Combine your business debts, expensive facilities and tax liabilities into one property-secured loan with a single repayment and room to breathe.
If you are running several facilities at once, an overdraft, equipment finance, a caveat loan, an ATO payment plan, maybe personal borrowings that have leaked into the business, each one has its own repayment, rate and lender, and together they are draining your cash flow.
We pay them all out and replace them with one loan secured against your property. Interest can be added to the loan for the term, so your monthly cash flow is freed up while you trade through and arrange a longer-term refinance or sale.
We lend Australia-wide, with most of our loans secured in metropolitan New South Wales, Victoria and Queensland.
Several repayments a month across different lenders, some at high rates.
Replace an expensive facility with one secured by a registered mortgage at a lower cost.
Capitalise interest for the term so the business can trade through and reset.
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.
2nd mortgageSettledA services business in administration needed to fund a DOCA contribution and working capital to trade out. The directors’ industrial unit had equity behind a bank loan they wanted to keep. Repaid from trading and a bank refinance once the deed completed.
1st mortgageSettledA logistics company’s ATO debt had reached $1.9M with a director penalty notice issued. We refinanced the existing bank loan on their warehouse and paid out the ATO in one facility. Repaid through a bank refinance once the tax position was clean.
Send us the details and we will come back to you within 24 hours.
Contact us