Business funding secured against the equity you already have.
Whether you're drawing on equity in your home or a larger commercial facility, ABN Capital structures practical, property-backed lending for business owners — big or small — outside traditional bank policy.
Recent Funding Scenarios
From everyday equity release to larger structured facilities — practical lending solutions sized to the borrower, not just the transaction.
Home Equity Business Top-Up
A self-employed tradesperson used equity in their family home as security to access working capital for materials and short-term cash flow, avoiding the delays of a full bank application.
Business Debt Consolidation
A small business owner secured a second mortgage against their home to consolidate several business debts into one manageable facility, reducing monthly repayments.
Short-Term Bridging Using Home Equity
A business owner used their home as security for a short-term bridging facility, covering a time-sensitive supplier payment ahead of an upcoming receivable.
Tax Debt & Cash Flow Support
Equity in a commercial property was used to fund an ATO tax debt and provide ongoing working capital headroom for a growing business.
Equity Release & Business Capital Solution
Structured second mortgage funding secured against the borrower's home, assisting a business owner with working capital requirements and debt consolidation.
$2.4M Structured Refinance Facility
Industrial property security supporting a time-sensitive commercial refinance and ongoing working capital flexibility — the same approach that scales for larger transactions.
Who We Typically Assist
Security Types Considered
- Residential property (incl. the family home)
- Commercial property
- Development sites
- Industrial assets
- Residual stock
- Mixed-use property
Why Borrowers Work With ABN Capital
Structured finance solutions backed by experience, lender access and commercial understanding — for business owners at any scale, from a modest equity-release top-up to a larger structured facility.
1Australia-Wide Lending Capability
We assist borrowers across metropolitan and regional Australia with access to private, non-bank and specialist funding across residential, commercial, industrial and development transactions.
2Access To Private & Non-Bank Lenders
ABN Capital maintains relationships with private lenders, non-bank institutions, mortgage funds and specialist funding providers — including smaller business-purpose loans secured by home equity.
3Structured Property-Backed Transactions
We specialise in structuring funding across equity release, second mortgages, business debt consolidation, bridging facilities, commercial refinance and residual stock lending.
4Experienced Commercial Finance Team
With extensive real-world lending and credit experience, our team understands the realities facing everyday business owners as much as larger, time-sensitive transactions.
5Complex Lending Scenario Expertise
We regularly assist with trust structures, company borrowers, development projects, time-sensitive settlements and borrowers requiring flexible or non-traditional solutions — of any size.
6Relationship-Driven Advisory Approach
We build long-term relationships with borrowers, brokers and funding partners through practical finance solutions, transparent communication and commercially considered outcomes.
Are you a borrower seeking funds?
Home equity release for business purposes, short-term capital, second mortgage lending, debt consolidation, bridging finance and structured private lending.
Commercial & Practical Lending Approach
Many lending scenarios require practical commercial assessment rather than purely automated credit processes. We work closely with borrowers, brokers and introducers to assess opportunities based on:
Built On Real Lending Experience
Decades of practical experience across private lending, commercial finance and lending operations — informing our governance and advisory work with lending, finance and fintech businesses across Australia.
- Private lending & secured transactions
- Commercial lending structures
- Borrower risk assessment
- Lending operations & servicing
- Practical commercial structuring
Looking to become a private lender?
ABN Capital works with investors and prospective private lenders seeking private mortgage opportunities, governance guidance and structured private lending arrangements. Confidential discussions available for parties interested in property-secured lending opportunities or outsourced portfolio management.
Lending & Advisory Experience
Alongside private lending activity, ABN Capital also works with lending and fintech businesses across operational readiness, governance frameworks, lending operations, Responsible Manager services, ACL readiness and operational implementation — giving us practical insight into how lending businesses operate and scale in real-world environments.
Discuss A Funding Scenario
To discuss a private lending or commercial funding scenario — of any size — contact ABN Capital for a confidential discussion.