Aperta Capital specialises in private lending for complex, time-sensitive and high-value business projects. Our funding scenarios demonstrate how we structure finance for situations that traditional banks may not support.

Private Funding Scenarios & Alternative Lending Options

Funding Scenario desktop background
FUNDING
SCENARIO
Property acquisitions scenario Working capital scenario
Security - Determined at the discretion of the lender following application assessment
Loan purpose - Working capital, inventory purchase, equipment purchase, business acquisition, refinance. Pre-sale bridging finance.
No NCCP
Funding Scenario mobile header
FUNDING
SCENARIO
Property acquisitions scenario Working capital scenario
Security - Determined at the discretion of the lender following application assessment
Loan purpose - Working capital, inventory purchase, equipment purchase, business acquisition, refinance. Pre-sale bridging finance.
No NCCP
Aperta Fund Basic Premium background
The following financial solutions are for reference only.
Additional costs, including line fees or other applicable charges, may apply.
All final outcomes are subject to full credit assessment and approval.

Business Financial Solution Basic:

  • Application Fee (lodgement Fee)$1000
  • Approval Time≥ 1 Days
  • Interest RateFrom 8% P.A
  • Loan Term1-36 Months
  • Loan Amount300K to 7.5M
  • Establishment FeeFixed or from 1.5% (0.5%)
  • LVRUp to 75%
  • Legal FeeAt Cost
  • Valuation FeeAt Cost
  • Urgent Fee$500
  • Discharge Fee$950
(* Subject to eligible collateral)

Business Financial Solution Premium:

  • Application Fee (lodgement Fee)$1500
  • Approval Time≥ 1 Days
  • Interest RateFrom 9% P.A
  • Loan Term1-36 Months
  • Loan Amount7.5M to 15M
  • Establishment FeeFrom 1.5% (0.5%)
  • LVRPending security type
  • Legal FeeAt Cost
  • Valuation FeeAt Cost
  • Discharge FeeAt Cost
(* Subject to eligible collateral)
Basic Premium mobile header
The following financial solutions are for reference only.
Additional costs, including line fees or other applicable charges, may apply.
All final outcomes are subject to full credit assessment and approval.

Business Financial Solution Basic:

  • Application Fee (lodgement Fee)$1000
  • Approval Time≥ 1 Days
  • Interest RateFrom 8% P.A
  • Loan Term1-36 Months
  • Loan Amount300K to 7.5M
  • Establishment FeeFixed or from 1.5% (0.5%)
  • LVRUp to 75%
  • Legal FeeAt Cost
  • Valuation FeeAt Cost
  • Urgent Fee$500
  • Discharge Fee$950
(* Subject to eligible collateral)

Business Financial Solution Premium:

  • Application Fee (lodgement Fee)$1500
  • Approval Time≥ 1 Days
  • Interest RateFrom 9% P.A
  • Loan Term1-36 Months
  • Loan Amount7.5M to 15M
  • Establishment FeeFrom 1.5% (0.5%)
  • LVRPending security type
  • Legal FeeAt Cost
  • Valuation FeeAt Cost
  • Discharge FeeAt Cost
(* Subject to eligible collateral)
Fund Tailored & Residual Solutions

Business Financial Solution Tailored:

  • Application Fee (lodgement Fee)$2500
  • Approval Time≥ 3 Days
  • Interest RateFrom 10% P.A
  • Loan Term1–36 Months
  • Loan AmountFrom 15M
  • Establishment FeeFrom 1.8% (0.5%)
  • LVRPending security type
  • Legal FeeAt Cost
  • Valuation FeeAt Cost
  • Discharge FeeAt Cost
(* Subject to eligible collateral)

Residual Stock Financial Solution Plus:

  • Application Fee (lodgement Fee)$2500
  • Approval Time≥ 3 Days
  • LVR65–80%
  • Interest RateFrom 7.5% P.A
  • Loan Term1–36 Months
  • Loan AmountUp to 10M (case by case)
  • Establishment FeeStarting 1.8% (0.5%)
  • Legal FeeAt Cost
  • Valuation FeeAt Cost
  • Discharge FeeAt Cost
(* Subject to eligible collateral)

Business Financial Solution Tailored:

  • Application Fee (lodgement Fee)$2500
  • Approval Time≥ 3 Days
  • Interest RateFrom 10% P.A
  • Loan Term1–36 Months
  • Loan AmountFrom 15M
  • Establishment FeeFrom 1.8% (0.5%)
  • LVRPending security type
  • Legal FeeAt Cost
  • Valuation FeeAt Cost
  • Discharge FeeAt Cost
(* Subject to eligible collateral)

Residual Stock Financial Solution Plus:

  • Application Fee (lodgement Fee)$2500
  • Approval Time≥ 3 Days
  • LVR65–80%
  • Interest RateFrom 7.5% P.A
  • Loan Term1–36 Months
  • Loan AmountUp to 10M (case by case)
  • Establishment FeeStarting 1.8% (0.5%)
  • Legal FeeAt Cost
  • Valuation FeeAt Cost
  • Discharge FeeAt Cost
(* Subject to eligible collateral)
Metro Postcode Background
City State Metro Postcode Range Coverage Examples
SYD NSW 2000 – 2234, 2555 – 2574, 2745 – 2770, 2775 Sydney CBD, Parramatta, Liverpool, Penrith, Campbelltown, Northern Beaches, Sutherland Shire
MEL VIC 3000 – 3207, 3335 – 3341, 3427 – 3429, 3750 – 3757, 3765 – 3770, 3781 – 3796, 3800 – 3810, 3910 – 3915, 3926 – 3930, 3975 – 3978, 3980 – 3983 Melbourne CBD, Docklands, Dandenong, Werribee, Craigieburn, Pakenham, Frankston
BNE QLD 4000 – 4207, 4300 – 4305, 4500 – 4519, 4520 – 4521 Brisbane City, Logan, Ipswich, Redlands, Moreton Bay
ADL SA 5000 – 5199, 5800 – 5999 Adelaide City, Mawson Lakes, Glenelg, Salisbury, Noarlunga
PER WA 6000 – 6199, 6800 – 6999 Perth CBD, Subiaco, Joondalup, Cannington, Rockingham, Mandurah
CBR ACT 0200 – 0299, 2600 – 2617, 2900 – 2914 Canberra City, Belconnen, Tuggeranong, Gungahlin, Woden
DRW NT 0800 – 0821, 0828 – 0832 Darwin City, Stuart Park, Parap, Casuarina, Palmerston, Durack
HBA TAS 7000 – 7054, 7057 – 7059, 7170 Hobart CBD, Sandy Bay, Glenorchy, Moonah, Kingston, Howrah, Rosny Park
Aperta Lending system – Metro Region Postcode Ranges
(These postcode details are subject to periodic updates and are provided for reference purposes only.)
For the most accurate and up-to-date information, please contact our Business Development team.
Metro Mobile Background
City State Metro Postcode Range Coverage Examples
SYD NSW 2000 – 2234, 2555 – 2574, 2745 – 2770, 2775 Sydney CBD, Parramatta, Liverpool, Penrith, Campbelltown, Northern Beaches, Sutherland Shire
MEL VIC 3000 – 3207, 3335 – 3341, 3427 – 3429, 3750 – 3757, 3765 – 3770, 3781 – 3796, 3800 – 3810, 3910 – 3915, 3926 – 3930, 3975 – 3978, 3980 – 3983 Melbourne CBD, Docklands, Dandenong, Werribee, Craigieburn, Pakenham, Frankston
BNE QLD 4000 – 4207, 4300 – 4305, 4500 – 4519, 4520 – 4521 Brisbane City, Logan, Ipswich, Redlands, Moreton Bay
ADL SA 5000 – 5199, 5800 – 5999 Adelaide City, Mawson Lakes, Glenelg, Salisbury, Noarlunga
PER WA 6000 – 6199, 6800 – 6999 Perth CBD, Subiaco, Joondalup, Cannington, Rockingham, Mandurah
CBR ACT 0200 – 0299, 2600 – 2617, 2900 – 2914 Canberra City, Belconnen, Tuggeranong, Gungahlin, Woden
DRW NT 0800 – 0821, 0828 – 0832 Darwin City, Stuart Park, Parap, Casuarina, Palmerston, Durack
HBA TAS 7000 – 7054, 7057 – 7059, 7170 Hobart CBD, Sandy Bay, Glenorchy, Moonah, Kingston, Howrah, Rosny Park
Aperta Lending system – Metro Region Postcode Ranges
(These postcode details are subject to periodic updates and are provided for reference purposes only.)
For the most accurate and up-to-date information, please contact our Business Development team.
Urban Region background
Major Urban Region Approximate Postcode Range Includes Regions
Sydney & Surroundings
(NSW)		 2000 – 2530  (inc.2250-2486) Central Coast, Illawarra, Wollongong, Newcastle, PortMacquarie, Coffs Harbour, Byron Bay, Tweed Heads
Brisbane &Surroundings
(QLD)		 4000-4575 Gold Coast, Sunshine Coast
Melbourne &Surroundings
(VIC)		 3000-3556 Geelong, Ballarat, Bendigo
Aperta Lending system – Urban Region Postcode Ranges
(These postcode details are subject to periodic updates and are provided for reference purposes only.
For the most accurate and up-to-date information, please contact our Business Development team.)
Urban region mobile background
Urban Region Postcodes Regions
Sydney & Surroundings
(NSW)		 2000 – 2530
(inc.2250-2486)		 Central Coast, Illawarra, Wollongong, Newcastle, PortMacquarie, Coffs Harbour, Byron Bay, Tweed Heads
Brisbane &Surroundings
(QLD)		 4000-4575 Gold Coast, Sunshine Coast
Melbourne &Surroundings
(VIC)		 3000-3556 Geelong, Ballarat, Bendigo
Aperta Lending system – Urban Region Postcode Ranges
(Postcode details are subject to periodic updates. Contact our Business Development team for latest info.)
Fund final background desktop
Apertas delivers tailored commercial financial Solution, combining flexibility with disciplined
credit principles to meet each client’s unique objectives.
Metro property icon
RESIDENTIAL/
COMMERCIAL PROPERTY
METRO
Non-metro property icon
RESIDENTIAL/
COMMERCIAL PROPERTY
NON-METRO
Vacant land icon
Vacant Land
Residual stock icon
Aperta
Residual Stock
(Processing times may be extended for applications from non-metropolitan regions.)
Fund final background mobile
Apertas delivers tailored commercial financial Solution, combining flexibility with disciplined credit principles to meet each client’s unique objectives.
Metro property icon
RESIDENTIAL/
COMMERCIAL PROPERTY
METRO
Non-metro property icon
RESIDENTIAL/
COMMERCIAL PROPERTY
NON-METRO
Vacant land icon
Vacant Land
Residual stock icon
Aperta
Residual Stock
(Processing times may be extended for applications from non-metropolitan regions.)