Capital Access

What Capital Access does

Capital Access is an Australian specialist non-bank lender founded in 2011 and headquartered in Melbourne's Docklands precinct, providing property-secured commercial loans to property developers, SMEs with real estate assets, and other commercial borrowers across Victoria, New South Wales, and Queensland. The company operates a small team of seven employees and offers four core products — Residual Stock ($500k-$5M, from 9.99% p.a.), Bridging Capital (from 10.75% p.a., 12-month term), Equity Release ($500k-$3M, from 10.39% p.a.), and Property Acquisition (from 10.19% p.a.) — all secured by registered mortgages over residential, commercial, industrial, or vacant-land properties at LVRs up to 75%.

The business model is balance-sheet lending: Capital Access is fully management-owned and deploys its own capital as the senior lender and as a 'first loss' co-investment tranche alongside wholesale and sophisticated investors, who participate in directly originated loans via registered mortgage security with full directors' recourse. Credit decisions are made in-house with a stated 48-hour turnaround, positioning the firm as an agile alternative to traditional banks. Distribution is primarily referral-driven through a network of borrowers, referrers, and advisers, supported by minimal organic social presence on LinkedIn and Facebook.

Revenue is generated principally through interest income on the loan portfolio at rates between 9.99% and 10.75%+ p.a., supplemented by arrangement economics on individual transactions. The firm reports $0 in capital losses since inception, reflecting a conservative LVR cap (65-75%) and active loan monitoring, though the small headcount, narrow geographic footprint, and dependence on property-backed exposure leave the model sensitive to Australian commercial real estate conditions.

Name

Capital Access

Legal name

Capital Access

Website

https://ca.finance

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

Capital Access is a Melbourne-based, management-owned non-bank lender founded in 2011 that provides property-secured commercial loans of $500k to $5M to property developers and SMEs across Victoria, New South Wales, and Queensland.

Ownership category

akta.pro rank

Product category

Non-Bank Commercial Lending

NAICS

Real Estate Credit (522292)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Private Credit / Direct Lending (FSAAAHAG)

akta.pro secondary industries

Middle-Market Lending (FSANADAI), SME Term Loans & Growth Capital (FSAKAGAB)

Keywords

• Non-bank lending
• Property-secured loans
• Commercial bridging finance
• Residential mortgage lending
• Equity release loans

Headquarters

HQ city

Docklands

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Property-Secured Loans: Capital Access generates revenue through interest income on mortgage-secured loans provided to commercial borrowers. As a specialist non-bank lender, they earn interest rates ranging from 9.99% to 10.75%+ depending on the loan product and risk profile. The company lends its own capital, creating direct interest income from loan portfolios.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Capital Access is an Australian specialist non-bank lender that originates property-secured commercial loans using its own capital. It offers four core loan products — Residual Stock, Bridging Capital, Equity Release, and Property Acquisition — with loan sizes from $500k to $5M, terms up to 24 months, and LVRs up to 75%, secured against residential, commercial, industrial, or vacant land property in metro and greater metro areas of VIC, NSW, and QLD. Credit-endorsed terms are typically issued within 48 hours, with Capital Access co-investing as 'first loss' to align with wholesale investors.

Product overview

Capital Access is a specialist non-bank lender offering property-secured commercial loans. The company operates four distinct loan products: Residual Stock (for development sell down and equity release), Bridging Capital (for urgent settlements and restructures), Equity Release (for working capital), and Property Acquisition (for purchases and refinancing). These products are tailored for SMEs and property developers, with loan amounts ranging from $500k to $5M, terms up to 24 months, and LVRs up to 75%, all secured by residential, commercial, or industrial properties in VIC, NSW, and QLD.

Differentiator

Problem solved

Functional benefit

Products and services

• Residual Stock Loan Property-secured loan for commercial borrowers undertaking development sell-down, refinancing, or equity release strategies. Loan amounts $500k–$5M, interest rates from 9.99% p.a., maximum 24-month term, up to 70% LVR, secured against residential, commercial, or industrial property in metro and greater metro VIC, NSW, and QLD.
• Bridging Capital Loan Short-term property-secured loan for urgent settlements, refinancings, and restructures. Interest rates from 10.75% p.a., maximum 12-month term, up to 75% LVR, secured against residential, commercial, industrial, or vacant land property.
• Equity Release Loan Property-secured working capital loan for commercial purposes. Loan amounts $500k–$3M, interest rates from 10.39% p.a., maximum 18-month term, up to 65% LVR, secured against residential, commercial, or industrial property in metro and greater metro VIC, NSW, and QLD.
• Property Acquisition Loan Property-secured loan for property purchase, restructures, and refinancing. Interest rates from 10.19% p.a., secured against residential, commercial, industrial, or vacant land property in metro and greater metro VIC, NSW, and QLD.
• Direct Lending Co-Investment Opportunities (Wholesale & Sophisticated Investors) Direct lending opportunities for wholesale and sophisticated investors in actively managed, property-secured loans advanced to Australian companies, with direct registered mortgage security, full directors recourse, and Capital Access 'first loss' co-investment for downside protection.

Quantifiable outcome

• Credit endorsed terms provided within 48 hours
• +2 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Firstmac: Firstmac is an Australian non-bank lender and RMBS issuer offering residential mortgages, investment loans, and asset finance. It is comparable to Capital Access as a non-bank alternative in the Australian property-secured lending market, though with a much larger balance sheet and broader distribution.
• Liberty Financial: Liberty Financial is a major Australian non-bank lender providing residential and commercial mortgage products, including bridging, construction, and SMSF lending. It is a broad incumbent peer operating at much greater scale and with similar property-secured product categories as Capital Access.
• Resimac: Resimac is an Australian non-bank lender and securitiser focused on residential and commercial mortgage products, with both prime and specialist portfolios. It is a broad incumbent peer to Capital Access, offering property-secured lending with similar bridging and self-employed/SME segments.
• Pepper Money: Pepper Money is an established Australian non-bank lender offering residential, commercial, and asset finance loans. It is comparable to Capital Access in providing property-secured credit to borrowers underserved by major banks, though at substantially larger scale and product breadth.
• La Trobe Financial: La Trobe Financial is one of Australia's largest non-bank lenders, offering property-secured residential and commercial loans. It is a broad incumbent competitor to Capital Access, operating at significantly greater scale with managed funds, securitisation programs, and a much broader product suite.

Emerging players

• WLTH (formerly WeMoney Lend): WLTH is an Australian digital lending platform offering home loans, investment lending, and commercial property finance. It is an emerging player comparable to Capital Access in providing non-bank property-secured finance, with a fintech-led origination model.
• Brighten Home Loans: Brighten is an Australian online non-bank lender offering residential and investment property loans with a digital origination platform. It is an emerging player comparable to Capital Access in the non-bank property lending space, differentiated by its technology-led, online-first distribution model.
• Mortgage Ezy: Mortgage Ezy is an Australian non-bank lender providing residential and investment property loans with fast approval turnaround. It is an emerging player comparable to Capital Access in serving borrowers needing quick property-secured funding outside the major banks.

Direct peers

• Entourage Finance: Entourage Finance is a Melbourne-based Australian non-bank lender providing commercial property loans, bridging finance, and development funding. It is a direct peer to Capital Access, sharing the same city, similar product set, and a focus on SMEs and property developers in the same VIC/NSW/QLD corridor.
• Maxiron Capital: Maxiron Capital is an Australian non-bank lender specialising in short-term commercial property loans, bridging finance, and development funding. It is a direct peer to Capital Access, with overlapping products (bridging, residual stock, equity release) and similar SME/property developer customer segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/capital-access-private-debt

Revenue estimate

Valuation estimate

Number of profiles

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 Capital Access