Private Mortgage & Short-Term Business Finance
Astro Capital Finance is an Australian private lender providing short-term, property-secured loans for business purposes. We're not a bank. We're a private credit fund that lends against Australian real property, and we make the lending decisions, not a credit committee.
- Property-secured lending: we take a registered first mortgage over residential, commercial, or industrial property as security
- Approval in as little as 3 hours: no committees, no delays, direct access to decision makers
- Funding in as little as 3 days:settlement turnaround that banks simply can't match
- $100k to $5M: flexible loan sizes for any business scenario, from bridging to debt consolidation
- Low-doc and impaired credit considered: we focus on the property, the LVR, and your exit strategy
Get a Fast Assessment
No obligation. We respond within 2 business hours.
Finance That Works at Your Pace
A private mortgage is a short-term loan secured by property and provided by a private (non-bank) lender. Astro Capital Finance provides first-mortgage private lending from $100k to $5M for business and commercial purposes across Australia, with approval in hours and funding in as little as 3 days.
We specialise in scenarios where traditional banks are too slow, too rigid, or have said no. If you have property to secure the loan and a clear exit strategy, we can often find a way to get you funded, fast.
3 Hours
Approval turnaround on most applications
$100k–$5M
Flexible loan amounts for any scenario
1st Mortgage
Registered first mortgage security
Low-Doc
Streamlined documentation requirements
Why Choose a Private Lender?
Common Scenarios We Fund
- Declined by the bank but asset-rich
- Need speed a bank can't match
- Complex or low-doc scenario
- Bridging to a refinance or sale
- Capital to seize a time-sensitive business opportunity
Opportunities don't wait for bank approvals. Get funded while others are still in the queue.
Our Process
Get In Touch
Reach out via phone, email, or our online form.
Quick Quote
Receive an indicative quote tailored to your scenario.
Apply
Submit your application with supporting documents.
Assessment
Our credit team reviews your scenario and security.
Approval
Receive a letter of offer, often within hours.
Mortgage Documents Issued
Our solicitors prepare and issue loan documentation.
Settlement
Funds are disbursed, as fast as 48 hours.
Get In Touch
Reach out via phone, email, or our online form.
Quick Quote
Receive an indicative quote tailored to your scenario.
Apply
Submit your application with supporting documents.
Assessment
Our credit team reviews your scenario and security.
Approval
Receive a letter of offer, often within hours.
Mortgage Documents Issued
Our solicitors prepare and issue loan documentation.
Settlement
Funds are disbursed, as fast as 48 hours.
Prefer a quick quote? Use our Quick Quote tool for an instant indicative quote.
Frequently Asked Questions
How Astro Capital Can Help
Here’s What We Offer
- Loans from $50k to $5M (larger by exception)
- 1–24 month loan terms
- First mortgages up to 75% LVR
- Residential, commercial, industrial and land securities acceptable
- Prepaid interest available
- Settle in as little as 72 hours
How Can We Help?
- Urgent property settlements
- Business cash flow
- Debt consolidation (ATO debt included)
- Incomplete construction
- Residual stock
Astro Capital Finance provides loans for business and commercial purposes only. More than 50% of loan funds must be applied to business or commercial use. Loans are secured by a registered first mortgage. We do not provide consumer or owner-occupied home loans. Lending is subject to assessment, security and an acceptable exit strategy.