HOW WE OPERATE!

We tailor loan products to meet the needs of borrowers in special situations. We have cut out the complexity and frustrations of borrowing experienced with banks and created a range of highly flexible loans. We make credit decisions and can provide offer letters within 24 – 48 hours. Depending upon the status of property titles and the time required to value security properties, funds can be made available within 10 business days.

BECOME A REGISTERED INTRODUCER!

We look forward to providing you with hassle-free service when seeking the right business or investment loan solutions for your clients. Whether they need cash-flow, have expansion or restructure plans, want to acquire assets or develop a property, or need finance for a wide range of other reasons, we can help.

Please note the maximum brokerage is capped at 1.5% (Exclusiveof GST) of the Loan amount.

All Brokers and Introducers please contact us at info@capital-one-securities.com for more information.

Please go to our Application Page and complete our Online Application and pay your Application Fee. 

The Application Fee is charged to cover our expenses in processing your request. This covers the cost of land title searches, credit reports, ASIC searches and so forth.  

We offer business loans ranging from $250,000.00 to $2,000,000.00, as well as First and Second mortgages with competitive rates.

All Second mortgages are subject to a Deed of priority with the First Mortgagee. This is Non-negotiable!

First mortgages are available from 12% per annum (Lower Rate), while Second mortgages are offered from 15% per annum (Lower Rate).

All Second mortgage are subject to a Deed of Priority with the First Mortgagee. This is Non-negotiable!

**NOTICE PLEASE READ CAREFULLY**

Interest Rate Calulations and Terms:

1. HIGHER RATE: The Higher rate is the amount of interest that is charged against the outstanding loan facility and any capitalised components at any time that the loan is in default. The Higher Rate is calculated at two (2) times the Lower Rate.
2. The HIGHER RATE will be charged immediately in the event of default under the loan agreement or security documents. Such default will include, but is not limited to, loan expiry, default under first mortgagee terms or for non-payment of any amount when due and payable.
3. LOWER RATE: The Lower rate is the amount of interest that is charged against the outstanding loan facility and any capitalised components at any time that the loan is clear of any default and the account is current and is in good order.
4. The principal, capitalised components and any outstanding monies will accrue interest from the date of drawdown of the amount.
5. Rate shall be calculated and payable monthly or part thereof until the date the loan is repaid in full.
6. The Borrower (s) and Guarantor(s) (if any) will be entitled to the Lower Rate of interest provided that the Lower Rate payment is made within seven days of the First Instalment Due or Instalment Due date and all other covenants of the loan and security documents have been observed by the Borrower (s) and Guarantor(s) (if any).
7. The first installment is due 30 days after settlement.

In expeptional curcumstances we will consider 80% Loan to Value Ratio of 80% Inclusive of GST. 

Up to 80% of Gross Realisation Value and or Valuation (Ex GST) on Development and Constrcution Loans and all other transaction we will consider up to 80% Loan to Value Ratio Exclusive of GST.

• APPLICATION FEE - $1,000.00 (Payable on Application which is Non-refundable).
• ESTABLISHMENT FEE - 1.5% Exclusive of GST.
• BROKER FEE - Maximum of 1.5% Exclusive of GST. 
• LOAN/SECURITY DOCUMENT PREPARATION FEE - $10,000.00 payable on acceptance of offer. This amount is paid to our solicitors Stockley Pagano Lawyers. 
• SECURITY DISCHARGE FEE - $1,500.00. 
• VALUATION FEE - At Cost.

You can apply for a business loan by contacting our team directly or filling out our Online Application form.

Telephone Calls are only answered between 10am and 3pm Monday to Friday! NO EXCEPTIONS!

The following must be provided to the Lender at the time of Application (General Guide): 

1. A copy of the last three months’ Mortgage Statements for all securities (If it is a refinance).
2. A copy of current council rates notices for all securities.
3. A copy of current water rates notices for all securities.
4. A copy of any Contracts of Sale/Purchase for all securities.
5. A copy of supporting documentation evidencing proof of refinance for all securities.
6. Correspondence from the first and subsequent mortgagees and or caveat holders for all securities containing the following:
   1. The first mortgagee’s payout figure. A statement that the payout figure includes all interest, fees and charges associated with the loan as at that date.
   2. Confirmation that the facility is not cross collateralised with any other facilities, and if it is, what amounts these additional facilities represent and the securities that are held under these additional facilities.
   3. A signed authority allowing the Lender/or its representative to contact the first mortgagee on the borrower’s behalf.
   4. AML/CTF identification for the Borrower (s) and Guarantor(s) (if any). This must be provided prior to settlement and signed and witnessed by the Borrower(s) and Guarantor(s) (if any) solicitor upon execution of the loan documents.

As the name suggests, Secured Business Loans are loans backed by a Real Estate backed security. Secured Business Loans are mostly popular among new businesses which are yet to start operations or start-up businesses with minimal or no cash flows.

Business loans backed by Real Eastate security can help small businesses get their ideal loan amounts with favourable terms because they are seen as lower risk by lenders.

Every business at some point of time requires financial aid to smoothly run their business and maintain the cash flow. In such scenarios, short-term business loans are very effective. A short-term business loan generally has to be paid off in a short duration through daily/weekly repayments. However, the duration varies as per the terms of the company or the lender. In most cases, the loan duration is either a year or even less depending upon overall risk profile of the business.

How can a short-term business loan help your business?

For a business, it is important to maintain cash flow, demand-supply chain, and pay off all the expenses on time. While there can be many circumstances where the business may require urgent funds for a short duration of time. In such cases, short-term business loans can help in maintaining the smooth functioning of the business.

1. The Security must be insured for the minimum replacement amount nominated within the valuation report or such other amount nominated by the lender;
2. Any outstanding mortgage arrears, council rates, water rates and land tax must be paid on settlement;
3. The loan is made based on your declaration that the funds are to be used wholly or predominantly for business and or investment purposes. The Borrower(s) will be required by the Lender’s solicitor to execute a document, declaring that the loan is to be applied wholly or predominantly for business and or investment purposes;
4. All execution of security documents must be witnessed by a currently practicing solicitor of the Supreme Court for your State that you reside in.

The Loan can be discharged at any stage with 30 days’ written notice in advance without penalties.

Are you thinking of starting a new business? Or are you planning to expand the existing infrastructure of your enterprise? Then first, you need robust capital backing to fund your entrepreneurial pursuits.

However, acquiring business financing is easier said than done. There will be multiple hurdles blocking your path to fundraising, especially if you go to a bank or similar financial institution with a loan application.

Banks are cautious when approving and processing a loan application, especially from a new entrepreneur. They will ask for lots of documents, and if your inability to procure will cause rejection of the loan application. Here’s where Capital One Securities can help you by facilitating low doc business loans.

A Commercial Property Loan, also known as a Commercial Real Estate Loan, is a simple way to borrow money for buying a commercial property.

Commercial property finance involves obtaining loans for the acquisition, development, and improvement of various commercial real estate assets, including shops, offices, warehouses, and factories. This financing can be utilized to either build and develop properties for eventual sale or to acquire them with the intention of leasing them out.

The intention for which you seek the loan can impact the qualification process, as lenders categorise loans into low, medium, or high risk based on their designated use.

A Low Documentation (Low Doc) First and Second mortgage loan is a type of mortgage that requires less paperwork and proof of income compared to traditional mortgage loans. These loans are designed for borrowers who may have difficulty providing standard documentation, such as tax returns, often due to being self-employed, freelancers, or having irregular income streams.

These Low Doc First and Second mortgage loans are non-coded loans from private lenders. These loans are generally short term in nature and needs to be borrowed under an ABN backed entity.

Key difference between 1st Mortgage and 2nd Mortgage

First Mortgage:

This is the primary loan taken out on a property, secured by the property itself. It typically has the first claim on the property in the event of default. The interest rates are comparatively cheaper as compared to a second mortgage loan.

Second Mortgage: 

This is an additional loan taken out on a property that already has a first mortgage. The second mortgage is subordinate to the first, meaning it will only be paid after the first mortgage has been satisfied in the event of foreclosure. The interest rates are comparatively more expensive as compared to a first mortgage loan. All our Second Mortgages are subject to a Deed of Priority with the First Mortgagee.

Construction finance is a specialised form of funding designed to support property developers in kickstarting their building projects or securing development sites.

Whether you're involved in the creation of single or multi-dwelling residential units, commercial properties, or simply constructing your dream home, construction finance through Capital One Securities provides a range of tailored funding options to meet your specific needs.

With Capital One Securities, we talk with you to figure out the best way to finance your property development, whether it's for homes, businesses, or a mix of both.

A bridging loan is a short-term financing option that helps individuals or businesses "bridge" the gap between a current financial need and a future influx of funds. A bridging finance can be used for myriad purposes like;

• Meet Cash flow gaps in the business
• Repay ATO debt obligations
• For Property Development and Construction
• Buying a new home before selling the old one

Handy, right? And it's not just for the above reasons but can help you to meet any sort of short-term liquidity crunch.

Dealing with unsold properties, referred to as residual stock, is one of the risks a property developer has to face sometimes.

Some property developers decide to keep some of their properties and sell them later when the market is better. This way, they can maximise the return on investment and aren't forced to sell in a hurry.

The good news is, there's a way to handle this issue – it's called residual stock finance.

A residual stock loan is a short-term loan tied to the homes that haven't been sold yet in a development project. This kind of funding eases the burden on the developer, providing them with the time to find buyers who are willing to pay reasonable prices for unsold homes.

A working capital loan is a form of short-term business financing that enables a business owner to facilitate and execute daily business operations.

It covers the cost related to the regular operations like labour costs, accounts payable, marketing fees, rent, payroll, etc. It can be best explained through a simple formula. Current assets of the company – current liabilities of the business = Working capital The working capital is not suitable for buying assets or for funding long-term growth for the business.

If you’re unsure, contact us and our specialist will be more than willing to assist you!

Most business loans are repaid with additional interest added on, but those aren’t the only fees associated with business loans.

Other common fees include application fees, which cover the costs of processing a loan application; origination fees, which are paid to the lender for originating the loan; processing fees for various administrative costs involved in setting up the loan; late payment fees, which are charged if a payment is missed or late; and penalty fees, which can be applied if certain loan terms are violated.

It’s important to be aware of these additional fees when considering any potential business loan, as they can impact your business’s overall cost of borrowing.

Having the right business plan, which includes finance management, in place is critical.

Effective business finance management ensures access to working capital. Without capital, businesses cannot operate, meet their costs, hire new staff, buy new assets, capitalise on market opportunities or grow.

The goal of effective business finance is to ensure the long term viability and profitability of a company. With the right finance solution, your business can succeed in a sustainable way.