Asset rich individual
If you’re an asset-rich individual looking to access liquidity for new investments, business ventures, or personal financial needs, traditional lenders may not provide the flexibility you require. Blackduck Capital specializes in tailored private lending solutions, allowing you to leverage your assets—such as property or other high-value holdings—to unlock capital quickly and efficiently.
Beyond borrowing, we also offer opportunities to invest in private credit, an alternative asset class that provides consistent returns backed by real assets. Whether you’re looking to fund property acquisitions, expand your business, or capitalize on high-return investment opportunities, our short-term loans, property-backed finance, and structured lending solutions ensure fast approvals and efficient settlements.
Product Summary
Term
1-24 Months
Loan Amount
Up to $30m
LVR - Residential Property
Up to 75% LVR
LVR - Commercial Property
Up to 70% LVR
LVR - Vacant land
Up to 65% LVR
We offer a variety of loan structures to suit different financial needs, including first registered mortgages, second registered mortgages, and caveat loans. Each option is designed to provide flexible funding solutions backed by secured assets.
Our loans are available to company borrowers, with approval possible for businesses operating under an ABN or ACN from as little as one day.
We accept a wide range of security types, including residential, commercial, and industrial properties, as well as vacant land and incomplete construction projects. This flexibility ensures borrowers can leverage their assets effectively to access funding.
Our fee structure is transparent and competitive. We charge an establishment fee of up to 2.2%, with valuation costs payable at cost. Legal fees for a simple structure start at $3,300 (GST inclusive) plus disbursements. There is no lender discharge fee, though legal fees apply. A rollover fee of 1.1% may also be applicable.
We provide fast and efficient loan processing, with indicative offers available within 24-48 hours and settlement typically completed within 5-10 business days.
Our Process
Step 1
Scenario Submission
Provide key details about the borrower, loan purpose, security, and exit strategy to help us assess feasibility.
Step 2
Assessment
We conduct an initial review to determine if the loan request meets our lending criteria.
Step 3
High-Level Quote
If the loan is viable, we issue an initial funding indication outlining possible terms.
Step 4
Application
The client completes an application and submits supporting documents, such as ID, a rates notice, and a COS, for review by the credit team.
Step 5
Indicative Term Sheet
A detailed document specifying the loan structure, rates, and conditions subject to due diligence. A commitment fee may be required.
Step 6
Due Diligence
We conduct property valuations, credit checks, and legal reviews, ensuring all necessary documents are in place.
Step 7
Loan Contract
Once due diligence is complete, formal loan documents are drafted and signed by all parties.
Step 8
Settlement
Legal teams finalize the transaction, and funds are disbursed to the borrower.
Step 9
Post-Settlement & Discharge
Loan servicing begins, and at the end of the term, the mortgage is discharged upon full repayment.
Hear it from our clients, first
Heather stepped us through every aspect
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
Highly recommended and a 5 ⭐ review
Heather is very solutions oriented and doesn't get stuck on a particular problem, instead she would look at ways to resolve various challenges.
- Allen Chan
Heather went above and beyond
She guided me every step of the way, offering valuable insights and practical advice that made securing a loan much smoother.
- Sannjeev Gosal
Professional, knowledgeable and efficient
I have had the pleasure of dealing with Heather for many years to support my customers.
- Effie Nicol
FAQ's
Straight answers. No fine print.
We offer short-term, asset-backed loans that allow you to unlock capital without selling your assets. Whether you need funds for investment opportunities, business growth, property purchases, or cash flow management, we provide flexible solutions that traditional banks may not offer.
We specialize in private lending solutions, including:
- Bridging Loans
- Business Loans (secured by property)
- Refinance & Debt Consolidation
- Construction Loans
- 1st & 2nd Registered Mortgages
- Caveat Loans
Our funding comes from a diverse network of trusted private lenders, family offices, and high-net-worth individuals, ensuring speedy, flexible and reliable financial solutions.
What loan terms and amounts are available?
- Loan Terms: 1 to 24 months
- Loan Amounts: Up to $30 million
We secure loans against:
- Residential Property (up to 75% LVR)
- Commercial Property (up to 70% LVR)
- Vacant Land (up to 65% LVR)
- Industrial & Incomplete Construction
- Indicative Offer: Within 24–48 hours
- Settlement: Typically, within 5–10 business days, depending on complexity and document submission.
- Establishment Fee: Up to 2.2%
- Valuation Fee: At cost
- Legal Fees: $3,300 incl. GST + disbursements for simple structures
- Rollover Fee: 1.1% (if the loan is extended)
- No Lender Discharge Fee (legal fees may apply)
We accept a range of real estate securities, including:
- Residential
- Commercial
- Industrial
- Vacant Land
- Incomplete Construction
We fund Company Borrowers, including 1-day-old ABN/ACN entities. We do not provide loans to individual borrowers for personal purposes. We consider borrowers with adverse credit history, taking a common-sense approach to lending and focus on asset strength, exit strategy, and the borrower’s ability to service the loan rather than just credit history.