Meet Johnny · Our credit AI

Talk to Johnny. Get terms in minutes.

Johnny is Discover Capital's own credit AI, built in-house and trained on twenty years of our lending decisions. Tell him about the deal in plain English. He'll run the numbers, pull the market data, and hand back an indicative term sheet on the spot. A copy lands in your inbox.

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.

Submit a deal

Indicative within the hour. Talk to Johnny, or talk to us.

Fast

1hr indicative · Same-day term sheet

Fair

0.50% bonus commission, every deal

Certain

$1,000 if our term sheet falls over

Discover Capital

Private credit and short-term commercial finance for property developers, business owners and investors across Australia.

Built by brokers, for brokers.

What we lend

  • Residential 1stfrom 8.44%
  • Commercial 1stfrom 9.75%
  • 2nd Mortgagefrom 14.25%
See all services

Speak directly

Managing Director

Michal Fort-Williams

0438 358 226

Head of Origination

Sebastian Williams

0408 864 774
deals@discovercapital.com.au

206 / 98 Riley Street

Darlinghurst, NSW 2010, Australia

Regulatory & Compliance

Legal EntityAustralian Garment Company Pty Ltd
ABN50 661 330 981
ACN661 330 981
Australian Credit Licence (Connective)389328
Credit Representative Number554486
MFAA Membership700271
AFCA Membership121182
AUSTRAC Account260365003

Australian Garment Company Pty Ltd (ABN 50 661 330 981) trading as Discover Capital Group is a Credit Representative (No. 554486) of Connective Credit Services Pty Ltd, Australian Credit Licence No. 389328. Discover Capital is a member of the Mortgage & Finance Association of Australia (MFAA No. 700271) and the Australian Financial Complaints Authority (AFCA No. 121182), and is registered with AUSTRAC (Account No. 260365003).

General information only. The information on this website is general in nature and does not take into account your objectives, financial situation or needs. It is not financial, credit, tax, legal or investment advice, an offer, or a recommendation. You should obtain independent professional advice before acting on any information on this website.

Indicative rates and terms. All rates, fees, LVR limits, loan sizes and settlement timeframes are indicative only, current at the date of publication, and subject to change without notice. All lending is subject to credit assessment, security evaluation, valuation, verification of information and formal approval, and may vary based on individual circumstances, security quality, LVR, loan purpose and transaction structure. Nothing on this website is a binding offer of credit and past settlement outcomes are not a guarantee of future results.

Business purpose. Most credit we arrange is provided wholly or predominantly for business or investment purposes (other than investment in residential property) and is not regulated by the National Credit Code. See our Credit Guide and Complaints & Dispute Resolution for more information.

© 2026 Australian Garment Company Pty Ltd trading as Discover Capital Group. All rights reserved.

ABN 50 661 330 981 · Cred. Rep. 554486 · ACL 389328 (Connective) · MFAA 700271 · AFCA 121182 · AUSTRAC 260365003