Central Real Capital

Name

Central Real Capital

Legal name

Central Real Pty Ltd (ACN 611 778 879)

Website

https://centralrealcapital.com.au

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Private Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Private Credit / Direct Lending (FSAAAHAG)

akta.pro secondary industries

Senior Secured Direct Lending (FSANADAA), Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE)

Keywords

• Private lending
• Bridging finance
• Development loans
• Commercial mortgage lending
• Residential secured loans

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Loan Interest Income: Central Real Capital generates revenue through interest income on secured loans ranging from $500,000 to $40,000,000. Loans are secured against registered 1st and 2nd mortgages on residential, commercial, and development properties. The company acts as a private lender using its own capital, providing short-term financing (3-36 months) with LVR up to 80% for 1st mortgage security.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Central Real Capital is a privately funded boutique lender providing secured loans from $500,000 to $40,000,000 against registered 1st and 2nd mortgages on residential, commercial, and development properties in Australia. Products include bridging finance, development loans, residential loans, and commercial loans, structured with LVRs up to 80% and 3-36 month terms, targeting property developers at pre-construction and business owners seeking faster cash flow solutions than mainstream banks.

Product overview

Central Real Capital is a boutique private lending business offering fast and flexible debt solutions as an alternative to mainstream banks. Their product portfolio includes Private Lending Solutions (their main offering), Bridging Finance for immediate funding needs, Development Loans for property projects, and Residential and Commercial Loans. Products range from $500,000 to $40,000,000, secured against 1st and 2nd mortgages with LVRs up to 80% and terms of 3-36 months. The company takes a collaborative, tailored approach throughout the loan lifecycle.

Differentiator

Problem solved

Functional benefit

Products and services

• Private Lending Solutions Flexible secured debt solutions offering residential, commercial, and development loans from $500,000 to $40,000,000, secured against registered 1st and 2nd mortgages with LVRs up to 80% and terms of 3-36 months, designed for property developers and business owners as an alternative to mainstream banks.
• Bridging Finance Short-term secured financing for clients requiring immediate funding to bridge cash flow gaps or seize time-sensitive property opportunities.
• Development Loans Structured financing solutions delivered in tandem with property and construction experts to facilitate attainment of clients' objectives in property development projects.
• Residential Loans Loans secured against residential property providing SMEs and property developers access to tailored funding with flexible lending criteria.
• Commercial Loans Secured debt solutions tailored to the Australian commercial property market, providing SME clients with flexible lending solutions.

Quantifiable outcome

• Loans funded from $500,000 to $50,000,000 across multiple Australian states

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• EquifaxcoreOthersEquifax is the credit reporting body used by Central Real Capital for credit information exchange when assessing loan applications. The company discloses credit-related information to Equifax to assess creditworthiness and may share credit information with other credit providers to assess applications and notify of defaults.
• Commercial Broker NetworkcoreChannel Partner/ Reseller/ DistributorCentral Real Capital maintains strong relationships with a commercial broker network that refers borrowers seeking private lending solutions. The company describes the network as top-tier and ensures delivery on time commitments made through this channel. Brokers are key partners in driving deal flow.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• La Trobe Financial: One of Australia's largest non-bank private lenders and credit asset managers, offering residential, commercial, and development loans through wholesale and retail channels. Highly comparable to Central Real Capital in product mix, customer base (developers and SME borrowers), and use of broker distribution.
• Firstmac: Australian non-bank lender providing residential mortgages, investment loans, and asset finance. Comparable to Central Real Capital as a privately funded alternative to mainstream banks serving borrowers who fall outside traditional bank criteria.
• Liberty Financial: Australian non-bank lender offering residential mortgages, commercial loans, and asset finance, distributing heavily through broker networks. Directly comparable to Central Real Capital in product breadth and broker-led origination.
• Resimac: Australian non-bank lender and securitization specialist providing prime and non-conforming residential and commercial loans. Comparable in non-bank lending model, broker channel distribution, and focus on borrowers underserved by major banks.
• Bluestone Mortgages: Australian specialist non-bank lender focused on residential mortgages for self-employed and non-conforming borrowers. Comparable in providing tailored secured lending where mainstream banks decline, though Bluestone is more residential-focused.
• Pepper Money: Specialist non-bank lender in Australia and globally offering residential, commercial, and asset finance to under-served borrowers. Highly comparable in target market (non-bank borrowers, SMEs, property investors) and secured lending model.

Emerging players

• Mortgage Ezy: Smaller Australian non-bank lender offering alternative residential and investment loans. Comparable as a niche, privately funded alternative lender serving borrowers outside mainstream bank criteria, though smaller in scale and product breadth.
• Brighten Loans: Australian online non-bank lender providing residential property-secured loans. Comparable as a privately funded alternative lender using own capital to serve borrowers seeking faster, more flexible secured financing.

Broad incumbents

• Westpac: Major Australian bank offering property development, commercial, and residential lending. Comparable as the incumbent mainstream lender whose slower processes and tighter criteria Central Real Capital positions itself against.
• ANZ (Australia and New Zealand Banking Group): One of Australia's four major banks, providing residential, commercial, and development finance at scale. Relevant as the broader incumbent whose tightening credit cycle creates the opportunity Central Real Capital serves.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/central-real-capital

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 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 Central Real Capital