How it works
Get funded in as little as 48 hours from first enquiry.
1
Tell us what you need
Complete our short questionnaire with your loan amount, security details and use of funds. Takes 2 minutes.
2
Get your offer
We review your application and provide a letter of offer within 24 hours. We review and approve applications fast. No unnecessary delays.
3
Receive your funds
Once you accept and we complete a valuation, funds are released fast. Most loans settle within 48 hours of acceptance.
How our clients use their funding
Short-term commercial funding for Australian businesses secured against property.
Working Capital
Bridge cash flow gaps and keep your business running
Property Purchase
Secure a property fast before traditional finance settles
ATO & BAS Debt
Clear tax debt and restore your borrowing capacity
Equipment Purchase
Buy vehicles, machinery or equipment your business needs
Bridging Finance
Short-term bridge between selling one property and buying another
Equity Release
Unlock equity in your property for business purposes
Loan Refinancing
Refinance existing debt on better terms
Development Finance
Construction loans and mezzanine finance for property developers
Loan parameters
Transparent terms. No hidden fees. Interest only payments.
$100,000 - $10,000,000
Loan amounts available
1st Mortgages from 8.65% p.a.
First mortgage interest rates
2nd Mortgages from 1.75% /month
Second mortgage interest rates
Up to 24 months
No minimum loan term
75% LVR
Maximum against residential security
Interest only
No principal repayments during term
All security types
Residential, commercial and land accepted
Australia-wide
No postcode restrictions
Company borrowers
Pty Ltd required with property security
Why Vivian Locke Capital?
Vivian Locke Capital specialises in commercial mortgages for Australian based companies. We have a $30 million funding line that is specifically set aside as a non-bank, low document facility.
Our loans are secured and open to Australian property nationwide. We make fast decisions with clear communication. No unnecessary delays or middlemen.
We always make sure that our core value of ethical transparency is upheld. Valuation quotes are provided before valuation and clients proceed independently if they are happy with the pricing offered.
Fast decisions, no delays
You speak directly with the decision maker. No delays, no runaround.
$30 million dedicated funding line
Purpose-built non-bank facility means we have the capital ready to lend.
Low documentation process
No lengthy financials required. We focus on security value and exit strategy.
Ethical transparency
All fees, rates and valuation costs disclosed upfront. No hidden charges.
Real examples
See how our commercial loans have helped Australian businesses.
Hunters Hill, Sydney, NSW
$680,000
Equipment purchase for logistics business
Our client needed four prime mover trucks to meet new contract demand. Despite having pre-approval with a broker, traditional finance wouldn't assist due to existing finance commitments. Using equity in his Hunters Hill residential property, we provided a 5-month second mortgage. The client paid interest only, then refinanced with a major bank.
Toorak, Melbourne, VIC
$320,000
ATO debt removal + working capital
Our client needed to remove ATO debt, purchase stock and fund working capital while restructuring his wholesale furniture business. Being in debt to the ATO precluded him from major banks. Using a lowly leveraged investment property as collateral, we provided a second mortgage. Now trading strongly, the client is eligible for bank finance again.
Nashua, NSW
$882,000
Second mortgage for business
Our client is a reputable Northern Rivers mortgage broker and real estate agent who needed a second mortgage for his business. We provided this against his rural luxury investment property, on a low doc basis with an accountant's letter and confirmation of income.
Nashua, NSW
$500,000
Urgent funding for film production project
Our client operates a film production company and urgently needed $500,000 for an upcoming project. He had large equity in a Byron Bay Shire home in Nashua and contacted us for a second mortgage. We released funds within a week of the valuation, with no need for lengthy financials or cashflow forecasts.
Pimpama, QLD
$1,000,000
Urgent settlement to save property from mortgagee possession
Our client operates an interior design business on the Gold Coast and urgently needed a quick settlement to save their property. They had been developing a home in Pimpama, but inflationary cost blowouts put them in mortgagee possession with their existing bank. We organised an urgent settlement to save the property and pre-paid the interest so they could finalise the asset, which has a gross realisable value of over $3 million once complete.
Flinders View, QLD
$125,000
Urgent working capital for carpentry business
Our client required $125,000 for his carpentry business, for urgent working capital to cover expenses, invoices and subcontractors for upcoming projects. We released these funds as a quick second mortgage against his property, giving him funds without the need for extensive financials.
Grafton, NSW
$140,000
Construction of micro home for B&B business
Our client operates a B&B business in Grafton and needed to construct a further micro home residence to grow her accommodation. We secured $140,000 as a business loan against her owner occupied property, released as a low doc equity release to enable her to begin this crucial work for her business.
Bondi Beach, Sydney
$200,000
Renovation and stock for fashion retail store
Our client required $200,000 for the renovation and stock of their fashion retail store in Bondi. We secured the funds as a second mortgage against their commercial asset at 65% LVR.
Spalding, SA
$240,000
Rural property purchase with postcode restrictions elsewhere
Our client needed to settle a very rural property purchase in Spalding, South Australia. Many other finance providers couldn't approve due to postcode restrictions, but we were able to offer an approval and settled on a 12-month prepaid loan term.
Moreton Island, QLD
$200,000
Urgent capital raise for business
We provided a $200,000 capital raise for a client who needed urgent funds for his business. We offered a 6-month pre-paid facility against his unencumbered leasehold property on Moreton Island.
What we need from you
To provide a letter of offer, we require the following information.
Loan details
1
Clear commercial use of the funds with the amount required
2
The term required (1-24 months) and your exit strategy after our term expires
3
Details of the borrowing entity with their ABN and the nature of their business
Security details
4
The full address of the proposed security and details of the security type (house, land, commercial premises, etc.)
5
Your estimated value of the proposed security and the current debt level on the property
6
Details of the guarantor(s) and their ID to comply with AML and KYC requirements
Fair and transparent valuations
Valuations of our client's security are always carried out at fair market value. We engage a highly professional panel of valuers, who we can rely on to give accurate property reports.
Valuation quotes are provided before valuation and clients proceed independently if they are happy with the pricing offered. We always make sure that our core value of ethical transparency is upheld.
Ready to get funded?
Complete our 2-minute questionnaire and get a personalised rate within 24 hours. No credit score impact.
GET YOUR RATECredit history not required. 24hr approval process. Funds paid fast. Australia-wide. Fast approvals.
Important Information
- Please note that we do not offer personal or consumer loans. Loans are commercial only in nature.
- Please be advised that you must provide a suitable serviceability letter from your accountant or financial planner, and clearly state your exit strategy for the loan.
- Please ensure you provide all forms of ID to comply with AML and KYC requirements and be a registered director of an Australian company.