Private lending, built around your circumstances.
Business loans from $50,000 to $2.5 million, secured by property, with interest-only or principal-and-interest repayments. Simple deals* approved and funded within 48 hours – and complex ones structured with care, not turned away.
*A simple deal has clear property security, one borrower and a straightforward purpose. More complex deals take a little longer – we’ll give you a timeline up front.
Applying takes about 5 minutes and doesn’t commit you to anything.
How much do you need?
Estimates at 32.5% p.a., excluding fees, subject to assessment and approval. *Example unsecured cash-flow lender: 1.45 factor rate over 40 weeks ($100,000 = $145,000 repaid, $3,625 a week). Compares weekly repayments only – total interest over the life of each loan differs.
We can help if…
Most of our clients come to us in one of these situations. If yours isn’t listed, call us – we look at every deal on its merits.
- The bank has said no, or is taking too long
- You have an ATO debt to clear
- A settlement or deadline is coming up fast
- You need working capital to grow or get through a tight patch
- You want to refinance out of a difficult loan
- Your credit or trading history doesn’t fit the banks’ boxes
Why businesses choose Fidelity Capital
When the banks say no, or simply can’t move fast enough, we look at the whole picture – not just a credit score.
Mortgages tailored to your circumstances
First mortgages, second mortgages and equipment finance secured by a second mortgage – on interest-only or principal-and-interest terms, shaped around your situation, including past credit issues, ATO debt or a new business without two years of financials.
Fast approvals, funded in 48 hours
Decisions are made in-house. For straightforward deals we can approve and release funds within 48 hours – ideal for settlements, tax deadlines and time-critical opportunities.
Collateralisation for complex needs
Not enough equity in one asset? We can combine several properties or assets – including those of directors or third-party guarantors – to secure the funding you need.
Funding tailored to you
No rigid checklists. Loan amount, term and structure are set around your business and your exit plan, with every cost spelled out before you commit.
A decade of saying yes when it matters.
Since 2015, Fidelity Capital has been a boutique private mortgage fund focused on one thing: practical, imaginative finance for Australia’s small and medium businesses. We’ve funded businesses through partnership break-ups, administrations, redundancies and rapid growth – and we’ve stayed small enough to know every deal personally.
From application to funds in three steps
- Step 1 · 5 minutes
Apply online
Tell us how much you need, what it’s for and what security is available. No documents needed to start.
- Step 2 · same day
Talk to a decision-maker
We call you, talk through your scenario and send clear indicative terms – rate, fees, term and conditions.
- Step 3 · from 48 hours
Get funded
Once you accept, we finalise documents and release funds – within 48 hours for simple deals.
Got a client the banks can’t help?
Send us the scenario. You’ll get a straight answer quickly, and we’ll keep you in the loop through to settlement.
Common questions
How much can I borrow?
From $50,000 up to $2.5 million, depending on the security available and your exit strategy.
Can I choose interest only or principal and interest?
Yes. We offer both. Interest-only keeps repayments lower while you work towards refinancing or a sale; principal-and-interest pays the loan down over its term. We’ll help you pick the structure that suits your exit plan.
What types of loans do you offer?
First mortgages, second mortgages, and equipment finance secured by a second mortgage – all for business purposes.
How fast can I get funds?
For simple deals – clear property security, one borrower and a straightforward purpose – we can fund within 48 hours of approval. More complex deals take a little longer, and we’ll give you a timeline up front.
Can you help if the bank has said no?
Often, yes. We focus on the security and how the loan will be repaid, so credit history, tax debts or a short trading history don’t automatically rule you out.
What is collateralisation?
It means using more than one property or asset as security for a single loan. It can unlock funding when no single asset has enough equity on its own.
What fees apply?
Fees depend on the size and structure of your loan. Every cost – including establishment, legal and valuation fees – is set out in your indicative terms before you commit, so there are no surprises.
Let’s find a way to fund it.
Apply online in about 5 minutes, or talk to us first.