RESIDENTIAL
7.89%
p.a. from
- Up to $20M
- 75% LVR metro / 70% regional
- 3 to 36 months
- Low-doc accepted
- Min. credit score 500
Live Rates
Residentialfrom7.89% p.a.·LVR 75%·1hr indicative/Commercialfrom9.29% p.a.·LVR 70%·Same-day terms/2nd Mortgagefrom11.99% p.a.·LVR 75%·Up to $5M/Residentialfrom7.89% p.a.·LVR 75%·1hr indicative/Commercialfrom9.29% p.a.·LVR 70%·Same-day terms/2nd Mortgagefrom11.99% p.a.·LVR 75%·Up to $5M/Residentialfrom7.89% p.a.·LVR 75%·1hr indicative/Commercialfrom9.29% p.a.·LVR 70%·Same-day terms/2nd Mortgagefrom11.99% p.a.·LVR 75%·Up to $5M/
Private credit · Property-backed · Australia
Private credit
for borrowers who expect more.
Fast. Fair. Certain.
We've seen it too many times: banks that go quiet, fees that blow out, goalposts that move, and lenders who can't give you certainty when your deal is on the line. So we built the lender we'd want to borrow from.
WHAT WE LEND
Business loans to companies and trusts only. 3 to 36 month terms, secured by first or second registered mortgage. No consumer credit.
Three products. No surprises.
COMMERCIAL
9.29%
p.a. from
- Up to $20M
- 70% LVR metro / 65% regional
- Up to 36 months
- Retail, industrial, mixed-use
- Min. credit score 600
2ND MORTGAGE
11.99%
p.a. from
- Up to $5M
- 75% LVR residential
- Metro NSW / VIC / QLD only
- IO or pre-paid interest
- Min. credit score 500
01
Fast.
Speed is a product.
We engineered it that way.
Indicative within 1 hour
Send us your deal and you'll get an in-principle view within the hour. Not end of day. Not tomorrow morning. One hour.
Same-day term sheet
Once your deal passes Stage 1, a formal term sheet follows the same business day. You get certainty while the deal is still live.
48 Hour Settlements
We know settlements can be urgent. With all the required documentation, we can settle faster than most.
Our internal deadline is always tighter than yours. Every deal has a clock. We run it faster.
02
Fair.
Top-market rates.
No moving goalposts.
Terms that don't shift
The indicative rate is the rate. We don't reprice at formal approval. What we quote is what settles.
Clear fees, upfront
Every fee in writing before you commit. No surprises at settlement.
03
Certain.
A term sheet from us means something.
We back it in writing.
$1,000 Guarantee
If we issue a term sheet and your deal doesn't proceed through no fault of yours — we pay you $1,000. No questions asked. No forms. Just paid.
Two exceptions, disclosed upfront
Material valuation shortfall, or an undisclosed credit event surfacing at Stage 2. Tell us early and it protects everyone.
Our standard
"Every settled deal is proof. Every rejected deal is intelligence. We are not being built to be decent. We are being built to be the best."
Get my terms
Get instant indicative terms. Tell Johnny about your deal.
Johnny is our credit AI. Five questions, real-time market lookup, indicative terms on the spot.
J
Johnny
Discover Capital · Credit AI
Hey, I'm Johnny, Discover Capital's credit AI. Tell me about your deal. Don't stress about getting it perfect, I'll figure out what I need as we go. Start with the address.
Questions borrowers ask