Private capital that moves at your speed.
Tap into the equity in your property and get access to fast funding designed to simplify your immediate cash flow needs.
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Check your property
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Is non-bank lending right for me?
Need fast, flexible finance without the red tape? Non-bank lending could be your answer. Learn how it compares to traditional loans and whether it’s right for you.
Pre-qualify in 3 minutes.
Ready to begin?
How borrowing works
A seamless onboarding experience, from instant property valuations to loan document uploads. All in one platform designed to get you funded within 24 hours of submission.
Step 1
Find your property
Use your residential property and borrow up to 90% LVR. Even properties with existing mortgages can be used as security.
North Bondi NSW 2026
3
2
2
400 m²
Est. property value
$11,150,000
Step 2
Set your loan terms
Choose your loan amount, term length, and repayment structure to suit your goals, whether you’re bridging, refinancing, or unlocking equity.
Business name
LIQUID CAPITAL PTY LTD
Borrowing amount
$2,187,000
Loan term
18 months
Exit event
I am refinancing my existing home loan and will repay the private loan once the bank processes the refinance.
Step 3
Access to funds within hours
From application to capital in a single day. Speed that works for you.
Get pre-qualified today.
Take 3 minutes to complete.
No credit checks. No bank statements required.
What people are saying
See how business owners and partners rate their experience with Initium Capital
Maya R.
Fantastic service! The team was really helpful and guided me through everything step-by-step.
Tom L.
Quick and professional support. A slight delay but they kept me updated. Overall great experience!
Aisha K.
Dennis and his team at Initium Capital were outstanding—efficient, knowledgeable, and a pleasure to work with. They made getting a home loan far simpler than I imagined.
Daniel P.
Dennis and his team at Initium Capital were amazing professionals who made the home loan process much easier than I expected.
Sophie M.
Dennis and his team at ${APP_CONFIG.name} were exceptional professionals who made the entire home loan process smooth, straightforward, and stress-free. I couldn’t have asked for a better...
Maya R.
Fantastic service! The team was really helpful and guided me through everything step-by-step.
Tom L.
Quick and professional support. A slight delay but they kept me updated. Overall great experience!
Aisha K.
Dennis and his team at Initium Capital were outstanding—efficient, knowledgeable, and a pleasure to work with. They made getting a home loan far simpler than I imagined.
Daniel P.
Dennis and his team at Initium Capital were amazing professionals who made the home loan process much easier than I expected.
Sophie M.
Dennis and his team at ${APP_CONFIG.name} were exceptional professionals who made the entire home loan process smooth, straightforward, and stress-free. I couldn’t have asked for a better...
Maya R.
Fantastic service! The team was really helpful and guided me through everything step-by-step.
Tom L.
Quick and professional support. A slight delay but they kept me updated. Overall great experience!
Aisha K.
Dennis and his team at Initium Capital were outstanding—efficient, knowledgeable, and a pleasure to work with. They made getting a home loan far simpler than I imagined.
Daniel P.
Dennis and his team at Initium Capital were amazing professionals who made the home loan process much easier than I expected.
Sophie M.
Dennis and his team at ${APP_CONFIG.name} were exceptional professionals who made the entire home loan process smooth, straightforward, and stress-free. I couldn’t have asked for a better...
Recent wins
Our recent deals show how we help businesses get the capital they need, quickly and safely.
Get pre-qualified today.
Take 3 minutes to complete.
Multiple properties accepted.
Common questions answered
FAQs
Things you should know
This website is published by Initium Capital (ACN 644 439 592) ("Initium Capital"). By accessing or using this website, you agree to be bound by our Website Terms and Conditions.
Initium Capital is an Australian commercial lender and holds an Australian Financial Services Licence (AFSL). We provide business-purpose and commercial financing solutions directly to eligible borrowers, subject to internal assessment criteria, due diligence, and formal approval. Initium Capital may fund transactions in its own capacity or in conjunction with third-party funding partners.
Any information provided on this website is general in nature and does not take into account your objectives, financial situation, or needs. While Initium Capital holds an AFSL, nothing on this website constitutes personal financial advice, credit advice, or a recommendation to acquire, dispose of, or vary any financial product. You should obtain independent professional advice before making any financial or commercial decision.
Property insights and estimates provided through Check a Property are powered by information from Cotality and Domain Insights. While reasonable care is taken to source information from reputable third-party providers, Initium Capital and its data partners do not guarantee the accuracy, completeness, or reliability of this information. Listings may not include all properties for sale or sold throughout Australia.
†Property value estimates are provided as indicative guides only. They are based on publicly available data, government records, and verified agent information sourced from Cotality. These estimates do not account for all factors that may influence market value and are not formal valuations. They should not be relied upon for lending, investment, or financing decisions. Independent inspections and valuations should be obtained where appropriate.
If you apply for finance with Initium Capital, we may obtain our own valuation or rely on independent third-party valuation providers for assessment purposes. Valuations used in connection with any financing decision may differ from indicative estimates shown on this website. All transactions remain subject to satisfactory due diligence and final approval.
While the information on this website is believed to be current and accurate at the time of publication, Initium Capital makes no representation or warranty as to its accuracy, completeness, or currency and is not obliged to update the information. Information, assumptions, and opinions may change without notice.
Any interest rates, pricing, or transaction terms displayed are indicative only and subject to change. Final terms will be set out in formal documentation issued by Initium Capital.
To the fullest extent permitted by law, Initium Capital, its directors, officers, employees, and related entities disclaim all liability for any loss or damage arising from reliance on information contained on this website.
Nothing on this website constitutes an offer, invitation, or solicitation to buy or sell property or to enter into a binding financial product or financing contract. Any offer can only be made by Initium Capital through formal written documentation.