We lend on what you own,
not on what you earn.
Unlock the equity in your property today. Same-day indicative terms, a credit decision within one business day, and settlement in as little as five days. Business purpose only.
- $100K–$10M
- Facility range
- Same day
- Indicative terms
- To 75%
- Maximum LVR
- Every
- AU postcode
Rather talk it through? 1300 450 339
Free indicative
Tell us the scenario.
Commercial or investment property held in a company or a trust. About a minute, then a credit specialist comes back with an indicative position.
Sound familiar
The bank said no.
Or too slow. Or too rigid.
You hold real property, you run a real business, and you have a real reason to need capital. The mainstream process was built for a salaried borrower with clean income and one simple title, not for an operator with a company, a trust, lumpy income and a date to hit. Where the purpose is business and the equity is there, that equity is the leverage.
Too slow
Deals don't wait for credit committees. By the time the bank circles back, the opportunity, or the settlement, is gone.
Too rigid
Self-employed, complex income, or a recent tax bill? A clean payslip is the only story a bank wants to hear.
Too nosey
Two years of financials, BAS, accountant letters, all before anyone will even indicate. We start with the asset.
Why Alphacon
Asset-backed lending,
priced on the security.
Terms the same day
An indicative position the day you contact us, and formal approval in as little as 24 hours.
No income verification
We read the asset, not your financials. Self-declared income accepted, no minimum credit score.
Any structure
Company, trust and SMSF borrowers, layered ownership, multiple entities. What banks call too hard.
Every postcode
Metro, regional and rural, and no break cost if you repay early on 14 days notice.
Real terms, upfront
From 8.50% p.a. on a first mortgage, with the fee schedule on the term sheet rather than after it.
The decision-maker answers
You deal directly with the people who make the credit decision. Not a call centre, not a portal.
What we fund
Capital against
the equity you own.
Commercial or investment property held in a company or a trust, for a business purpose. We do not write consumer or personal credit.
Equity release
Take the equity sitting in a property and put it to work. Cash out against commercial or investment security held in your company or trust.
- $100K - $10M
- To 75% LVR
- Same-day terms
Commercial bridging
Short-term capital for a settlement, a refinance or a window that will not wait on a bank. Sized on the exit, with interest prepaid so there is nothing to service.
- From 8.50% p.a.
- Settle in 5 days
- No risk fee
SMSF and trust lending
A self-managed super fund borrows, the property sits in a holding trust, and recourse stops at that asset. Assessed on the deal rather than a credit algorithm.
- $200K - $5M
- To 70% LVR
- Every postcode
Working capital
Capital secured against property for an operator who needs to move. Drawn as a line where the need is lumpy, so interest runs only on what is out.
- $200K - $10M
- 6 - 24 months
- Draw-only interest
What borrowers say
Trusted by the people
the banks turned down.
“Settled fast, while our bank was still asking for tax returns. They looked at the asset and moved.”
“Preapproval came back on a Sunday afternoon. Exited early with no penalty once the sale went through.”
“Looking at the security instead of income meant our self-employed clients finally had a path. It's now our first call.”
Find out what your equity will do.
Takes about a minute. No obligation, and no credit check, so it will not affect your credit score.
Straight answers
The questions we get
before every first call.
Is private lending expensive?
It is priced deal by deal, on the security and the scenario, from 8.50% p.a. on a first mortgage. For most business owners the cost of the facility is smaller than the cost of a missed window or another six weeks waiting on a bank.
I am not sure my scenario qualifies
That is what the first call is for. If a company or trust you control holds property, the purpose is business, and there is equity in the security, it is worth the conversation. SMSFs, layered structures and self-declared income are all considered.
I want to try the bank first
Fair, and most of our borrowers already have. We are not here to talk you out of a bank deal. We are here for when it stalls, falls over, or does not fit the structure you actually have.
Will my structure be a problem?
Company and trust structures are what we lend to, including layered ownership and multiple entities. What we cannot do is lend to you as an individual: every facility needs a company or trust borrower with an active ABN, and the security held in that structure.
What will the fees be?
Every term is on the term sheet before you commit, including the establishment, line, risk and management fees where they apply. Nothing appears at settlement that was not on the sheet. There is no early exit penalty on 14 days notice.
Will enquiring affect my credit score?
No. Getting an indicative position involves no credit check, so nothing is recorded against your file. We assess the security and the scenario, and there is no minimum credit score on our products.
How fast can you actually move?
Indicative terms the same business day, formal approval in as little as 24 hours, and settlement in as little as 5 days on the right deal.
Rates shown are indicative “from” figures, per annum, and are the lowest available on each product. Every facility is subject to borrower profile, security type, LVR, loan amount and credit approval. Rates, fees and terms may vary and can change without notice. All products require a company or trust borrower with an active ABN, registered for GST where turnover requires it. Commercial purpose only — Alphacon Capital is not NCCP regulated and does not provide consumer credit.
Consumer credit products, including owner-occupier home loans and consumer refinance, are not available. Nothing on this page is financial advice. Seek independent legal and financial advice before entering any credit arrangement.
Get your indicative
today.
About a minute to tell us the scenario. A credit specialist comes back to you, usually the same business day. No credit check, so enquiring will not affect your credit score.