What Assetline Capital does

Assetline Capital is an Australian non-bank lender founded in 2012 and headquartered in Sydney, with additional offices in Melbourne and Brisbane. The company operates as a subsidiary brand under the AltX Financial Group, providing a full suite of property-backed lending solutions to borrowers who fall outside traditional bank criteria. Its core products include Horizon Mortgages (long-term residential and commercial loans up to $5m with terms up to 30 years), Bridging Loans (short-term consumer finance from $250k-$10m at up to 80% LVR), Private Lending (short-term capital solutions from $500k-$40m including a distinctive No Val product), and Construction & Development Finance (development loans from $5m-$40m at up to 70% LVR). Since inception, the company has funded over $3.3 billion in loans across more than 1,000 transactions.

The company's technology stack centers on a proprietary credit assessment framework (the 5 Cs: Character, Collateral, Capacity, Capital, Conditions) and an in-house property research team that conducts desktop valuations, enabling its signature No Val product with 2-3 day settlements. Operational capabilities include digital broker portals (bridgingapply.assetline.com.au, scenario.assetline.com.au, LoanApp integration), remote verification of identity through IDyou, and an active lending model with in-house construction managers performing ongoing site inspections and drawdown management. The firm reports indicative term sheets within 24 hours and full credit approval within 48 hours for development finance, and same-day indicative offers for private lending scenarios.

Revenue is generated primarily through interest income across all four product lines, supplemented by establishment fees (0.75% risk fee fixed across bridging deals) and promotional broker/borrower incentives. Distribution is heavily intermediated: Assetline works exclusively through an accredited broker network and six major aggregator partnerships (Outsource Financial, LMG, Loan Market, YBR, Specialist Finance Group, and VOW Financial). Customer segments span self-employed and SME borrowers, SMSF trustees, property professionals, consumer borrowers, and developers, with mortgage brokers serving as the primary commercial interface. Recent performance shows 140% YoY growth in Horizon Mortgages settled volumes (Q4 2025 vs Q4 2024), 35% YoY growth in bridging loan settlements in 2024, and a 48% YoY increase in total loan settlements.

Name

Assetline Capital

Legal name

Assetline Capital Pty Ltd ACN 160 443 443

Website

https://assetline.com.au

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Assetline Capital is an Australian non-bank lender founded in 2012, providing property-backed bridging loans, mortgages, private lending, and construction finance from $250k to $40m, distributed through accredited brokers and aggregators.

Ownership category

akta.pro rank

Product category

Non-Bank Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Balance-Sheet / Portfolio CRE Lending (FSALADAG)

Keywords

• Non-bank lending
• Bridging finance
• Property mortgages
• Development finance
• Private lending

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D, Supply Chain

Revenue model

1. Interest Income - Bridging Loans: Variable interest rates on bridging loans (8.10% p.a. standard, 6.59% p.a. loyalty rate), with interest capitalised during the loan term. Loan sizes $250k-$10m, terms up to 18-24 months.
2. Interest Income - Horizon Mortgages: Long-term mortgage lending at various rates based on borrower profile (Prime, Near Prime, Specialist, SMSF). Loan amounts $250k-$5m with 30-year terms.
3. Interest Income - Private Lending: Short-term capital solutions for business borrowers at 7.84% p.a. (Capital), 8.84% p.a. (No Val), 8.29% p.a. (Site Acquisition). Loan sizes $500k-$40m, terms up to 36 months.
4. Interest Income - Construction & Development: Development finance for subdivisions, residential, retail, commercial, industrial assets. Up to $40m, 70% LVR, interest capitalised during development.
5. Establishment/Setup Fees: 0.75% risk fee (fixed across all bridging deals). Third party fees, government fees and charges, valuation fees, and document preparation costs also apply.
6. Broker Incentives: Cash-back promotion offering $1,100 borrower credit (applied against establishment fee at settlement) and $1,100 broker incentive for eligible loans settled during promotion period.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels5 records

Core offering

Assetline Capital is an Australian non-bank lender providing property-backed lending solutions across four core products: Horizon Mortgages (long-term 30-year residential, commercial, and SMSF loans), Bridging Loans (short-term property finance for buying before selling), Private Lending (short-term capital solutions for business borrowers and property professionals), and Construction & Development Finance (development loans for subdivisions, residential, commercial, and industrial projects). The company distributes primarily through accredited mortgage brokers and aggregators, serving borrowers who don't fit traditional bank criteria across Australia.

Product overview

Assetline Capital is an Australian non-bank lender offering a comprehensive suite of property-backed lending solutions. The product portfolio comprises four core products: Horizon Mortgages (long-term 30-year residential and commercial loans up to $5m), Construction and Development (development finance from $5m-$40m for subdivisions and property builds), Private Lending (short-term capital solutions from $500k-$40m including a unique No Val loan product), and Bridging Loans (consumer bridging finance from $250k-$10m). The company operates as part of the AltX Financial Group, with offices in Sydney, Melbourne, and Brisbane, and has funded over $3.3 billion in loans since inception in 2012. Products are distributed through accredited mortgage brokers and aggregators.

Differentiator

Problem solved

Functional benefit

Brands

• Horizon Mortgages: Long-term mortgage product offering loans up to $5m for residential and commercial properties, including full doc, alt doc, and SMSF lending with terms up to 30 years.
• Bridging Loans
• Construction and Development
• Private Lending

Products and services

• Horizon Mortgages Long-term mortgage lending product offering 30-year loan terms for residential and commercial properties, supporting individual borrowers, SMSFs, and trust structures with full doc, alt doc, and SMSF lending options up to $5 million.
• Bridging Loans Consumer bridging finance for property owners needing short-term funding to bridge the gap between buying and selling. Loans from $250,000 to $10 million with up to 80% LVR and terms up to 18 months.
• Private Lending Short-term capital solutions for business borrowers and property professionals, including No Val loans, site acquisition, refurbishment, and residual stock funding. Loans from $500k to $40 million with terms up to 36 months.
• Construction and Development Finance Development finance for subdivisions, residential, retail, commercial, industrial and specialised assets. Loans from $5 million to $40 million with up to 70% LVR, supporting projects without presales requirement.
• No Val Loan Short-term private lending product eliminating external property valuation requirement, enabling 2-3 day settlements. Available for metro Sydney, Melbourne, Brisbane residential securities up to $1.8m, 60% LVR, 24-month terms.

Quantifiable outcome

• 140% year-on-year increase in Horizon Mortgages settled volumes (Q4 2025 vs Q4 2024)
• +6 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core.

• Specialist Finance Group (SFG)coreChannel Partner/ Reseller/ Distributor · 20 March 2025Assetline Capital joined SFG's lending panel in March 2025, providing award-winning aggregator's broker network with access to Assetline's full suite of products.
• Outsource FinancialcoreChannel Partner/ Reseller/ DistributorAssetline Capital has partnered with Outsource Financial's panel of lenders, providing brokers with access to Assetline's full suite of non-bank lending solutions including bridging loans, mortgages, and construction finance.
• LMG (Leading Mortgage Group)coreChannel Partner/ Reseller/ DistributorAssetline Capital provides LMG brokers with access to short- and long-term finance options including Horizon Mortgages, bridging loans, and construction finance.
• Loan MarketcoreChannel Partner/ Reseller/ DistributorLoan Market brokers have access to Assetline's non-bank lending products through the partnership, expanding options for borrowers seeking alternative financing.
• YBR (Your Broker's Broker)coreChannel Partner/ Reseller/ DistributorYBR brokers can access Assetline Capital's lending panel for residential and commercial loan products including Horizon Mortgages and bridging loans.
• VOW FinancialcoreChannel Partner/ Reseller/ DistributorVOW Financial brokers have access to Assetline Capital's lending products through the partnership.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Bluestone Mortgages: Australian non-bank lender specialising in near-prime, prime, and self-employed residential mortgages distributed through brokers. Directly comparable in target borrower segments and broker-led channel model.
• Firstmac: Australian non-bank lender specialising in residential mortgages and asset finance, distributed through broker channels. Comparable in non-bank positioning, residential focus, and broker dependence.
• Thinktank Group: Australian non-bank lender focused on commercial property, SMSF, and residential investment lending distributed through brokers. Comparable in SMSF lending expertise and commercial property exposure.
• BC Securities: Australian non-bank lender specialising in short-term bridging and property-backed loans distributed through brokers. Directly comparable to Assetline's bridging and short-term private lending products.
• Pepper Money: Australian and New Zealand non-bank lender (part of KKR-backed Pepper Group) offering specialist residential and commercial mortgages, asset finance, and real estate loans to underserved borrowers. Highly comparable in specialist/self-employed focus.
• Resimac: Australian non-bank lender (wholly owned by Netball NZ / formerly listed) providing prime, near-prime, and specialist residential mortgages plus asset finance, distributed through mortgage brokers. Directly comparable in product breadth and broker distribution.
• La Trobe Financial: Large Australian non-bank lender and credit fund manager offering residential mortgages, commercial property loans, and development finance through broker channels. Directly comparable to Assetline across product suite, broker-led distribution, and balance-sheet lending model.
• Liberty Financial: Major Australian non-bank lender offering residential mortgages, SMSF lending, and asset finance through broker networks. Comparable in target segments (self-employed, SMSF, specialist) and broker-led distribution model.

Emerging players

• Mortgage Ezy: Australian non-bank lender offering residential and SMSF loans through brokers. Smaller and more focused than Assetline but directly comparable in target borrower segments.
• Brighten Home Loans: Australian digital non-bank mortgage lender offering prime and specialist residential loans through brokers and direct channels. Comparable product mix with a more digital-led distribution overlay.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/assetline-capital
• Xx.com/AssetlineInfo

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Assetline Capital