Send us a WhatsApp Message
Delighted Woman Texting EDITED (compressed)

Helping You Get Your Ducks in a Row.

The private lending industry can feel like uncharted waters – filled with complexity, risk, and uncertainty. We aim to bring clarity, confidence, and a better way forward. Inspired by the resilience of the black duck, we glide through challenges with purpose, offering financial solutions that empower brokers, uplift clients, and redefine lending.

Experts in Finance. Partners in Your Success.

Our team is built on trust, transparency, and a deep understanding of private lending. We work alongside brokers, investors, and borrowers to craft tailored financial solutions that make sense.

Why Black Duck Capital

Fast & Flexible Lending – Decisions in days, not weeks. Tailored solutions designed for your needs.
Transparent Terms – No hidden fees. No surprises. Just lending done right.
Broker-First Approach – We work with you, not against you, to get the best outcome.
Diverse Funding Network – Access to private lenders, investors, and family offices nationwide.

When the banks say no, we find a way forward.

Hear it from our clients, first

Heather Zhang is not just loaded with lending industry experience, credit knowledge, market direction particular in the private lending segment, but also she has a great interpersonal skill that’s irreplaceable. Her passion in the finance industry, responsive to brokers’ inquiries in no set time that earns the broker’s mind and soul that designated her to be the chosen One to deal with as first priority when comes to private lending. I have no doubt of Heather’s leadership or management role in the finance industry, not to mention her will established connections with Brokers.

Heather has always smile, happy and confidence to deal with. I have no hesitation in recommendation Heather.

William Chen

- Lending Specialist

Heather stepped us through every aspect of the mortgage process with precise knowledge of mortgage products and the real estate industry. She is highly accessible and available, promptly answering any questions as well as being available to meet and fit in with our schedule at short notice.

Melissa Luke

- National Account Manager at Biome Australia

Heather was our Business Development Manager (BDM) & she would go above and beyond to make sure both our brokers and clients were well looked after. Heather is very solutions oriented and doesn’t get stuck on a particular problem, instead she would look at ways to resolve various challenges. Whilst resolving these challenges, she would be in constant communication via phone, email or SMS with all relevant parties to make sure they are informed. Highly recommended and a 5 ⭐ review!

Allen Chan

- Entrepreneur | Virtual Staffing & Finance Expert | Scaling Businesses & Impacting Communities

Heather Zhang is responsive, reliable, hard-working and very sharp with the solutions for her clients. She is always patient to explain all the complexities faced, and her advice is something that will make a big difference to the outcome at the end of the day. That’s what you need in your “A-team”. I can strongly recommend her services. Heather Zhang is the best mortgage broker I’ve ever worked with. She is responsive, reliable, hard-working and very sharp with the solutions for her clients. She is always patient to explain all the complexities faced, and her advice is something that will make a big difference to the outcome at the end of the day. That’s what you need in your “A-team”. I can strongly recommend her services.

Jack Qi

- Accountant, investor and advisor to Tech sector | Partner at William Buck | Scaleup Hub Ambassador

I have had the pleasure of dealing with Heather for many years to support my customers. She is always very professional, knowledgeable and efficient, an absolute delight to deal with.

Effie Nicol

- Principal, Mortgage Broker and Mentor at Yellow Brick Road Earlwood & Marrickville

Heather and her team were amazing. My settlement was coming up and I had yet to obtain any finance for the purchase. Heather and her team did a great job getting my loan approved in a very short time span. They understood my needs and made the process very easy. Even in the short time, Heather was able to find the best loan for me.

Manny Chan

Heather Zhang was an incredible help throughout the entire loan process. She guided me every step of the way, offering valuable insights and practical advice that made securing a loan much smoother. Her expertise and dedication were truly impressive, and she went above and beyond to ensure I had the best possible outcome. I highly recommend Heather for anyone looking for professional and reliable financial assistance!

Sannjeev Gosal

- Recruitment and Marketing Consultant