Release equity in property you own to fund a contract, stock, payroll, a seasonal gap or growth, without a bank picking over last year’s accounts.
A working capital loan gives you cash to operate or grow, secured against property rather than trading history or projections. The answer turns on the property and how you will repay, not on whether last year’s accounts fit a bank formula.
Use it to fund a new contract before it pays, buy stock ahead of a busy period, cover payroll through a quiet stretch, or take an opportunity that will not wait. We structure the loan around when your cash comes back, and interest can be added to the loan if you need the breathing room.
We lend Australia-wide, with most of our loans secured in metropolitan New South Wales, Victoria and Queensland.
Materials, labour or stock needed before the customer pays.
Cash flow that dips for a known period and recovers.
An acquisition, a new site or a second location before the accounts catch up.
We are not a replacement for your bank. We are the lender you use when the bank’s timeframe or template does not fit the situation, and the loan is written to hand you back to the bank when it does. Rates are indicative and subject to valuation, due diligence and formal approval.
| Feature | Verified Capital | A bank |
|---|---|---|
| Decision | Indicative terms within 24 hours | Weeks, often months |
| Assessed on | The property, the purpose and the exit | Financials, trading history and lending policy |
| Borrowers | SMEs, companies, trusts and investors | Consumers and businesses |
| Loan term | 1 to 24 months | Long term |
| Paperwork | Short, specific to the deal | Full application and ongoing covenants |
| Who you deal with | The people who assess, approve and fund | Relationship managers and a credit committee |
| Rates and fees | Every rate and fee set out upfront in the letter of offer | Lower rate if the business qualifies |
Tell us about the property, the amount you need, the purpose and how the loan will be repaid. Your broker can submit on your behalf.
If the scenario fits, we issue a letter of offer within 24 hours with every rate and fee set out upfront.
We instruct an independent valuation and complete our credit and title checks.
Our solicitors prepare the documents and we settle on your timeframe, then stay your point of contact through to repayment.
1st mortgageSettledA cabinetry builder won a fit-out contract for a hotel chain but needed to buy materials and put on staff two months before the first progress payment. Secured against the owner’s debt-free workshop and repaid from contract payments over the term.
2nd mortgageSettledA fashion importer with a Melbourne head office had a $2M order from a national retailer and needed to pay overseas suppliers before shipment. The bank’s trade finance limit would not stretch. Secured behind the owner’s home loan, repaid when the retailer paid on delivery.
Send us the details and we will come back to you within 24 hours.
Contact us