borrower overview

We place your project at the forefront of our lending solutions

We provide flexible finance solutions across residential, commercial, and industrial property sectors, catering to quality borrowers with robust track records. Our offerings are backed by prime assets along Australia's eastern seaboard, with facility sizes of up to $50 million.

Who 3 Capital's lending solutions are best suited for

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Borrowers seeking funding for property development projects with a focus on growth, innovation, and value creation.

Borrowers looking for a lending partner that not only provides capital but actively provides support throughout the lending process.

Borrowers valuing a secure lending approach, where first-mortgage lending and a meticulous due diligence process ensure risk exposure is managed.

Borrowers requiring flexible lending solutions that adapt to changing project circumstances, acknowledging the potential for unforeseen events.

LENDING SNAPSHOT

Our flexible solutions are curated with you in mind

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Product

Interest Rate

Security Type

Loan Purpose

Max LVR

Loan Amount

Vacant land

From BBSY + 1.99%

Land for future development

Purchase, refinance and equity release

65%

$5 million - $100 million

Construction

From BBSY + 2.99%

Residential, commercial and industrial assets

Purchase / refinance and construction

70%

$5 million - $100 million

Residual stock

From BBSY + 1.99%

Residential, commercial and industrial assets

Refinance and equity release

75%

$5 million - $100 million

Commercial real estate

From BBSY + 1.99%

Commercial and industrial assets

Purchase or refinance and equity release

65%

$5 million - $100 million

Other bridging facilities

From BBSY + 1.99%

Residential, commercial and industrial assets

Refinance

70%

$5 million - $100 million

General indicative terms

Loan terms: 6 months - 24 months
Interest payments: Interest only (capitalised / serviced)
Security: Registered first mortgage + personal guarantees + general security agreements
Application fee: from 1%
Geographic focus: NSW, VIC, QLD, ACT, WA

Note: The above terms are indicative only, subject to change, and further terms & conditions apply. Applications must be for business purposes, and not included under the National Credit Code.

"3 Capital has funded two of our projects so far. An industrial site in Prestons NSW, and an Office Works store in Caboolture QLD. It was a seamless experience, and they are a pleasure to work with. 3 Capital delivered on their promise with no surprises, and as a result, I highly recommend them for your development project."

Jonathan Pearce

Our value as a lender

We partner with you to enable your growth potential

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Flexible lending solutions

Whether you're navigating residential, commercial, or industrial projects, our solutions are tailored to fit your requirements. Expect personalised financing that aligns seamlessly with your vision, ensuring you stay agile and adaptable.

Competitive rates

With a strong track record as a shareholder and operator of property assets, we are able to take a commercial view on each transaction we finance. That's why our rates are competitive.

Quick to settle

With 3 Capital, expect a commitment to swift settlements. We understand the urgency inherent in the industry, and our streamlined processes ensure your projects move ahead with speed and efficiency.

Service excellence

Exceptional service is our priority. We pride ourselves on delivering service excellence with a view to developing long-term relationships with our borrower partners.

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Who 3 Capital's lending solutions are best suited for

Our flexible solutions are curated with you in mind

We partner with you to enable your growth potential

Flexible lending solutions

Competitive rates

Quick to settle

Service excellence

Leave your details and we will contact you about your borrowing objectives