• In this section:
  • Why Capital?
  • What Can You Finance?
  • Frequently Asked Questions
  • Enquire

What Can You Finance?

We go to extremes to lend you money that can be used for any business or investment purpose, secured against residential or commercial property. Deal with Capital Finance and get your capital, fast!

Some of the reasons that you would require a short term loan for are:

• • Bridging Finance
  • Business Cash Flow
  • Distressed Borrower Liquidity
  • Emergency "Project Rescue" Loans
  • Refinance and Cash Out
  • Mezzanine Funding
  • Pay an Urgent Debt
  • Renovate before a Sale
  • Shortfall in Construction
  • Loans to Fit Individual Needs
  • Apply Online

Bridging Finance

If you have a property under contract with escrow funds at risk, or other financing that has fallen through at the last moment, we can step in with a short-term bridge loan to help you complete your transaction. This financing opens up your options, giving you time to turn the property at a profit, arrange for permanent financing, or implement an alternate strategy.

Business Cash Flow

Do you have some invoices due for payment? Waiting on some large cash injections or a merger? If you have proof of this money coming in and need some cash for the business to progress in the meanwhile, then a second mortgage or caveat loan may be useful.

Distressed Borrower Liquidity

We handle high-risk situations such as poor credit scores, limited net worth, and prior bankruptcies to help you achieve liquidity fast. We consider borrower circumstances that would be impossible for a traditional lender to fund.

Emergency "Project Rescue" Loans

If you have a distressed property or incomplete development, we can help rescue your project. We finance unoccupied and unfinished buildings where existing financing has been depleted. We also fund developers who are stepping in to take over a project.

Refinance and Cash Out

When liquidity is a problem, we can help refinance and cash out part of the equity in your property. This cash source can also be used when your equity is tied up in one property but you have found additional real estate or business/investment opportunities to capitalize on.

Mezzanine Funding

If you are missing a portion of the equity required by your construction lender, or you are seeking money that is less expensive than equity, Capital Finance can provide a mezzanine loan secured by a subordinate debt against the project.

Pay an Urgent Debt

Many businesses have great cash flow, but occasionally go through a tough patch. If you have a debt outstanding that is going to cause major issues for you moving forward, for example, an ATO debt or other Creditor, then you may want a second mortgage or caveat loan to pay that debt on time. For the exit strategy you may be able to prove some cash that is coming in the near future, or you may have an impending refinance going through.

Renovate before a Sale

Some of our borrowers need money to clean up a property before a sale, ensuring they obtain the best sale price possible. Do you have some landscaping to do on your investment property, or maybe even painting out a commercial property prior to the auction? A second mortgage or caveat would give you the ability to complete the works of which would then be paid out upon the sale of the property. How much extra money could you be making on your sale?

Shortfall in Construction

Occasionally developers and general builders alike can get into a position during a construction project where they run out of funds to complete a project. As long as there is an acceptable level of equity Capital Finance funders are more than willing to look at assisting you to fund the project to the end. Therefore you can move on and finish the project without being stuck in limbo.

Loans to Fit Individual Needs

As specialists in creative loan structures, we can accommodate cross-collateralization, multiple borrowers and more. We loan on vacant land and urban infill, large redevelopment or rezoning projects, phased-in equity, and other unique circumstances.

Apply Online

To apply now, please start by filling out our online application form. Once you have submitted your application we can assess your loan immediately and this will enable us to provide you with the right product solution for your situation straight away.

This is a totally free and no obligation service. It is just another way that Capital Finance makes it easier for you to obtain the finance you need.