How it works
Get funded in as little as 48 hours from first enquiry.
1
Tell us what you need
Complete our short questionnaire with your loan amount, security details and use of funds. Takes 2 minutes.
2
Get your offer
We review your application and provide a letter of offer within 24 hours. We review and approve applications fast. No unnecessary delays.
3
Receive your funds
Once you accept and we complete a valuation, funds are released fast. Most loans settle within 48 hours of acceptance.
How our clients use their funding
Short-term commercial funding for Australian businesses secured against property.
Working Capital
Bridge cash flow gaps and keep your business running
Property Purchase
Secure a property fast before traditional finance settles
ATO & BAS Debt
Clear tax debt and restore your borrowing capacity
Equipment Purchase
Buy vehicles, machinery or equipment your business needs
Bridging Finance
Short-term bridge between selling one property and buying another
Equity Release
Unlock equity in your property for business purposes
Loan Refinancing
Refinance existing debt on better terms
Development Finance
Construction loans and mezzanine finance for property developers
Loan parameters
Transparent terms. No hidden fees. Interest only payments.
$100,000 - $10,000,000
Loan amounts available
1st Mortgages from 8.65% p.a.
First mortgage interest rates
2nd Mortgages from 1.75% /month
Second mortgage interest rates
Up to 24 months
No minimum loan term
75% LVR
Maximum against residential security
Interest only
No principal repayments during term
All security types
Residential, commercial and land accepted
Australia-wide
No postcode restrictions
Company borrowers
Pty Ltd required with property security
Why Vivian Locke Capital?
Vivian Locke Capital specialises in commercial mortgages for Australian based companies. We have a $30 million funding line specifically set aside as a non-bank facility, so the capital is ready when you need it.
Our loans are secured and open to Australian property nationwide. We make fast decisions with clear communication. No unnecessary delays or middlemen.
We always make sure that our core value of ethical transparency is upheld. Valuation quotes are provided before valuation and clients proceed independently if they are happy with the pricing offered.
Fast decisions, no delays
You speak directly with the decision maker. No delays, no runaround.
$30 million dedicated funding line
Purpose-built non-bank facility means we have the capital ready.
Pty Ltd borrowers, property security
We assess the property value, the debt against it and your exit, not months of trading statements.
Ethical transparency
All fees, rates and valuation costs disclosed upfront. No hidden charges.
Real examples
How our loans have helped Australian businesses move fast.
Pimpama, QLD
$1,000,000
Urgent settlement to save property from mortgagee possession
Our client operates an interior design business on the Gold Coast and urgently needed a quick settlement to save their property. They had been developing a home in Pimpama, but inflationary cost blowouts put them in mortgagee possession with their existing bank. We organised an urgent settlement and the client kept the property.
Hunters Hill, Sydney, NSW
$680,000
Equipment purchase for logistics business
Our client needed four prime mover trucks to meet new contract demand. Despite pre-approval elsewhere, traditional finance wouldn't assist due to existing finance commitments. Using equity in his Hunters Hill residential property, we provided a 5-month second mortgage and the trucks went to work.
Toorak, Melbourne, VIC
$320,000
ATO debt removal + working capital
Our client needed to remove ATO debt, purchase stock and fund working capital while restructuring his wholesale furniture business. Being in debt to the ATO precluded him from major banks. Using a lowly leveraged investment property as collateral, we provided a second mortgage. The business is now trading strongly.
Nashua, NSW
$500,000
Urgent funding for film production project
Our client operates a film production company and urgently needed $500,000 for an upcoming project. He had large equity in a Byron Bay Shire home in Nashua and contacted us for a second mortgage. We released funds within a week of the valuation.
Bondi Beach, Sydney
$200,000
Renovation and stock for fashion retail store
Our client required $200,000 for the renovation and stock of their fashion retail store in Bondi. We secured the funds as a second mortgage against their commercial asset at 65% LVR.
Spalding, SA
$240,000
Rural property purchase with postcode restrictions elsewhere
Our client needed to settle a very rural property purchase in Spalding, South Australia. Many other finance providers couldn't approve due to postcode restrictions, but we were able to offer an approval and settled on a 12-month prepaid loan term.
What we need from you
To provide a letter of offer, we require the following information.
Loan details
1
Clear commercial use of the funds with the amount required
2
The term required (1-24 months) and your exit strategy after our term expires
3
Details of the borrowing entity with their ABN and the nature of their business
Security details
4
The full address of the proposed security and details of the security type (house, land, commercial premises, etc.)
5
Your estimated value of the proposed security and the current debt level on the property
6
Details of the guarantor(s) and their ID to comply with AML and KYC requirements
Fair and transparent valuations
Valuations of our client's security are always carried out at fair market value. We engage a highly professional panel of valuers, who we can rely on to give accurate property reports.
Valuation quotes are provided before valuation and clients proceed independently if they are happy with the pricing offered. We always make sure that our core value of ethical transparency is upheld.
Common questions
How fast can I get funded?
We provide a letter of offer within 24 hours of your enquiry. Once you accept and the valuation is complete, most loans settle within 48 hours.
Who can borrow?
Australian Pty Ltd companies with residential, commercial or land property to offer as security. Every loan is commercial in nature, and a director signs as guarantor with ID for AML and KYC checks.
What security do you accept?
Residential, commercial and land, anywhere in Australia with no postcode restrictions. We lend up to 75% of the property value on residential security, less what is owed on any existing mortgage. Commercial and land are assessed case by case.
What does it cost?
Caveat loans and second mortgages start from 1.75% per month, first mortgages from 8.65% p.a. All loans are interest only. The rate, fees and valuation cost are set out in your letter of offer before you commit to anything.
Do I need a valuation?
Yes, on every loan. We quote the valuation cost before it is ordered and you only proceed if you are happy with the pricing. Valuations are carried out at fair market value by our panel of professional valuers.
Can I keep my existing bank loan?
Yes. A caveat loan or second mortgage sits behind your current mortgage, which stays exactly as it is. You access the equity without refinancing your first mortgage.
Can I borrow to clear ATO or BAS debt?
Yes. Clearing tax debt is one of the most common uses of our funding. The assessment centres on the property, the debt against it and your exit strategy, supported by a serviceability letter from your accountant.
What is an exit strategy?
How the loan will be repaid at the end of the term, which runs from 1 to 24 months. Usually that is a refinance with a bank, the sale of a property or business cash flow. We need it stated clearly in your application.
Ready to get funded?
Complete our 2-minute questionnaire and get a personalised rate within 24 hours. No credit score impact.
GET YOUR RATEPty Ltd borrowers with Australian property security. 24hr approval. Funds paid fast. Australia-wide.
Important Information
- Please note that we do not offer personal or consumer loans. Loans are commercial only in nature.
- Please be advised that you must provide a suitable serviceability letter from your accountant or financial planner, and clearly state your exit strategy for the loan.
- Please ensure you provide all forms of ID to comply with AML and KYC requirements and be a registered director of an Australian company.