured so the fund is the borrower under a limited recourse borrowing arrangement, with the property held by a separate trustee on a holding trust.

Alphacon lends from $200K to $5M against business real property held by the fund, to 70% of our assessed value, over 6 to 60 months. There is no servicing test: the amount follows the property and the way the facility is repaid at the end of the term.

A first mortgage is the primary, senior-ranking loan registered against a property. If the property is ever sold to recover debt, the first mortgagee is paid out before any other lender - which is why it's the lowest-risk, and usually the lowest-rate, position to lend in.

Alphacon funds first mortgages from $100K to $10M across Alphacon Bridge, Alphacon Fast, Alphacon Line and Alphacon Reach, depending on the property's value and location - not your income.

A second mortgage is a separate loan secured against a property that already has a first mortgage registered on it. It ranks behind the first - if the property is ever sold to recover debt, the first mortgagee is paid in full before the second sees anything.

Alphacon lends second mortgages from $100K to $5M on Alphacon Second, depending on your property's value, the balance owing on the first mortgage, and the resulting combined LVR - not your income.

Use the submission form, email deals@alphaconcapital.com.au, or call 1300 450 339. A few sentences and a security address is enough to get moving.

We commit to a first response within four business hours, and average around two. Indicative terms come back the same business day on a complete submission.

Accreditation is encouraged but not required to submit your first deal. We can fast-track it alongside your first submission.

If we issue you a term sheet and then withdraw it, re-trade it to your client's detriment, or cannot settle by the date in it, we pay you $1,000. The only two exceptions are a valuation shortfall and an undisclosed credit issue. It runs on term sheets issued before 31 December 2026, is capped at $5,000 per broker, and is paid within ten business days of us accepting a claim. The full conditions are at /guarantee-terms.