PRIVATE FUNDING
Smarter Capital, Where it Matters.
Altura's Private Capital is structured for transactions that cannot wait for a standard bank process - bridging, mezzanine, second mortgage, and short-term facilities for sponsors who need capital delivered with certainty and speed.
WHAT IT IS AND WHO IT'S FOR
Finance built around the asset, not the policy.
Private capital is for transactions where the standard lending process - weeks of assessment, credit committee queues, conservative valuations - isn't compatible with the reality of the deal.
Altura's Private Capital covers first and second mortgages, caveat loans, bridging, incomplete construction funding, equity release, and business purpose loans secured against real estate. No financials required. Company borrower only. Settlement can occur within 3 working days from approval.
Short-term facilities, typically 3 to 24 months, structured around a clear exit. We assess the asset, the position, and the exit. If the structure is sound, we move.
Who this is for:
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Sponsors requiring bridging between a purchase and a sale or refinance
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Business owners needing equity release from property
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Sponsors whose first mortgage lender cannot extend further capacity, caveat and second mortgage options available
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Accredited referrers placing time-sensitive scenarios a bank process cannot accommodate
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Property owners needing fast settlement where standard documentation is unavailable.
WHEN TO USE THIS STRUCTURE
This structure may be right for your scenario if:
The transaction has a hard deadline that a bank process won't meet.
Settlement is required within days or weeks, not months. The deal is sound but the timeline is incompatible with standard credit assessment. Altura can issue a same-day term sheet and settle within 3 working days from approval.
You need a second mortgage or caveat without disturbing the existing first mortgage.
The sponsor has an existing first mortgage and needs additional short-term capital. Altura provides caveat loans and second mortgages up to 75% LVR on a case-by-case basis, without requiring the first mortgagee to be notified in most Australian states.
Equity release to reach completion or refinance from existing facility.
The existing construction facility has run its course or the project has stalled. Altura can fund incomplete construction scenarios where a standard lender won't touch the asset mid-build.
No financials are available but the asset and exit are clear.
Private capital is assessed against the property and the exit strategy, not income documentation. Where the security is strong and the exit is realistic, we can structure a facility without standard financial verification.
HOW WE STRUCTURE
Key lending parameters
All private capital facilities are short-term and asset-backed. Parameters below are indicative - actual terms depend on the security, sponsor position, and exit strategy.
Submit a scenario to get a direct assessment.
MAX LVR
Up to 75% (first mortgage) · 65–70% (second mortgage / caveat) - case by case
ESTABLISHMENT FEE
From 1.25%
INCOME VERIFICATION
No financials required - asset-backed assessment for serviced loans, accountant verification
LOAN TERM
Minimum 3 months · Maximum 3 years
OTHER FEES
None
SETTLEMENT
Within 3 working days from approval - same-day term sheet available
LOAN SIZE
From $250k
GEOGRAPHIC SCOPE
Australia-wide
INTEREST RATE
Fixed - or margin over cash rate
LOAN PURPOSE
Bridging · Business purpose · Equity release · Debt Consolidation
· Second mortgage
BORROWER TYPE
Company borrower only
DEAL SHOWCASE
How this structure has been applied
The deals below are real transactions structured and settled by Altura. Details are anonymised.
PRIVATE FUNDING · ANDREW, QLD
$2.10M
Sponsor required urgent refinance of an existing private facility. Less than one week until default interest and fees would be triggered.
Deal assessed on its merits with speed as the primary constraint. Fast-tracked through Altura's process.
Funding delivered in under 5 business days, avoiding default.
PRIVATE FUNDING · XIAOMING, NSW
$4.6M
Non-standard transaction requiring a lender with a solutions-focused approach rather than a policy-driven one.
Clear, decisive structuring with straightforward communication throughout.
Settled as committed. Borrower highlighted the reliability of execution as rare in private lending.
KEY CONSIDERATIONS
What brokers and sponsors ask most
How quickly can Altura settle a private capital facility?
Where documentation is in order and the security has been assessed, we can settle within 3 working days from approval. We can issue a same-day term sheet if the sponsor's information is ready to go. Speed is a function of preparation, the more complete the scenario submission, the faster we can move.
What is the difference between a caveat loan and a second mortgage?
Both allow a sponsorto access equity in a property that already has an existing first mortgage. A caveat is a short-term instrument that lodges a legal interest against the title without formally registering a mortgage, it's faster to establish but has limitations. A second mortgage is a formally registered security that ranks after the first mortgagee. Altura offers both, the right structure depends on the sponsor's situation and the exit timeline.
Does Altura require income verification for private capital?
No. Private capital facilities are assessed against the property security and the exit strategy. No financials are required. The key questions are: what is the security worth, what is the combined LVR, and what is the realistic exit within the loan term.
What loan purposes are acceptable under Altura's private capital facility?
Bridging between property transactions, incomplete construction funding, business purpose loans secured against real estate, and equity release for any legitimate purpose. Loans are available Australia-wide to company borrowers.
What happens at the end of the loan term?
Private capital facilities are short-term by design. The exit strategy, whether refinance into a standard facility, sale of the security, or repayment from business proceeds, is assessed at the time of structuring. We will not advance a facility where the exit is speculative or the timeline is unrealistic.