About
The private lender brokers wish they'd always had.
Our story
Discover Capital was founded by brokers who'd spent years watching private lenders repeat the same failures: slow responses, shifting goalposts, fees that crept in at settlement and term sheets that fell over at the worst possible moment.
We built a private credit lender that does the opposite. Indicative terms within an hour. Same-day term sheets. A rate that doesn't move between Stage 1 and settlement. And a $1,000 guarantee if we let your client down. Residential, commercial and 2nd mortgage finance across Australia — assessed by an in-house credit team, funded by a stable wholesale book.
Principles
Four commitments we don't compromise.
Fast by design
Indicative within the hour, formal term sheet the same business day. Settlements in as little as 48 hours.
Fair on price
Top-of-market rates with a 0.50% bonus commission paid from our establishment fee — on every deal.
Certain to settle
Indicative rate is the rate. $1,000 to the broker if our term sheet falls over through no fault of the borrower.
Built by brokers
We sat on the broker side for years. The lender we always wanted is the one we built.
Leadership
The people behind your deal.
Michal Fort-Williams
Managing Director
Two decades originating and structuring private credit across residential, commercial and 2nd mortgage facilities.
Sebastian Williams
Head of Origination
Direct line for brokers. Runs deals from first call to settlement and answers his phone seven days a week.
Credit Committee
Stage 1 & Stage 2
In-house credit team that assesses every deal against published policy. No outsourced underwriting, no offshore black box.