Fast Metro
Boost
Streamlined, no-fuss lending designed for rapid access to capital. No income verification, no minimum credit score, 24-hour approval, and a built-in auto-extension feature at maturity.
No income verification, 24-hour approval, auto-extension
Product Features
Fees & Charges
Boost is built for speed. When a deal cannot wait for bank timelines, income verification, or credit checks, Boost cuts through the noise and delivers capital fast.
This product is designed for metro-located properties in capital cities and select surrounding areas. It requires no income documentation — borrowers self-declare their income, and we assess the deal primarily on the strength of the underlying property security. There is no minimum credit score requirement, which means borrowers who have been declined elsewhere can still access capital through Boost.
One of the standout features of Boost is the built-in auto-extension. If the loan reaches maturity and the borrower needs more time, the facility automatically extends rather than defaulting. This provides genuine breathing room and removes the cliff-edge risk that comes with many private lending products. No renegotiation, no penalty — it just rolls.
Boost supports first registered mortgages only, with loan sizes from $200,000 to $10,000,000 and terms from 6 to 24 months. For loans above $3M, security must be located in Sydney, Melbourne, or Brisbane.
The speed of Boost makes it ideal for working capital, business investment, metro property acquisitions, and urgent bridging where time is the critical factor. If you need capital tomorrow and your bank is quoting six weeks, Boost is the answer.
Boost is distributed exclusively through accredited mortgage brokers. Establishment fees start from 1.65%, and the Loan Management Fee starts from 0.1% per month. A risk fee applies based on security type and LVR — see our risk fee schedule for details.
For brokers, Boost is the product you reach for when the client needs speed and simplicity above all else. The self-declaration income model and absence of credit score requirements mean fewer documents, faster processing, and higher conversion rates.
Use Cases
When to use Boost.
Fast Working Capital
Your business needs capital now — not in six weeks. Boost unlocks equity in metro property you already own, with approval in 24 hours and no income verification required. Use the funds for stock, payroll, expansion, or any commercial purpose.
Business Investment
An investment opportunity has appeared and the window is closing. Boost provides rapid access to capital secured against existing metro property, giving you the speed to act while others are still waiting on bank approvals.
Metro Property Acquisition
Off-market deals, auctions, and time-sensitive purchases in capital cities. Boost settles fast, so you can secure the property now and refinance to a bank once the deal is done. No income documents means no delays.
Urgent Bridging
Settlement dates are approaching and your existing finance has fallen through. Boost steps in as an emergency bridging solution with same-day terms and rapid settlement. The auto-extension feature means no cliff-edge if the exit takes longer than expected.
Frequently Asked Questions
Boost FAQ
What is the Boost product?
Boost is Alphacon Capital's fast metro lending product. It provides property-secured commercial loans from $200,000 to $10,000,000 with terms from 6 to 24 months. Boost is designed for speed — approval within 24 hours, no income verification, and no minimum credit score. It covers capital cities and select metro areas.
Do I need income documents for Boost?
No. Boost uses a self-declaration income model. Borrowers declare their income and we assess the deal primarily on the strength of the underlying property security. This removes a major bottleneck in the approval process and is one of the reasons Boost can deliver 24-hour turnarounds.
What areas does Boost cover?
Boost covers capital cities (Sydney, Melbourne, Brisbane, Perth, Adelaide, Hobart, Canberra, Darwin) and select surrounding metro postcodes. For loans above $3,000,000, security must be located in Sydney, Melbourne, or Brisbane. If your property is in a regional area, consider our Reach product which covers every Australian postcode.
What is the auto-extension feature?
Boost includes a built-in auto-extension at maturity. If the loan reaches the end of its term and the borrower needs additional time, the facility automatically extends rather than going into default. This removes the cliff-edge risk common with private lending products and gives borrowers genuine flexibility around their exit strategy.
Related Resources
Learn more about Boost
Private Lender vs Bank
Compare speed, documentation, and cost between banks and private lenders.
Bad Credit Business Loans
How to access capital with bad credit through property-secured lending.
How LVR Works
Understand the LVR formula, what affects it, and strategies to improve your position.
Postcode Checker
Check whether your property postcode qualifies for Boost metro coverage.
LVR Calculator
Check your loan-to-value ratio instantly.
Lending Glossary
Definitions of key lending terms including LVR, self-declaration, and auto-extension.
Ready to submit a Boost deal?
Send us the scenario. We will match it to Boost and come back same day with indicative terms.