Borrower FAQs

Australian Secure Capital Fund Ltd (ASCF) is an asset lender based in Brisbane, Australia. This means we lend businesses money against the value of their property assets secured by a registered 1st or 2nd mortgage security.

ASCF helps Australian business owners with short-term business financing solutions. Committed to simple processes, short settlements, and competitive rates, we aim to provide our customers with a stress-free, expedient short-term business financing experience.

Our directors have been in the private lending loan market since 1997 and in 2016 established Australian Secure Capital Fund Ltd.

Our loan book currently exceeds $240M across our retail funds.

To learn more about ASCF, see our About Us page.

Fast Approvals
We offer fast loan approvals in as little as 24 hours.

Quick Settlement
Efficient funding solutions allowing for 72-hour settlement of approved loans.

Direct Lending
Deal direct with the decision makers. This reduces associated fees and approval times and allows for a more personal approach.

Flexible Lending Agreements
We offer flexible loan terms of 1 to 24 months for amounts ranging from $50,000 to $5,000,000 (with loans greater than $5,000,000 considered on their individual merits) and maximum loan-to-valuation ratios (LVR) of 80%.

Competitive Short-Term Lending Rates
With interest rates from 7.95% for 1^st mortgage loans and 11.95% for 2^nd mortgages, we offer competitive short-term lending rates.

To view all of our current lending rates, please visit our ASCF Business Lending Rates page.

We offer loans for a variety of reasons including refinance, commercial investment, business expansion, working capital, bridging finance, or any other worthwhile purpose.

To learn more, see our Loan Products and Suitable Purposes pages.

We offer asset-backed lending to a maximum of 80% of the purchase price or valuation, whichever is the lower.

We offer loans starting from $50,000 up to $5,000,000, with loans greater than $5,000,000 considered on their individual merits.

For more details, see our How to Apply page.

We offer loan terms ranging from 1 to 24 months.

We offer fixed interest rates only, at a rate determined on an individual basis.

1^st Mortgages: From 7.95% per annum
2^nd Mortgages: From 11.95% per annum

To view all of our current rates, please visit our ASCF Business Lending Rates page.

• Valuation fee to be advised in an indicative letter of offer.
• Lenders establishment fee – 2.2% of the loan amount (to be assessed on an individual basis)
• Lenders legal fees from $2,450 (deducted from the loan on settlement)
  • + Document preparation fee $550
  • + Legal disbursement $880

Apply online now or get in touch with us to discuss your requirements. You can phone us on 1300 269 419 or email us at [email protected].